Payment disputes

Last updated: 1 October 2026 · Applies to payments in the Sahi Setu and Kaho Likho apps

If you see a payment to Sahi Setu or Kaho Likho that you did not make or authorise, or a payment that is wrong (charged twice, the wrong amount, or charged after you cancelled), tell us and we will look into it. These apps are provided by Next Gen Payment Wallet India Private Limited (CIN U74999UP2021PTC152770), 4th Floor, 402, Alpha-1, I.A. Surajpur, Greater Noida Alpha Road, Alpha 1, Greater Noida, Gautam Buddha Nagar, Uttar Pradesh 201310, India.

1. How to report it

Email info@nextgenpaymentwalletindia.com with the subject "Payment dispute", and include:

  • the app (Sahi Setu or Kaho Likho) and the mobile number of the account, if you have one with us;
  • the date and amount of the payment;
  • the payment reference: the UPI reference (UTR), the Zaakpay transaction ID, or the Google Play order number (it starts with GPA.);
  • what happened, in a line or two.

You can also call us on +91 93100 29327. Never share your UPI PIN, card number, CVV or a one-time password with anyone, including us.

2. What we do

  • We reply within 2 working days and tell you the case reference.
  • We check the payment with our payment gateway (Zaakpay) or Google Play, and the account it was made from.
  • If the payment was unauthorised or wrong, we refund it to the original payment method, stop any UPI AutoPay mandate linked to it, and secure the account. We aim to close each case within 7 working days of receiving the details above.
  • If we find the payment was authorised, we explain why, with the details we relied on.

3. Stopping future debits straight away

  • UPI AutoPay: cancel the mandate in your UPI app (Google Pay, PhonePe, Paytm or your bank's app, under AutoPay or Mandates), or in the app under Profile, then Subscription.
  • Google Play: in the Play Store, tap your profile picture, then Payments and subscriptions, then Subscriptions, and cancel it there.

4. Other ways to raise it

  • Your bank or UPI app: you can also raise a complaint for a UPI transaction in your UPI app or with your bank, under the NPCI dispute process.
  • Google Play purchases: payments made through Google Play can also be reported to Google, under Google Play's refund policy.
  • If you are not satisfied with our answer, you can write to our grievance officer at the same email address.

App policies: Sahi Setu refund policy · Kaho Likho cancellation and refund policy.