Please allow us some time to review your concern and assist you with the refund status. Rest assured, your funds are safe!
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@Nabeel_Shah, I’ve sent you a DM requesting the transaction screenshot and the merchant’s refund confirmation details. Please reply to the DM () with the information so I can check this and assist you further.
Alternatively, you can email the details to global.escalation@goniyo.com, and a ticket will be created for immediate support from the team. Thank you!
As per the update from the bank, they are trying to connect with you regarding the disputed transaction. We kindly request you to respond to the WhatsApp message you may have received so that they can schedule a call back for further assistance.
In the meantime, we are continuously following up with the bank and will keep you informed as soon as we receive an update. Thank you for your cooperation.
Hi @Nabeel_Shah please allow up to 15 business days, until February 7th, for the refund to be credited back to your account. Don’t worry, your funds are secure, and it could be refunded even before the given time. We’ll personally follow up with you to keep you updated. Thanks for your patience!
I am in UK as a student and for for the first 4 months the card worked great all the online transactions are working fine. I tried to make payment of my monthly fee on my university portal and the transaction declined, at first I thought it might be the problem of university portal but then I tried to do small payment from a different card and it worked. I am fed up by the slow reply to the emails are and the timeline they sent me to resolve the issue is very long and I most probably will miss my fee payment date. I seriously think that I made a mistake by choosing Niyo.
We sincerely regret the inconvenience and frustration this has caused you. To investigate further, we kindly request you to DM us with a screenshot of the transaction status along with your registered mobile number.
Here’s how:
Click on our profile icon.
Click on MESSAGE.
Type your details in the message body.
Upload any screenshots by clicking on the upload icon, and then click Send Message.
Alternatively, you can email us at global.escalation@goniyo.com and share your ticket number. If you already have an existing ticket, please provide the ticket number here, and we’ll follow up on it.We appreciate your patience and are here to assist you.
I have mailed the reference number at global.escalation@goniyo.com as I am not able to message you by following the steps you gave. There is no Message button.
Hey @Aryaan_Vedak We’ve escalated your concern to the bank team on priority and will get back to you with an update as soon as we have more information. We truly appreciate your trust and understanding!
Hello ma’am, I have been in touch with Pranay sir… Ma’am just wanted to clarify that that payment was done using Niyo DCB Bank debit card to my university through their official website they also confirmed that transaction was declined on their side. Ma’am please look into the matter this is very huge amount & my education loan and I need to pay fees to the university as well.
We completely understand your concern, and we sincerely regret the inconvenience this has caused. Please know that we truly appreciate your patience as we work towards a swift resolution.
We’ve already escalated the issue to the DCB Bank, and the complaint number is CS1567729. The expected resolution time (ERT) is 7th March 2025. However, we’re doing everything we can to resolve this on priority and will keep you updated every step of the way.
Your trust means a lot to us, and we’re here to support you. If there’s anything else you’d like to share in the meantime, please feel free to reach out.
Thank you for reaching out again. We understand your concern regarding the refund. As previously informed, international refunds for SBM accounts typically take up to 15 working days. We kindly request you to wait until February 7th for the refund to be credited.
Rest assured, if the refund doesn’t reflect in your account by then, we’ll be here to assist you further. We appreciate your patience and understanding.
Hi!
I would also like to add these 2 emails showing that the payment was declined from university and error that I got from university side was “issuer or switch inoperative”
Below screenshot have details of 2 transactions that were done
Thank you for sharing the screenshots. We have forwarded them to the bank for further investigation. Rest assured, we will connect with you as soon as we receive an update from the bank. We truly appreciate your patience and understanding in the meantime.
We tried reaching out to you but couldn’t connect. We kindly request you to confirm if the refund has been credited to your source account. If the funds are still not reflecting, we recommend raising a dispute with your source bank for further assistance.
Feel free to reach out if you need any help—we’re here for you!
I want someone to help me with this issue that i am facing. Around ₹3,000 had been deducted on the basis of ATM Balance Enquire Deduction. A normal withdrawl was charged for ₹425 but I dont get the idea on why ₹3000 had been deducted to just check my account balance
I have attached the screenshot.
If anyone know the reason it would be great
) with the information so I can check this and assist you further.
We have forwarded them to the bank for further investigation. Rest assured, we will connect with you as soon as we receive an update from the bank. 
We truly appreciate your patience and understanding in the meantime.
but couldn’t connect. We kindly request you to confirm if the refund has been credited to your source account. 
for further assistance.
