Chargeback & Refund Policy

1. Refund and Cancellation Overview

At QuickZaps, our focus is complete customer satisfaction. In the event you are displeased with the services provided, we will refund back the money, provided the reasons are genuine and proved after investigation. Please read the fine prints of each service before availing it, as it provides all the details about the services or the product you purchase. In case of dissatisfaction from our services, clients have the liberty to cancel their projects and request a refund from us.

2. Cancellation Policy

For cancellations, please contact us at support@quickzaps.co. Requests received later than 3 business days prior to the end of the current service period will be treated as cancellation of services for the next service period.

3. Refund Policy

We will try our best to provide the best service to our users. In case any client is not completely satisfied with our service, we can provide a refund. If paid by credit card, refunds will be issued to the original credit card provided at the time of purchase. In case of payment gateway payments, the refund will be made to the same account from which the payment was originally made.

4. Chargeback Lifecycle

The chargeback lifecycle represents the structured progression of a disputed transaction, from the time a cardholder raises a concern to the final resolution, involving various stakeholders such as the issuing bank, acquiring bank, merchant, payment gateway, and card network. At QuickZaps, this lifecycle is facilitated and managed through our technology platforms in strict adherence to applicable regulatory standards, card network guidelines (Visa, Mastercard, RuPay), sponsor/acquiring bank requirements, and QuickZaps' internal risk management controls.

4.1 Step 1: Cardholder Dispute Initiation

The process begins when a cardholder identifies an issue with a transaction and approaches their issuing bank to raise a formal dispute. Common reasons include:

• Unauthorized or fraudulent transaction
• Non-receipt of goods or services
• Damaged or defective goods
• Duplicate transaction or billing error
• Misrepresentation of product or service

The issuing bank registers the complaint and may, at its discretion, provide a provisional credit to the cardholder during the investigation period.

4.2 Step 2: Issuing Bank Investigation

The issuing bank evaluates the dispute based on the cardholder's explanation and supporting documentation. If the dispute is found to be valid under applicable card network rules, the issuing bank initiates a chargeback and transmits the same through the respective card network's dispute resolution system to the acquiring bank.

Upon initiation of the chargeback, the disputed amount may be provisionally debited by the acquiring bank and reflected downstream through settlement or payout mechanisms made available to QuickZaps and the concerned merchant.

4.3 Step 3: Acquirer and Merchant Notification

Upon receipt of a chargeback notification from the acquiring bank, sponsor bank, or payment processor, QuickZaps shall notify the concerned merchant or service provider through registered email communication and/or dashboard notification. Such notice shall include:

• Transaction reference ID and amount
• Applicable card network reason code
• Supporting documentation received (if any)
• Prescribed response deadline (typically 3–5 business days)

4.4 Step 4: Merchant Response

The merchant has the opportunity to accept or contest the chargeback:

If Accepted: The merchant may acknowledge the claim (e.g., in case of non-delivery, confirmed fraud, or unfulfilled services). The corresponding amount shall be permanently debited from the merchant's settlement account and, where applicable, adjusted from the merchant's subsequent payout cycle.

If Contested (Representment): The merchant may submit documentary evidence proving the transaction was legitimate. QuickZaps forwards this evidence to the acquiring bank, which passes it to the issuing bank for reassessment.

4.5 Step 5: Decision and Resolution

The issuing bank reviews the merchant's evidence and makes a decision within 60–75 days:

• If the evidence is sufficient, the chargeback is reversed, and the funds are restored to the merchant.
• If the evidence is insufficient or missing, the chargeback stands and the merchant bears the loss.

QuickZaps updates the merchant via notification or dashboard alert on the final outcome.

4.6 Step 6: Pre-Arbitration or Arbitration (Escalation)

If the issuing bank rejects the merchant's representment, and the merchant disagrees with the outcome, the acquiring bank is not obligated to raise pre-arbitration or arbitration on behalf of the merchant or payment gateway. However, if the merchant holds valid proof of service delivery, they must pursue legal action directly against the customer. This may include filing an FIR with the local police for fraud or misrepresentation and seeking recovery through appropriate civil or criminal proceedings.

Note: QuickZaps shall not be responsible for legal representation but may provide documentation support upon request.

Pre-Arbitration: The issuing bank shall review the documents submitted during representment and share the case status with the cardholder. If the cardholder is not satisfied, he/she may request the issuing bank to initiate a pre-arbitration process for further clarification.

Arbitration: The card network makes a final, binding decision and may levy fees (arbitration costs are usually passed to the losing party).

4.7 Step 7: Post-Resolution Closure

Once the case is resolved, QuickZaps updates its internal records and, where required:

• Releases or adjusts any security deposit or settlement hold (if applicable)
• Revises the merchant's CTS/FTS ratios
• Notifies the merchant of any penalties or policy violations

Persistent violations may result in enhanced monitoring, onboarding restrictions, or account termination.

5. Important Notes

• A refund cannot be issued while a chargeback is active. The cardholder must withdraw the dispute before any voluntary refund is processed.
• Chargeback amount is limited to the original transaction value; interest, penalty, or external damages cannot be claimed by cardholders.
• Security deposits held for high CTS/FTS merchants will remain on hold for 180 days or until all chargeback and fraud cases are closed by the Risk Department.

Contact Us

For any chargeback or refund inquiries, contact us at:
Email: support@quickzaps.co
Phone: +91 979-995-1484
Address: 929 Bhutani Alphathum, Sector 90, Noida, Uttar Pradesh