Recharge & Bill Payments

  • Show More Services


Paisa Bana Powerful

Grievance Policy



One MobiKwik Systems Limited. (the Company) is engaged in the following business segment


Semi-Closed prepaid Wallet business: Issuance of multipurpose prepaid MobiKwik Wallet as a payment option alternative to cash for large segment of population in the country that is unable to use e-payment / m-payment facility since they do not have debit/credit cards.

(Semi-Closed prepaid MobiKwik Wallet business is governed by the PSS Act and the RBI Guidelines).

The Company offers safe and easy payment option to every customer for seamless transactions across M-Commerce and E-Commerce domains. The Company has introduced multi-purpose prepaid MobiKwik Wallet (known as "MobiKwik eWallet") which can be used to purchase various goods and services Online/On-mobile/IVRS from affiliated merchants based on "anywhere-anytime" concept which would result in increased sales for all affiliated merchants and safety and convenience for the customer. The Company is helping business organizations to expand markets by supporting sales channels convergence with its payments options.

As a service provider industry, customer service and customer satisfaction are the prime concerns of the Company and the object of this policy is to minimize instances of customer complaints through proper service delivery and review mechanism and prompt redressal of various types of Customer Grievance Redressal Policy customer complaints.

The Company is in the business of issuance of Semi-Closed prepaid MobiKwik Wallet and is authorised by the Reserve Bank of India (RBI) to operate a Payment System. It is governed by the Payment and Settlement Systems Act, 2007("the PSS Act"), Regulations made under and the Issuance and Operation of Prepaid Payment Instruments in India (Reserve Bank) Directions, 2009 ("the RBI Guidelines") laid down by the RBI.

As required under the Clause 12.2 of the said RBI Guidelines, the Company has developed a procedure for promptly attending to grievances of the customers in respect of various issues pertaining to MobiKwik Wallet as online payment mode. This is done by setting up an internal two tier system in the form of "Customer Support" and a grievance redressal mechanism in the form of "Customers Grievance Redressal Committee", as hereinafter provided.

  1. This Policy is called the "Customers Grievance Redressal Policy".
  2. It shall apply to the business of the Company in India.
  3. It shall come into force from 1st day of December, 2013
  4. It shall apply only to Semi-closed prepaid MobiKwik Wallet business as mentioned under point 3 above.
  5. It is available on the website of the Company

Section 1 - Definitions

  1. 'Company' shall mean One MobiKwik Systems Limited. which is carrying on the business of issuance of Prepaid Payment Instruments, payment processing, payment collection and related services by facilitating payment solutions to the Customer for buying goods and services through any digital/electronic medium.
  2. 'Complainant' shall mean the Customer who has a Grievance.
  3. 'Customer' shall mean the holder and/or user of MobiKwik Wallet and/or any of the system participants of the Company.
  4. 'Grievance' shall mean communication in any form by a customer that expresses dissatisfaction about an action or lack of action by, or about the standard of service of the Company and/or its representative, in relation to use of MobiKwik Wallet.
  5. 'MobiKwik Wallet' shall mean the activated and valid Semi-closed prepaid wallet and all variants of the same issued by the Company.
  6. 'Payment System' means a system that enables payment to be effected between a payer and a beneficiary involving clearing, payment or settlement service or all of them but Customer Grievance Redressal Policy does not include a stock exchange.
  7. 'Redressal' shall mean the final disposal of the Grievance of the Complainant by the Company.
  8. 'System Participant' shall mean Bank or any other person participating in a payment system and includes the system provider as per the PSS Act.
  9. 'System Provider' shall mean a person who operates and authorizes payment system.
  10. 'Week' shall mean consecutive seven Working Days.
  11. 'Working Day' shall mean any day (other than Sunday & Public Holiday) on which the Company's Corporate Office is open for business.

Section 2 - Principles Governing Company's policy

The Company's policy on grievance redressal is governed by the following principles:

  1. Customer shall be treated fairly at all times.
  2. Complaints raised by customers shall be attended with courtesy and in time.
  3. Customers shall be fully informed of avenues for grievance redressal within the organization and their right to approach the Customers Grievance Redressal Committee in case they are not fully satisfied with the response of the Customer Support.

The Company's Officer-in-Charge of Customer Support must work in good faith keeping in mind this policy of the Company.

Section 3 - Process to handle Customer Grievances

  1. Grievances by the holder and/or user of MobiKwik Wallet:
  • 3.1 Two Tier Grievance Redressal System

    The Company has established customer grievances redressal machinery functioning at two levels:

    1. Customer Support &
    2. Customers Grievance Redressal Committee

    The Company has a Customer Support facility (0800 Hrs to 2300 Hrs Monday to Sunday) for effective resolution for operational issues and all the grievances referred to it.

