As a B2B payment aggregator, Padmawati Enterprises manages complex financial routing. This policy dictates how refunds and chargebacks are handled at the infrastructure level.
Padmawati Enterprises processes payments on behalf of Client enterprises. Any request for a refund by an end-user must be initiated directly with the merchant/Client. We provide the API endpoints for the Client to trigger a refund programmatically from their settlement pool.
Once a refund is triggered by a Client via the Padmawati gateway, it takes approximately 5-7 business days for the funds to reflect in the end-user's original payment method, subject to the acquiring bank's processing cycles.
In the event of a chargeback initiated by an end-user's bank, Padmawati Enterprises will automatically hold the disputed amount from the Client's escrow or next settlement cycle until the dispute is resolved. Clients are responsible for providing sufficient evidence to contest chargebacks.
Any initial setup, compliance auditing, or custom API integration fees paid to Padmawati Enterprises are strictly non-refundable once the technical onboarding process has commenced.
