At VittaGate (operated by FINOGENIX PAY TECHNOLOGIES PRIVATE LIMITED), we strive to provide a seamless and transparent payment experience. This policy outlines the procedures and conditions under which refunds are processed for transactions made through our platform.

1. General Refund Principles

  • Merchant Responsibility: Since VittaGate acts as a payment aggregator, the primary responsibility for providing a refund lies with the Merchant from whom you purchased the goods or services.
  • Fair Policy: We require all our Merchants to maintain a fair return and cancellation policy that is clearly disclosed to Customers at the time of purchase.
  • No Cash Refunds: In accordance with regulatory guidelines, refunds will only be credited back to the original payment instrument used during the transaction and not provided in cash.

2. How to Request a Refund

If you have encountered an issue with a transaction (such as double-deduction, failed service delivery, or cancellation), please follow these steps:

Step 1: Contact the Merchant Contact the Merchant directly to initiate a refund request as per their specific cancellation policy.

Step 2: Email VittaGate Support If the Merchant is unresponsive or if there is a technical error, you may apply for a refund by sending an email to our support team:

  • Email Address: Payfinogenix@gmail.com
  • Subject Line: Refund Request – [Your Transaction ID]
  • Required Information: Please include your full name, contact number (7881103466 for inquiries), transaction date, amount, and a screenshot of the payment confirmation.

3. Processing Timeline

  • Acknowledgement: Once we receive your email, a unique ticket reference number will be generated and sent to you.
  • Verification: VittaGate will coordinate with the Acquiring Bank and the Merchant to verify the claim.
  • Refund Completion: Valid refund requests are typically processed within 5 to 10 business days. However, the actual time taken for the funds to reflect in your account depends on your issuing bank’s internal policies.

4. Exceptions and Disputes

  • Chargebacks: If a refund is not processed despite a valid claim, Customers may initiate a Chargeback through their issuing bank.
  • Fraudulent Transactions: In cases of unauthorized electronic fund transfers, VittaGate will cooperate with Law Enforcement Agencies and follow appropriate legal procedures to resolve the matter.

5. Contact Information

For any further assistance regarding refunds, please reach out to us:

FINOGENIX PAY TECHNOLOGIES PRIVATE LIMITED (VittaGate)

  • Address: A-25, Sector-3, Gautam Buddha Nagar, Noida, Uttar Pradesh, India, 201301
  • Phone: 7881103466
  • Email: Payfinogenix@gmail.com