IREPS Online Transactions Status

The handling of the various responses received by IREPS application from the payment gateway is detailed below:

• Success: Online Transactions are treated as successful only if Success response is received from the payment gateway aggregator.

• Retry: In case of communication failure from the payment gateway, the users are provided a Retry button to re-confirm the status of payment from the payment gateway. If the confirmation is not being received from the payment gateway even after repeated retry attempts, the users are allowed to make a duplicate payment after at least three retry attempts. Users are advised to make duplicate payment only if becomes unavoidable due to urgency.Such duplicate payments are subject to the refund policy detailed below.

• Failed: In case Failed response is received from payment gateway (which may be due to insufficient funds in user account, transaction being aborted by the user, communication failure between payment gateway and user’s bank, time limit for transaction being exceeded etc.) the transaction is treated as failed, and the IREPS application would also show the status of transaction as Failed. In such cases the user is allowed to initiate new payment transaction.

• Pending for Confirmation: In case of initiation of payment by users through corporate Netbanking account using maker-checker functionality, the payment gateway returns Pending for Confirmation response. Duplicate payments are allowed in such cases also after the Retry button is clicked at least three times. Users are advised to complete the already initiated transaction at their end instead of initiating a new transaction. Duplicate payment should be attempted only if it becomes unavoidable. Such duplicate payment shall be subject to Refund Policy detailed below.

• In case of response being given by the payment gateway is other than Success or Pending for Confirmation, the payment will be treated as Failed and IREPS application would show the status of the transaction as Failed. In such cases the user will be allowed to initiate new payment transaction.
• If the amount has been deducted from the bank account of the user against a Failed Transaction, the same will be reverted and the amount shall be credited to the user account by the payment gateway. The payment gateway minimum take 2-3 working days to revert the transaction.

Click Here to see the Refund Policy of IREPS for Online Transactions.