At *Pay Online* we strive to process transactions smoothly. Please read the following policy carefully to understand how we handle refunds and reversal requests.

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*1. General Principle*

All transactions are processed in real‑time. Once a payment is successful, the amount is immediately credited to the service provider. We can only intervene where the service provider allows a reversal.

*2. Services That Do Not Support Reversals*

* Mobile recharges (pre‑paid & post‑paid)

* Bill payments (electricity, water, gas, etc.)

* DMT (Direct Money Transfer) transactions

For these categories we *cannot register reversal complaints* or issue refunds, as the funds are transferred instantly to the biller. We only register the complaints only in the case that customer didnt received the benefit of the transaction.

*3. DTH Recharge Reversals / Transfers*

Reversal or transfer of DTH recharges is possible *only if the DTH operator permits it*. The request will be forwarded to the operator, and the final decision rests with them. We will notify you of the outcome as soon as we receive a response.

*4. How to Request a Reversal*

* Contact us at [8885209555] with the transaction ID, amount, and a brief reason.

* For DTH reversals, attach a copy of the recharge receipt.

* We will acknowledge receipt within 24 hours and update you on the status.

*5. Timeline*

* Mobile, bill, and DMT transactions: no reversal – no refund.

* DTH reversals: 3–7 business days after the operator’s confirmation.

*6. Contact Us*

If you have any doubts or need assistance, please reach out to our support team:

*[Support@payonline.biz]* | *[8885209555]* 

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_This policy is effective from *[11-11-2023]* and may be updated from time to time. We will post any changes on our website._