Refund Policy

Last Updated: February 17, 2026

This Refund Policy outlines the terms and conditions under which BloomXpe Services Pvt Ltd ("BloomXpe") processes refunds for its payment orchestration services. This policy applies to all merchants and businesses using the BloomXpe platform.

1. Platform Service Fees

1.1 Subscription Fees

Monthly or annual subscription fees are non-refundable once the billing cycle has commenced. If you cancel your subscription, you will continue to have access to the paid features until the end of the current billing period.

1.2 Setup Fees

One-time setup or integration fees are non-refundable once the onboarding process has been initiated, as these cover the cost of technical configuration and account provisioning.

1.3 Transaction Processing Fees

Per-transaction processing fees are non-refundable for successfully processed transactions. However, if a transaction fails due to a platform error attributable to BloomXpe, the processing fee for that transaction will be credited back to your account.

2. Merchant-Initiated Refunds

When you initiate a refund to your end customer through the BloomXpe platform:

  • Full and partial refunds can be initiated via the merchant dashboard or API
  • Refund requests are routed to the original payment gateway for processing
  • Standard refund processing time is 5-10 business days, depending on the payment gateway and the customer's bank
  • BloomXpe's transaction processing fee on the original transaction is non-refundable
  • Gateway-specific refund charges, if any, will be borne by the merchant

3. Failed Transactions

In cases where a customer's payment is debited but the transaction is marked as failed:

  • BloomXpe will automatically initiate a reversal through the respective payment gateway
  • Reversals typically complete within 5-7 business days
  • No processing fee is charged for failed transactions
  • Merchants can track reversal status through the dashboard

4. Duplicate Transactions

If a duplicate charge occurs due to a technical issue:

  • The merchant or customer should report the duplicate within 48 hours
  • BloomXpe will verify the duplicate and initiate an automatic refund
  • Processing fees on duplicate transactions will be reversed

5. Chargebacks

In the event of a chargeback initiated by a customer's bank:

  • BloomXpe will notify the merchant promptly and provide relevant transaction details
  • The merchant is responsible for responding to chargeback disputes within the stipulated timeframe
  • Chargeback fees levied by the payment gateway will be passed through to the merchant
  • BloomXpe will assist in providing transaction evidence for dispute resolution

6. Service Cancellation

If you wish to cancel your BloomXpe account:

  • Submit a cancellation request via email to bloomxpe@gmail.com or through the dashboard
  • All pending settlements will be processed and transferred to your registered bank account
  • A holdback period of up to 90 days may apply for risk and chargeback coverage
  • After the holdback period, any remaining balance will be settled in full

7. Exceptions

Refunds will not be provided in the following circumstances:

  • Account suspension or termination due to violation of our Terms of Service
  • Fraudulent or suspicious transactions flagged by our risk management system
  • Services already rendered or consumed
  • Fees for custom development or integration work completed as agreed

8. How to Request a Refund

To request a refund or dispute a charge:

  • Email us at bloomxpe@gmail.com with your merchant ID and transaction details
  • Use the refund function in your merchant dashboard for customer refunds
  • Reach us on WhatsApp or Telegram during business hours (Mon-Sat, 10 AM - 7 PM IST)

We aim to acknowledge all refund requests within 24 hours and resolve them within 5-10 business days.

9. Contact

For questions about this Refund Policy, please contact us:

BloomXpe Services Pvt Ltd
INDIA
Email: bloomxpe@gmail.com
WhatsApp: Chat on WhatsApp · Telegram: @bloomxpe