Effective date and last updated: 6 October 2026 · Applies to: NxtBanking (a product of Laraware Private Limited), its websites, APIs, dashboards and partner platforms.
1. Scope
This policy covers prepaid mobile recharge, DTH recharge, data-card and other prepaid recharges, and utility top-ups made through NxtBanking-powered platforms. Utility bill payments through Bharat BillPay are covered in the BBPS Policy.
NxtBanking is a software and API infrastructure provider. Where a service involves a regulated activity (for example BBPS bill payments, AEPS cash withdrawal, money transfer or prepaid recharge), that activity is carried out by the licensed or authorised entity concerned (such as a Bharat Bill Payment Operating Unit, a sponsor bank, a Payment Aggregator or a payment system operator) under its own licence and rules. NxtBanking does not hold customer funds as a bank, does not issue payment instruments and does not claim any licence or authorisation that it has not been granted.
2. How recharge works
A recharge request is sent to the telecom or DTH operator, directly or through an aggregator. The operator confirms success or failure. The recharge benefit (talk-time, data, validity, channel pack) is provided by the operator, as per the operator's plan, terms and offers. NxtBanking and its partners do not control plan content, validity, offers or tariff changes.
3. Before you recharge
- Check the mobile or subscriber ID, operator and circle carefully. A recharge is final once it succeeds.
- Check the plan, amount, validity and benefits shown on the platform or operator site.
- Recharge through authorised retailers or the official platform only.
4. Failed, pending and delayed recharges
| Case | Handling |
|---|---|
| Recharge failed, amount debited | Auto-reversal to the source (wallet within T+1 working day, bank and card up to T+5 working days) |
| Status pending | Verified with the operator, normally within 24 hours, and extended to 72 hours where the operator is slow. Either success or reversal follows |
| Recharge shows successful but benefit not credited | Operator verification requested. If the operator confirms non-delivery, the amount is refunded. Please allow up to 24 hours for credit as some operators delay it |
| Plan, validity or benefit different from what was expected | Raised with the operator. We are not liable for operator plan terms |
5. Wrong number or wrong operator
A recharge made to a wrong number, wrong operator or wrong circle is generally not refundable because the operator has already credited it. We will, on request, ask the operator to reverse it, but recovery is not guaranteed and depends on the operator.
6. Commission and margins (retailers and distributors)
- Commission or margin is as given in your rate card and is credited as per your agreement. It may change when operators change their payouts. We give notice of changes through the dashboard.
- Commission is reversed on failed or reversed recharges, and may be recovered for transactions found to be fraudulent or in breach of our policies.
- Self-recharge or round-tripping of recharges to earn commission is prohibited.
7. Retailer duties
Retailers must charge customers no more than the recharge amount and any disclosed fee, give confirmation of every recharge, verify the number with the customer, and not make a recharge without the customer's request and payment. Fraudulent or abusive recharge, use of stolen payment sources and bulk recharges to fake numbers are prohibited and may lead to blocking of the account and reporting to authorities.
8. Operator downtime and changes
Operators may have downtime or change plans and charges without notice. We may temporarily disable an operator or plan during outages. We are not liable for loss arising from operator downtime, plan withdrawal, number portability or number deactivation.
9. Refunds and complaints
Refund rules are in the Refund and Cancellation Policy, and complaints are handled under the Grievance Redressal Policy. For fastest handling, send the transaction ID, number recharged, amount, date and time.
Contact us
| Purpose | Contact |
|---|---|
| General and customer support | support@laraware.com |
| Refund and failed transaction queries | refunds@laraware.com |
| Legal, compliance and grievance escalation | legalteam@laraware.com |
| Phone | 0731-4621515 |
| Registered and correspondence address | Laraware Private Limited, B-2/64, Vibhutikhand, Gomtinagar, Lucknow, Uttar Pradesh 226010, India |