Refund & Cancellation Policy

1. Scope

This policy applies to all payments made through TOCO's token-based QR billing system at participating shops. TOCO operates the billing system; payments are processed by third-party payment gateways and UPI service providers.

2. No Refund After Consumption

3. Eligible Refund Cases

Refunds may be considered only in the following circumstances:

• 1Duplicate payment made for the same token
• 2Payment amount exceeds the billed amount
• 3Payment completed but token/order was not generated due to a system error
• 4Proven unauthorized or fraudulent transaction

4. Refund Request Process

To request a refund, please email us at hyshem@tokencompany.in with the following information:

5. Processing Timeline

*Subject to bank and UPI provider processing timelines

6. Refund Method

Refunds are issued to the original payment method wherever possible. In cases where a cash refund is applicable, it will be handled directly by the participating shop.

7. Disputes

If a dispute is raised through your bank or UPI service provider, TOCO will cooperate fully by providing relevant system logs and payment gateway records to facilitate resolution.

8. Policy Updates

TOCO reserves the right to update this policy at any time without prior notice. The version published on this page is the current and binding version. We encourage you to review this policy periodically for any changes.

9. Contact Us

For refund-related queries or assistance, please contact us: