Refund Policy

Last updated: 31 March 2026

1. Overview

This Refund Policy applies to the monthly subscription fee charged by UPAYI.CO (operated by ESS ENN Associates) for access to our UPI payment collection Service.

Important distinction: UPAYI.CO does not hold, process, or route any payments between Payment Collectors and their clients. We charge only a fixed monthly subscription fee. This refund policy pertains exclusively to that subscription fee — not to any UPI payments collected by users through the Service.

2. Subscription Refunds

Our refund policy for the monthly subscription fee is as follows:

• Within 7 days of first subscription: If you are a new subscriber and are unsatisfied with the Service, you may request a full refund within 7 days of your first payment. No questions asked.
• After 7 days: Subscription fees are non-refundable for the current billing cycle. You may cancel your subscription at any time to prevent future charges.
• Service downtime: If the Service experiences extended downtime (more than 72 consecutive hours) due to issues on our end, we will provide a pro-rata credit for the affected period.

3. Cancellation

You may cancel your subscription at any time. Upon cancellation:

• Your access to the Service will continue until the end of the current billing cycle
• No further charges will be made
• Your payment widget and link will be deactivated at the end of the cycle
• No refund will be issued for the remaining days in the current cycle

4. Payment Disputes Between Users and Their Clients

UPAYI.CO is not involved in any UPI payment transactions between Payment Collectors and their clients. Any refund requests, payment disputes, or chargebacks related to UPI payments are solely between the Payment Collector and their client/customer. UPAYI.CO bears no responsibility for such disputes.

Payment Collectors are solely responsible for their own refund policies and for resolving disputes with their clients.

5. How to Request a Refund

To request a refund for your subscription fee, contact us:

• Email: support@upayi.co
• Include your registered email address and reason for the refund request

Refund requests will be processed within 5–7 business days. Approved refunds will be credited to the original payment method.

6. Changes to This Policy

We may update this Refund Policy from time to time. Changes will be posted on this page with an updated date.

7. Contact

ESS ENN Associates
Email: support@upayi.co
Website: essenn.associates