Return & Refund Policy
As a licensed Payment System Operator, Paperless Limited facilitates digital payments between customers and merchants. This policy describes how refunds, reversals, and reimbursement for unauthorized transactions are handled across our services.
Scope
Paperless Limited processes payments on behalf of merchants. Refund eligibility for goods or services purchased is governed by the merchant's own return and refund policy. Our role is to process the refund securely back to the original payment instrument once the merchant authorizes it.
Merchant-Initiated Refunds
Where a merchant approves a refund, Paperless Limited will return the funds to the original card, account, or wallet used for the transaction. Refunds typically settle within 5–10 working days depending on the issuing bank, card network, or wallet provider.
Transaction fees already incurred on a settled transaction may be retained in accordance with our merchant agreement.
Failed or Duplicate Transactions
If a transaction fails after your account has been debited, or if you are charged more than once for the same order, the amount will be auto-reversed to your original payment method. Auto-reversals typically complete within 5–7 working days. If the amount is not reversed within that window, please contact us with the transaction details.
Unauthorized Transactions
Paperless Limited will reimburse the amount of any unauthorized transaction or error, provided it meets our safeguard criteria. Unauthorized transactions occur when money is transferred from your account without your permission.
To qualify for reimbursement, you must notify us within five working days of noticing the unauthorized transaction or error. Regularly review your account activity to detect any unauthorized transactions.
How to Request a Refund
To request a refund or report a transaction issue, please share:
- Your full name and registered email address or phone number
- The transaction ID and date
- The transaction amount and merchant name
- A short description of the issue
Email us at support@paperlesslimited.com or call +880 01321-228443. We aim to respond within two working days.
Non-Refundable Items
Certain transactions are non-refundable once successfully completed, including mobile recharges, bill payments confirmed by the biller, and any service the merchant has explicitly marked as final sale. In such cases, please raise your claim directly with the relevant operator, biller, or merchant.
Policy Updates
Paperless Limited may update this policy from time to time. The latest version will always be available on this page. Continued use of our services after any update constitutes acceptance of the revised policy.