    For quick reference, the contact details are provided herein below:

    - Customer Support: MobiKwik Helpdesk

    - Customer Care Number - 080-69808686 (Monday to Saturday 9:00 AM to 8 PM)

    Function and Authority

    The Customer Support is responsible for the resolution of queries of all customers. The Officer-in-Charge of Customer Support is responsible for ensuring resolution of all queries received at Customer Support to the customer's satisfaction.


    The customers who are not satisfied with the resolution of their queries by the Customer Support can approach the Customers Grievance Redressal Committee ("the Committee") for redressing their grievances. The Committee shall consist of two members out of whom one will be designated by the Company and the other would be an independent person who has fairly requisite knowledge of the Laws, who is not office-bearer, employee, director or any other person/s who has/have any interest of whatsoever nature in the Company.

    This committee, at present, consists of two escalations which can be addressed to:

    Level 1:
    Angad Wadia
    Associate Director - Operations, Risk and Compliance
    One MobiKwik Systems Limited
    Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road,
    Sector-53, Gurugram,
    Haryana-122003, India
    Response Time: Fifteen Business Days from the date of original complaint

    Level 2:
    Prashant Gandhi
    Nodal Officer ( Write to Nodal Officer via email to [email protected])
    Contact number: 080-69808686 (Monday to Saturday 9:00 AM to 8 PM)
    One MobiKwik Systems Limited
    Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road,
    Sector-53, Gurugram,
    Haryana-122003, India
    Response Time: Thirty Days from the date of original complaint

    Banking Ombudsman Scheme
    If you are not satisfied with redressal of the complaint provided by MobiKwik or if you have not received a response from MobiKwik within one month i.e. 30 days of logging a complaint with us, you may approach the Reserve Bank of India through with the complete transaction and other requisite details. You may refer for details about this scheme.

    Function and Authority

    The functions of the Committee are as under:

    1. a. The Committee will address the grievance of the Customer if he/she is not satisfied with the decision of the Customer Support.
    2. b. The Committee will be responsible for ensuring timely and effective implementation of all regulatory requirements regarding customer service.
    3. c. The Committee shall have right to ask for all records from the Customer Support and the customer.
    4. d. The Committee will look into the simplification of procedures and practices prevailing in the Company with a view to safeguarding the interests of customers of the Company.
    5. e. The Committee will review the regulations and procedures prescribed by RBI for customer service and whether the same are adopted in spirit and intent by the Company and make suitable recommendations for rationalization of the same.
    6. f. The Committee will review the practice and procedures prevalent in prepaid payment solutions industry and take necessary corrective action on an on-going basis.
    7. g. The Committee will endeavour to proactively advice the Customer Support on pending complaints.
  • Grievance Redressal Procedure
    1. a. A grievance may be communicated by the Complainant to the Committee as per the convenience of the Complainant in physical or electronic mode, in the form provided in schedule 'A' hereto to MobiKwik Helpdesk
    2. b. Upon receipt of a grievance, the concerned officer shall enter the details thereof in the Grievance Redressal Register.
    3. c. All grievances received shall be acknowledged within three working days from the receipt of grievance by the Committee.
    4. d. The Committee shall resolve every grievance within 21 working days from the date of receipt of the grievance.
  • Final Redressal and Closure of Grievance

    Grievance shall be treated as finally redressed and closed in any of the following circumstances:

    1. a. Where the Complainant has communicated his acceptance of the Company's decision on redressal of grievance communicated by Customer Support
    2. b. Where the Complainant has not communicated his acceptance of the Company's decision, within 1 (ONE) months from the date of communication of decision by the Customer Support or the Committee, as the case may be.
  • Implementation of the decision

    The Management shall take all necessary steps to implement the decision of the Committee.

    Grievances by a person other than the holder and/or user of MobiKwik Wallet (System Participant):

    Grievances between System Participants in respect of any matter connected with the operation of the payment system shall be resolved in accordance with the relevant provisions of the Payment and Settlement Systems Act, 2007, as may be amended from time to time.

Schedule 'A' :


(All fields are mandatory)

Customers Grievance Redressal Committee
One MobiKwik Systems Limited
Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road,
Sector-53, Gurugram,
Haryana-122003, India

  2. FULL ADDRESS OF THE CUSTOMER ( With Email Id and Mobile N0 )
  3. MobiKwik Wallet ID
    (If space is not sufficient, please enclose separate sheet)
    (If remedy has been provided, please enclose relevant communication from the Customer Care Centre)
    (Please enclose copies of any relevant documents which support the facts giving rise to the Grievance)
    1. I/ We, the customer/s herein declare that:
      1. the information furnished hereinabove is true and correct; and
      2. I/ We have not concealed or misrepresented any fact stated hereinabove and the documents submitted herewith.
    2. The present Grievance has been intimated to Committee in the prescribed form and manner prescribed by the Company and I/We am/are not satisfied by the remedy provided by the Customer Support
      no remedy was provided within a period of (__) days/weeks/months from the date of original intimation.
    3. The subject matter of the present Grievance has never been submitted to the Company by me or by any one of us or by any of the parties concerned with the subject matter to the best of my/our knowledge.
    4. The subject matter of my/our Grievance has not been settled by the Company/ Customer Support in any previous proceedings.
    5. The subject matter of my/our Grievance has not been decided by any competent authority/court/arbitrator and is not pending before any such authority/court/arbitrator.

