Payment & Refund Policy

Effective date: 26 September 2026

In-app payment: a customer can pay through Lobinlum only after the provider has correctly entered the customer-shared Job Start Code and the job is marked Started. Payments are processed by the gateway; Lobinlum does not store card, UPI PIN or bank-login credentials.

External payment: customers and providers may pay each other outside Lobinlum at their own responsibility. For a booking created or managed through Lobinlum, every clearly displayed applicable platform/service charge remains payable even if the parties pay directly. The parties should mark the booking as externally paid with the amount and date. External payments do not receive Razorpay payment records, invoices, payout routing or gateway protection through Lobinlum.

After a captured in-app payment, the booking amount, platform commission and provider payable amount are recorded. Normal closure using the Completion Code uses the displayed standard commission. Provider closure without the Completion Code requires a written reason and carries a 15% platform commission.

Refunds depend on the booking status, work performed, parties’ records, gateway rules and applicable law. A payment or dispute does not automatically create a refund entitlement. If an applicable Lobinlum charge remains unpaid after notice, Lobinlum may restrict bookings, suspend or permanently block the related account after review and subject to applicable law.