Return and Refund Policy

Welcome to Finigenie, a service provided by Ragilly Technologies Pvt Ltd. Our Return and Refund Policy is designed to ensure a transparent and satisfactory experience for our users. Please read the following terms carefully.

1. Vendor Payment System & Salary Payment System

  • No Refunds for Completed Transactions: If a transaction cycle is complete and the amount is settled in the receiver’s account, there will be no possibility of a refund.
  • Window for Return or Refund Requests: You can request a return or refund only if it is applied for within 2 hours of the transaction. Such requests are subject to verification and approval by our team.

2. BillPay System

  • Refund on Failed Payments: In cases where a payment via the BillPay system fails, a refund will be processed. The refund will be adjusted within 4 to 48 hours of the failed transaction.
  • Confirmation of Refund: We will notify you once the refund has been processed. The time frame for the refund to reflect in your account depends on your card issuer’s policies.

3. Third-Party Products and Services

  • Scope of Third-Party Products: Products and services such as corporate cards, credit cards, loans, payment gateways, KYC APIs, and POS machines are provided by third parties.
  • Handling of Returns and Refunds: Any requests for returns or refunds related to these third-party products and services will be directed to and handled by the respective suppliers. Finigenie is not responsible for the return and refund policies of these third parties.
  • Assistance with Third-Party Issues: While we are not responsible for the management of third-party return and refund processes, we are committed to assisting our customers in facilitating communication with the relevant suppliers.

General Provisions

  • Contact for Refund Requests: To request a refund, please contact our customer support team with your transaction details and the reason for the request.
  • Investigation of Refund Requests: We reserve the right to investigate all refund requests before making a decision. This may involve verifying the transaction details with the receiving party.
  • Changes to Policy: Finigenie by Ragilly Technologies Pvt Ltd reserves the right to modify this Return and Refund Policy at any time. Any changes will be effective immediately upon posting on our website.

Contact Us

For any queries or concerns regarding our Return and Refund Policy, please contact us through our website at

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