Refund & Cancellation Policy

By using Eko's products/services, you accept these terms without limitation. Eko reserves the right to modify these terms at any time.

Eko is a payment intermediary and does not take ownership of products/services offered by merchants or vendors. Refunds and cancellations are governed by the respective merchant/vendor terms.

If you send payment to a wrong party or wrong amount, Eko has no liability. You must contact the recipient directly. Eko will not refund or reverse erroneous payments.

All prepaid recharge sales are final — no refunds or exchanges. You are responsible for providing the correct mobile/account number.

Eko is not a party to contracts between users and merchants. All disputes must be resolved directly with the merchant.

Eko processes source-only refunds — money is returned to the original payment method (credit card, UPI VPA, etc.). A UTR (Unique Transfer Reference) is provided as proof of refund.

Once a payment order is executed by Eko, it becomes irrevocable. Users are solely responsible for accuracy of beneficiary details.