1) UPI/Google Pay (GPay)
- If the failure occurs at the payment gateway level or due to third-party validation, the refund is processed instantly.
- If the failure occurs at the customer’s bank end, the turnaround time (TAT) depends on the customer’s bank. Some banks process refunds within 24 working hours, while others may take 5–7 working days.
2) Net Banking
Pending from Bank:
- Once we receive confirmation from our payment gateway that your transaction was successful, the amount will be updated in your Upstox wallet.
- If the amount is not credited, it will be reversed to your bank account within 24–48 working hours.
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