What to do when a payment fails

What a failed checkout can mean

A subscription checkout can fail because the bank declined it, an OTP expired, the network dropped, the payment processor rejected the attempt, or the app did not receive the final confirmation. The processor and methods available are shown in the current checkout.

The safe retry

1. Do not start several checkouts at once.
2. Check the bank or UPI app for a final status and save the transaction reference.
3. Wait for the in-app checkout to move out of its pending state.
4. Reopen Markov and check the subscription screen before retrying.
5. If the first attempt is clearly failed, start one new checkout.

Do not assume that a bank debit means the Markov subscription activated. The app must receive a successful processor confirmation before access changes.

If money was debited but access did not change

Do not pay a second time immediately. Email support@markov.in with the transaction reference, amount, approximate time, and the last four digits of the registered phone number. Do not send an OTP, full card number, UPI PIN, CVV, PAN, or Aadhaar number.

Reversal and refund timing depends on the bank, payment channel, processor and published terms. Support can check Markov's transaction state but cannot ask you for a banking password or authentication code.