Since VendorSathi processes payment aggregations for local offline merchant checkouts:
Any physically returned product must be processed directly at the merchant's offline outlet based on individual store policies. VendorSathi does not handle physical return shipments.
If a wrong transaction occurs, the customer must submit a dispute request at the merchant counter. Upon merchant confirmation, the transaction settlement can be reversed to the customer's wallet balance.
Failed bank loads that deduct cash but don't credit the wallet are automatically returned to the source bank account within 3 to 5 business days.