IndiSell is a checkout technology layer, not a payment gateway, aggregator or wallet, and we never hold shopper funds. When a shopper pays for an order, the money flows through and settles with your own payment gateway (e.g. Razorpay, PayU, Cashfree, PhonePe). Any refund of a shopper's order is therefore governed by:

• the merchant's own store refund/return policy (you decide when an order is refunded), and
• the gateway's terms and timelines for returning the money to the shopper.

The dashboard's one-click refund simply instructs your gateway to refund; the actual reversal, and how long it takes to reach the shopper's bank/UPI, is controlled by the gateway. Shoppers with an order or refund question should contact the store they bought from.

• Fees for the Service are billed as agreed in your dashboard (pay-per-order, or a plan plus commission), plus applicable taxes such as GST.
• Usage-based fees reflect service already delivered and are generally non-refundable once the corresponding orders/period have been processed.
• Where a fixed plan is paid in advance, cancellation stops future renewals; the current paid period generally runs to its end and is non-refundable except as set out below.

You can cancel at any time by disabling the widget and/or writing to us — your platform's native checkout resumes instantly. Cancellation stops future billing cycles from your next renewal date. Fees already accrued up to cancellation remain payable. On request we will export and then delete your store's data as described in the Privacy Policy.

We will refund fees you paid us in these cases:

• Duplicate or incorrect charge — if you were billed twice or charged in error, we refund the excess.
• Verified billing error on our side — if a statement is wrong in your favour after review, we correct and refund the difference.
• Service not delivered — if you paid for a fixed period and, due to a fault on our side, the Service was materially unavailable for a sustained part of it, we will provide a pro-rata credit or refund for the affected period.

Refunds are made to the original payment method where possible, or as an account credit. We do not refund fees for orders already processed, for third-party charges (your gateway's or messaging provider's fees), or where the issue arises from your misconfiguration, your breach of the Terms, or matters outside our control.

Email hello@indisell.io from your registered email with your store name, the invoice/transaction reference and a short description. We aim to acknowledge within a few business days and, where a refund is due, process it promptly; the time for the amount to reach you depends on your bank/gateway.

If you dispute a fee, please contact us first — most issues are resolved faster directly than through a chargeback. Raising a chargeback on validly-billed fees may lead to suspension pending resolution.