Last Updated: September 2026
EDHARA PAYMENT SOLUTION PRIVATE LIMITED maintains automated transaction monitoring and reconciliation mechanisms to protect all retailers and consumers against dropped, delayed, or failed payment events.
1. Electricity Bill Payments & BBPS
Electricity bill settlements are submitted to power utilities (AVVNL, JVVNL, JdVVNL, UPPCL, etc.) in real time:
- Successful Settlement: Once a discom generates a valid BBPS transaction reference / receipt number, the payment cannot be cancelled or reversed, as funds are already transferred to the government utility account.
- Pending / Discom Timeouts: If a transaction enters a "Pending" status due to discom server downtime, our auto-reconciliation engine queries the discom switch every 15 minutes. If confirmed, the receipt is delivered; if rejected by the discom, 100% of the funds are refunded back to the agent wallet instantly.
- Failed Transactions: If debit occurs but the discom refuses the bill (e.g. bill already paid, invalid account), funds are automatically reversed back to the source wallet within 2 to 24 hours.
2. Domestic Money Transfer (DMT) & IMPS
- If an IMPS transaction returns a failure status from the beneficiary bank, the debited amount is returned to the retailer wallet automatically along with the transfer surcharge.
- If an IMPS transaction is marked "Pending" by the National Payments Corporation of India (NPCI), standard banking resolution guidelines dictate a maximum clearing window of T+2 business days.
3. Mobile & DTH Recharges
Prepaid top-ups are non-refundable once the telecom operator acknowledges the recharge with a live Operator Transaction ID (Op-ID). If an operator reports failure, the wallet balance is restored immediately.
4. AEPS Cash Withdrawal Discrepancies
In the rare event where a customer's bank account is debited but the biometric terminal encounters a communication failure before dispensing:
- Under RBI circular guidelines, the issuing bank is obligated to reverse the customer's funds within 5 business days (T+5).
- Retailers are encouraged to provide the customer with the 12-digit RRN / UTR number generated by the Edhara terminal for easy tracking with their home bank.
5. How to File a Dispute / Support Request
For any settlement queries, transaction reconciliations, or refund tracking:
