Refund Policy

At Station Ridges, we prioritize providing secure, dependable, and straightforward payment processing solutions. This Refund Policy explains the situations where refunds may be issued, the steps required to request a refund, and the roles and responsibilities of both merchants and end-users. Please review this policy carefully to understand your rights and obligations concerning refunds processed through our platform.

Scope of the Policy

This policy applies to everyone using Station Ridges, including individual customers, registered merchants, and business associates who utilize our payment services. It covers transactions processed via our platform, including credit and debit card payments, net banking, UPI, wallet transactions, and other integrated payment options. Please note that this policy does not govern the refund rules set by individual merchants for their products or services processed through our Station Ridges.

Eligibility for Refunds

Refunds are typically applicable under these circumstances:

• Duplicate or accidental payments caused by technical glitches or processing mistakes.
• Failed transactions due to system errors or banking problems.
• Overpayments resulting from errors within the Station Ridges or merchant systems.
• Unauthorized payments reported and confirmed under our fraud detection procedures.
• Payments made by mistake due to incorrect merchant details or system faults.
• Transaction cancellations made within the merchant’s permitted refund period according to their return or cancellation policies.

For merchant-related cases, Station Ridges will process refunds only after receiving confirmation from the merchant about the refund eligibility and a formal refund request to initiate the process.

Non-Refundable Transactions

The following transactions are not eligible for refunds:

• Service or setup fees charged by Station Ridges.
• Fees for completed services such as KYC verification, onboarding, or compliance-related checks.
• Payments explicitly labeled as non-refundable at the time of purchase.
• Transactions involving fraudulent behavior or violation of policies.
• Disputes not reported within the deadlines set by regulatory bodies or payment networks.
• Cases where the claimant fails to provide necessary documentation supporting their refund request.

Platform Fees and Deductions

Certain fees levied by Station Ridges, including charges, convenience fees, integration or setup costs, and value-added services, are non-refundable unless a transaction fails due to a platform error. In merchant disputes, refund amounts may be adjusted to account for processing costs already incurred.

Refund Process

To request a refund, users should follow these steps:

• Contact us by emailing support@stationridges.com or submitting a ticket through the user dashboard.
• Provide details such as the transaction ID, payment date, payment method, amount, and a clear explanation for the refund request.
• Include any supporting documents, like screenshots, email confirmations, or communication with the merchant.
• Our support team may reach out for additional verification or information to complete the refund procedure.

Timeframe for Processing Refunds

Once a refund request is approved, processing will begin within 5 to 7 business days. However, the time for the refund to appear in your account depends on your bank, payment method, or card issuer and is outside our control. You will receive an email or SMS notification once the refund is initiated. Please note, delays may occur based on banking processes or merchant refund policies.

Transaction Reversal and Chargebacks

If a customer disputes a transaction with their bank or card provider, a chargeback process may commence. Station Ridges will collaborate with the merchant to resolve the dispute and may require supporting documentation. If the chargeback is upheld, the refund will be issued to the customer, and the merchant may be responsible for any related fees or deductions.

Taxes and Additional Fees

Applicable taxes (such as GST) included in the original payment will be refunded only if allowed by tax laws. Administrative, processing, or third-party fees may be deducted from the refunded amount where relevant and will be transparently communicated in the refund confirmation.

Merchant Responsibility

When transactions involve merchants, they hold primary responsibility for approving or rejecting refund requests. Station Ridges functions as a payment facilitator and will only execute refunds upon the merchant’s instruction unless the refund is due to technical errors or fraudulent activity. Merchants are expected to maintain clear refund policies and cooperate with us during refund investigations. Failure to comply may lead to withheld settlements or suspension of merchant accounts.

Policy Changes

We reserve the right to update or revise this Refund Policy at any time to comply with new regulations, improve services, or align with industry standards. Changes will be posted here with an updated “Last Updated” date. Continued use of our platform following changes indicates your acceptance of the revised policy.

Contact Information

For any questions, concerns, or assistance related to refunds, please contact us at support@stationridges.com.