Refund Policy

By accessing and using PayGyft, YOU accept and agree to the terms, conditions and rules without limitation and or qualification.

PayGyft does not at any point of time during any transaction between the USER and merchant/ vendor and or service provider take the ownership of any of the products/services provided by the merchant. Nor does PayGyft at any point asserts any rights or claims over the products/services offered by the merchant to the USER. The cancellation/refund, if any, will be governed as per the terms and conditions of the merchant/vendor. PayGyft has no role in governing refund/cancellation charges. PayGyft, will not be responsible for refund/cancellation including any charges arising therefrom.

In the event, YOU erroneously send a payment to the wrong party or have sent a payment for a wrong amount, PayGyft shall have no liability in this regard and your only recourse will be to contact such third party to whom such payment was sent and seek a refund (if any). PayGyft will not refund or reverse a payment erroneously made by YOU.

All sales on the PayGyft platform are final with no refund or exchange permitted.

PayGyft disclaims any accountability, legal, losses/damages or else, that might arise because of the act, omission or otherwise of any USER on its website/mobile application or caused by the same. USER/YOU expressly admit that PayGyft is only a payment facilitator & intermediary, and as such, stands indemnified from any accountability that might arise because of the same. YOU (USER) moreover acknowledge that visiting/using PayGyft website/mobile application is an implicit reception/confirmation of this disclaimer on your part.

YOU are requested to go through the merchant/vendor provided terms and conditions on their website and or platform. PayGyft is not responsible for your inability to access such terms and conditions or for any loss resulting from such terms and conditions or lack thereof. YOU agree and acknowledge that the actual contract for sale is directly between YOU and the merchant/vendor. PayGyft does not control or prevent changes in the published details and descriptions of websites/apps operated by the merchant/vendor and is not responsible for any content therein. PayGyft has no control over the existence, quality, safety or legality of items displayed; the accuracy of the merchant’s content or listings; the ability of the merchant/vendor to sell items or provide services. PayGyft does not at any point of time during any transaction between YOU and merchant/vendor, take ownership of any of the listing, bookings or services offered by the merchant/vendor. Nor does PayGyft at any point asserts any rights or claims over the same offered by the merchant/vendor to YOU. The merchant/vendor is solely responsible for the content/listings/bookings made available by it through the PayGyft platform and YOU should contact the respective merchant/vendor directly. For more information, we request YOU to contact the vendor/merchant/ service provider in order to get further clarifications and confirmation or the same can be confirmed on their websites as well.

PayGyft is not a warrantor of the content/listings/bookings/services being offered on PayGyft by various merchant/vendors. YOU understand that any issues or disputes regarding the warranty, guarantee, quality, and service will be addressed as per the terms and conditions of the merchant/vendors, and YOU agree to handle such issues and disputes directly between YOU and the merchant/vendor.

PayGyft is not responsible for any warranty, guarantee, post sale claims, genuineness of listings/bookings, content, products and services. PayGyft will not be liable for any claims including but not limited to any misrepresentation by the merchant/vendor in its content/listings/bookings.

Notwithstanding anything contrary contained herein, the service, the interface and API work, and their respective information, pricing and data, and availability are subject at any time and from time to time to human, mechanical , typographic, or other errors, oversights, mistakes, limitations, delays, service interruptions, including, without limitation, as may be due in whole or in part to, related to or arising out of (i) computer hardware and software, telecommunications and operating systems, databases, or business processes and procedures, other problems inherent in, or which may be associated with, the use of the internet and electronic communications including, without limitation, force majeure event , government / regulatory actions, orders, notifications etc. And / or and acts and omissions of third parties etc.

Any amount transferred erroneously or for any reason by the USER shall not be refunded to the USER in any circumstances.

The USER understands and agrees that PayGyft is not a party to the contract between the USER and the merchant establishment. PayGyft does not endorse any advertiser or merchant linked to its website. Furthermore, PayGyft is under no obligation to monitor the merchant establishment's service/products used by the USER. The merchant establishment alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any merchant establishment must be directly resolved by the USER with the merchant establishment. It is clarified that PayGyft shall not be responsible or liable for any deficiency in goods and/or services purchased using PayGyft wallet.

Any payment made erroneously by the USER to any merchant establishment or any erroneous transfer to any person shall not be refunded to the USER by PayGyft in any circumstances.

Any web-link on the platform to a third party site is not an endorsement of that web-link. By using or browsing any such other web-link, the USER shall be subject to the terms and conditions in relation to that web-link.

In the event of any dispute (defined below), PayGyft records shall be binding as conclusive evidence of the transactions carried out through the use of the wallet.

PayGyft will not be responsible for recovering the money in case the account holder initiates fund transfer to an unintended or incorrect account.

These following terms and conditions shall be applicable to the provision of any fund transfer and fund collection facility provided / facilitated by PayGyft. The USER shall provide correct beneficiary details to PayGyft at the time of availing the said facility. The USER shall be solely responsible for entering wrong beneficiary details like incorrect virtual payment address or incorrect mobile number or account no or ifsc code, due to which the funds are transferred to an incorrect beneficiary. The USER agrees that the payment order shall become irrevocable when it is executed by PayGyft.

The USER is responsible for the accuracy and authenticity of the instructions provided to PayGyft and the same, if is in the form and manner prescribed by PayGyft, shall be considered to be sufficient to operate the said facility. PayGyft shall not be required to independently verify the instructions. PayGyft has no liability if it does not or is unable to stop or prevent the implementation of any payment order issued by the USER. Once a payment order is issued by the USER the same cannot be subsequently revoked by the USER.

All instructions, requests, directives, orders, directions, entered by the USER, are based upon the USER’s decisions and are the sole responsibility of the USER.

Refunds (if any) will be credited to your PayGyft wallet account.

PayGyft wishes to draw the attention of our customers and partners to the prevalence of fraudulent activity being perpetuated by fraudsters who aim to deceive and defraud our customers/partners by unauthorized use of PayGyft’s name and trademarks on their websites and emails in an attempt to solicit fees from interested partners for enrolling them and illegitimately making wrongful gains.

This type of fraud may be via email, letters, text messages, facsimile or by using a website purporting to be that of Virob Ecommerce (India) Private Limited.

Our customers/partners and prospective partners are strongly advised to seek information/clarifications by contacting our business office directly and/or online through email at

Members of the public are hereby advised not to send/receive money to/from such scammers, as PayGyft will have NO LIABILITY whatsoever for any and all losses/damages suffered by anyone who falls victim to such scams/letters from fraudsters. PayGyft hereby disclaims all such transactions/correspondence and warns its customers/partners and the general public to disregard such fraudsters and to exercise extreme caution at all times.