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I hereby notify you of my decision to terminate the contract relating to the Razorpay service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Razorpay: Easy Method
What is Razorpay
Overview
Razorpay is a payment aggregator and payments SaaS platform used by Indian businesses to accept and process online payments via cards, UPI, netbanking, wallets and other instruments.
Razorpay itself does not sell goods or services to consumers; it provides the payment infrastructure that merchants use to collect and refund payments.
Role in cancellations and refunds
Razorpay executes refunds and payment flows on behalf of merchants according to the merchant's instructions and configured policies.
Any cancellation or return-rights are governed by the merchant; Razorpay facilitates the payment-side actions such as refund routing and settlement.
How to cancel Razorpay
If you are a customer (buyer)
- Contact the merchant or seller who sold the product or service and request cancellation or return as per their policy.
- Ask the merchant to initiate a refund to the original payment method once they accept the cancellation.
- If you need confirmation or a refund ARN/UTR, request that from the merchant or ask them to share the refund notification sent by Razorpay.
If you are a merchant (subscription or payment setup)
- For customer subscriptions you manage via Razorpay, cancel via the Razorpay Dashboard or the Subscriptions API; you can choose immediate cancellation or cancellation at period end.
- Note that once a subscription is cancelled in Razorpay it cannot be reactivated; create a new subscription to restart billing.
- For order or payment cancellations, initiate a refund from the Dashboard or API to return funds to the original payment instrument.
What happens when you cancel
Access and service
If you cancel a merchant-provided service or order, access to the purchased product or service depends on the merchant's cancellation terms.
For subscriptions cancelled by the merchant, access can end immediately or at the end of the billing cycle based on the option chosen.
Data and records
Razorpay retains transaction records for settlement, compliance and reporting as per its terms and regulatory requirements.
Merchants retain customer account and subscription records in their own systems; cancelling a subscription in Razorpay does not delete merchant-side account data.
Will I get a refund?
Who decides refund eligibility
Refund eligibility and merchant return/cancellation policies are determined by the merchant; Razorpay only processes refunds when instructed by the merchant.
There is no automatic 14‑day cooling‑off or mandatory refund right imposed by Razorpay itself; consumers should check the merchant's policy.
How refunds are processed and timing
When a merchant initiates a refund, Razorpay routes the refund to the original payment method. Customers are notified with a reference (ARN/UTR) to track the refund.
Typical refund timing ranges (as processed by Razorpay):
- Cards: approximately 5 - 10 business days
- Netbanking: approximately 2 - 10 business days
- Wallets: approximately 0 - 3 business days
- UPI: approximately 2 - 7 business days
Razorpay does not charge a processing fee for normal refunds; the original transaction fee and GST collected at payment capture are non‑refundable.
For more on how refunds are notified and tracked see Razorpay documentation: Customer refunds and Normal refunds timing.
Razorpay plans and pricing
Summary
Standard Razorpay platform fees are charged per transaction and include GST. There are no setup or annual maintenance fees for standard accounts.
UPI tiered pricing applies until 31 December 2025 for cumulative UPI volume slabs.
Pricing table
| Plan | Price | Period | Features |
|---|---|---|---|
| Standard (Domestic Cards, Net Banking, UPI, Wallets) | 2% + 18% GST = 2.36% | Per Transaction | Access to Flash Checkout, Dashboard, Reports; no setup or AMC |
| International Cards / Amex / Diners / EMI / Cardless EMI / Corporate Credit Cards | 3% + 18% GST = 3.54% | Per Transaction | Same platform access; higher rate due to instrument type |
| UPI Tiered Pricing (till Dec 31 2025) | 0.75% (₹0 - ₹25L), 0.30% (₹25L - ₹5Cr), 0.10% (>₹5Cr) | Per Transaction (cumulative tiers) | Reduced platform fee for higher cumulative UPI volume |
| Setup Fee | ₹0.00 | One-Time | No setup or onboarding fee for standard account |
| Annual Maintenance Fee (AMC) | ₹0.00 | Annual | No annual maintenance fee for standard account |
Your consumer rights in India
Who determines cancellation and refund rights
Because Razorpay is a payment aggregator it does not set consumer refund or return rights for goods or services sold by merchants.
Consumers should rely on the merchant's advertised cancellation, returns and refund policy at point of sale.
Regulatory context and practical steps
Consumer protection laws in India (e.g., consumer protection statutes and e-commerce rules) may impose obligations on merchants for returns and refunds; those legal rights run against the seller, not Razorpay as the payments provider.
If a merchant refuses a lawful refund or misrepresents a product, escalate to consumer forums or regulators with order evidence and payment transaction details.
Customer experiences
Positive feedback
Some merchants report fast onboarding, reliable UPI/card acceptance, consistent settlements and transparent fee visibility when using Razorpay.
Such positive experiences are reflected in user reviews praising platform features and settlement clarity.
Negative feedback
Public reviews also include complaints about slow or unhelpful customer support, account suspensions with held funds, and unresolved settlement issues.
There are reports from merchants of recurring payment failures and poor resolution speed; when evaluating Razorpay, factor in both positive and negative user reports.
See sample community discussions and reviews: Trustpilot reviews and community threads.
Documentation checklist
What to collect before raising a cancellation/refund
- Order or invoice number and merchant reference.
- Payment transaction ID and date/time of payment.
- Merchant confirmation of cancellation and requested refund amount.
- Screenshot or copy of refund notification containing ARN/UTR once issued.
Where to find official guidance
- Razorpay customer refunds documentation: Customer refunds.
- Razorpay normal refunds timing: Normal refunds.
Common mistakes
Assuming Razorpay controls merchant policies
Many consumers contact Razorpay expecting platform-level refund guarantees; this is incorrect because refund rights are set by the merchant.
Always contact the merchant first and request them to initiate the refund via their Razorpay Dashboard or API.
Missing or incomplete information when requesting help
Providing incomplete transaction details (missing order ID or payment ID) slows resolution and can lead to incorrect answers from support teams.
Keep transaction IDs, screenshots and merchant emails handy when escalating disputed refunds or settlements.
Comparative recap
Quick feature comparison
This table summarises key differences between Razorpay's role and the merchant's responsibilities regarding cancellations and refunds.
Comparison table
| Feature | Razorpay (payment aggregator) | Merchant / Seller |
|---|---|---|
| Who decides refund eligibility | Executes refunds when instructed by merchant | Defines cancellation and refund policy and initiates refunds |
| Refund routing | Refunds routed to original payment instrument (ARN/UTR provided) | Initiates refund and communicates with customer |
| Refund timing | Typical timings: cards 5 - 10d, netbanking 2 - 10d, wallets 0 - 3d, UPI 2 - 7d | May affect customer experience depending on how quickly merchant initiates refund |
| Fees on refund | No processing fee for normal refunds; original transaction fee and GST non‑refundable | May choose to absorb transaction fees or pass costs as per policy |
After cancelling
Tracking and follow-up
After the merchant initiates a refund, look for an email or notification containing the refund reference (ARN/UTR) to track the refund through banking rails.
If the refund does not appear in the expected timeframe, follow up with the merchant and provide the refund reference for bank investigation.
Useful links
- Razorpay customer refunds documentation: Customer refunds
- Razorpay normal refunds timing: Normal refunds
- Discussion on in‑app subscription rules (Google Play billing context): Google Play billing discussion
Address
Registered address
First Floor, SJR Cyber, 22, Laskar Hosur Road, Adugodi, Bangalore, Karnataka 560030, India.
Notes
This address is provided for reference and aligns with company filings and public listings; for legal or formal notices consult the merchant agreement or Razorpay terms of service.