Yours faithfully

(Customer's name in block letter)


If the customer wants to nominate his representative to appear and make submissions on his behalf before the Customers Grievance Redressal Committee the following declaration should be submitted:

I/We the above named customer hereby nominate Shri/Smt. , who is not an Advocate and whose address is as my/our REPRESENTATIVE in the proceedings and confirm that any statement, acceptance or rejection made by him/her shall be binding on me/us.

He/ She has signed below in my presence.

(Signature of Representative)

(Signature of Customer)

Need help ? We will be glad to assist you

To Block and Report Unauthorized Transaction on your MobiKwik Wallet Account

Report via MobiKwik Website or App

  • Visit or Help Section of your MobiKwik App and choose Report Fraud option.
  • Fill in the required details and click on Create Ticket.
  • Please use the Ticket Id generated for future reference or communication with our investigation officer.
  • To report Fraud on your MobiKwik account please keep the transaction details (Order Id, Amount, Date and Time) handy for quick assistance.

Report via Call: 011-61265656

  • To report Fraud on your MobiKwik account please keep the transaction details (Order Id, Amount, Date and Time) handy for quick assistance.

Customer Protection – Limiting Liability of Customers in Unauthorised Electronic Payment Transactions in Prepaid Payment Instruments (PPIs) issued by Authorised Non-banks

To raise disputes against UPI transactions done on the app, the customer can choose any of the below options -

Customer Liability in the event of unauthorized Payment Transaction

In accordance and subject to RBI guidelines and directions made available at , a customer’s liability arising out of an unauthorized payment transaction will be limited to:
Customer liability in case of unauthorized electronic payment transactions through a PPI
S.No.ParticularsMaximum liability of customers
(a)Contributory fraud / negligence / deficiency on the part of the PPI issuer, including PPI-MTS issuer (irrespective of whether or not the transaction is reported by the customer)Zero
(b)Third party breach where the deficiency lies neither with the PPI issuer nor with the customer but lies elsewhere in the system, and the customer notifies the PPI issuer regarding the unauthorised payment transaction. The per transaction customer liability in such cases will depend on the number of days lapsed between the receipt of transaction communication by the customer from the PPI issuer and the reporting of unauthorised transaction by the customer to the PPI issuer -
i. Within three days#Zero
ii. Within four to seven days#Transaction value or ₹ 10,000/- per transaction, whichever is lower
iii. Beyond seven days#As per the Board approved policy of the PPI issuer
(c)In cases where the loss is due to negligence by a customer, such as where he / she has shared the payment credentials, the customer will bear the entire loss until he / she reports the unauthorised transaction to the PPI issuer. Any loss occurring after the reporting of the unauthorised transaction shall be borne by the PPI issuer.
(d)PPI issuers may also, at their discretion, decide to waive off any customer liability in case of unauthorised electronic payment transactions even in cases of customer negligence.
# The number of days mentioned above shall be counted excluding the date of receiving the communication from the PPI issuer.

We at One MobiKwik Systems Limited caution the members of public and our Users not to fall prey to fictitious offers and or unsolicited phone calls or emails asking for financial information or any other type of personal information. It has been observed that fraudsters have resorted to defraud the susceptible public by convincing them over a phone call to divulge details of the debit / credit card or their bank account information in order to commit cybercrimes. Recipients of such communication fall prey to frauds or scams perpetrated by individuals who impersonate to be employees of various financial institution and end up compromising their confidential information and that which is later on used by such fraudsters on ecommerce and m-commerce platforms. We apprise you that MobiKwik will never ask for the details of your Account / PIN / Password / Full Debit / Credit Card number / Expiry Date / OTP / CVV / Confidential Bank Account details or any other security/personnel information .

In case you fall prey to such a fraud or scam , kindly use the link provided to you by us or write to us at [email protected] or follow our grievance policy , in order to report the same to avoid further loss.

MobiKwik has implemented a highly secured environment in order to avoid and check fraudulent transactions – however it is important for customers to ensure that they exercise caution and refrain from compromising sensitive and personal information.