Refund Policy

At Urbanlure Furnish, we are committed to providing secure, efficient, and dependable payment processing services. This Refund Policy outlines the conditions under which refunds may be approved, the process for requesting a refund, and the respective responsibilities of merchants and end users. We encourage you to review this policy carefully to understand how refunds are handled through our platform.

Scope of This Policy

This Refund Policy applies to all users of Urbanlure Furnish, including individual customers, registered merchants, and business partners utilizing our payment services. It covers transactions processed through our platform using various payment methods such as credit cards, debit cards, net banking, UPI, wallets, and other supported options.

Please note that this policy does not govern the individual refund or return policies of merchants who use our solution to collect payments for their own products or services.

Eligibility for Refunds

Refunds may be considered under the following circumstances:

  • Duplicate or incorrect payments caused by technical or processing errors.
  • Failed transactions due to system, network, or banking issues.
  • Overcharged amounts resulting from merchant system errors.
  • Unauthorized transactions reported and validated under our fraud investigation procedures.
  • Payments made incorrectly due to system malfunction or inaccurate merchant details.
  • Transaction cancellations requested within the merchant’s approved refund or cancellation window.

For merchant-related transactions, Urbanlure Furnish will initiate a refund only after receiving confirmation and authorization from the respective merchant.

Non-Refundable Transactions

The following transactions are generally not eligible for refunds:

  • Service, setup, or onboarding fees paid to Urbanlure Furnish.
  • Charges for completed services such as KYC verification, compliance checks, or integrations.
  • Transactions clearly identified as non-refundable at the time of payment.
  • Transactions resulting from fraudulent activity or violation of platform policies.
  • Disputes raised beyond the time limits prescribed by regulatory bodies or payment networks.
  • Requests lacking sufficient documentation to support the refund claim.
Platform Fees and Deductions

Certain fees charged by Urbanlure Furnish—including charges, convenience fees, integration costs, and value-added service fees—are non-refundable unless a transaction fails due to a platform-related error. In merchant disputes, refund amounts may be adjusted to account for processing or operational costs already incurred.

Refund Request Process

To request a refund, users must follow the steps below:

  • Contact us via email at support@urbanlurefurnish.com or submit a request through the user dashboard.
  • Provide complete transaction details, including transaction ID, payment date, payment method, and amount.
  • Clearly state the reason for the refund request.
  • Attach relevant supporting documents such as payment confirmations, screenshots, or merchant correspondence.

Our support team may request additional information to verify and process the refund request.

Refund Processing Timeframe

Once a refund request is reviewed and approved, the refund will typically be initiated within 5 to 7 business days. The time taken for the refunded amount to reflect in your account depends on your bank, card issuer, or payment method and is outside our control.

You will receive an email or SMS notification once the refund has been successfully initiated. Please note that delays may occur due to banking processes, third-party payment providers, or merchant-specific timelines.

Transaction Reversals and Chargebacks

If a customer raises a dispute through their bank or card issuer, a chargeback process may be initiated. Urbanlure Furnish will coordinate with the merchant to address the dispute and may request supporting documentation.

If the chargeback is upheld, the disputed amount will be refunded to the customer, and the merchant may be responsible for chargeback fees, penalties, or deductions as per applicable rules.

Taxes and Additional Charges

Any applicable taxes, including GST, will be refunded only if permitted under prevailing tax laws. Administrative fees, processing charges, or third-party costs may be deducted from the refund amount where applicable. All such deductions will be transparently disclosed in the refund confirmation.

Merchant Responsibilities

For merchant-related transactions, the decision to approve or reject a refund primarily rests with the merchant. Urbanlure Furnish acts as a payment facilitator and will process refunds only upon receiving a valid refund request from the merchant, except in cases involving technical failure or confirmed fraud.

Merchants are required to maintain clear refund policies and cooperate during refund or dispute resolution. Failure to comply may result in delayed settlements, withheld funds, or suspension of services.

Policy Updates

We reserve the right to amend or update this Refund Policy at any time to reflect changes in regulatory requirements, industry standards, or service enhancements. All updates will be published on this page with a revised “Last Updated” date. Continued use of our platform after such updates indicates acceptance of the revised policy.

Contact Information

For refund-related queries, assistance, or clarifications, please contact us at support@urbanlurefurnish.com.