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Why Isn't My Cashback Instant?

Cashback is not always credited instantly, as its final status depends on several factors, including the type of offer, the completion of the transaction, and the terms set by the partner merchant or bank.

Key Scenarios for Delayed Cashback

1. Offer-Specific Waiting Period:

Details: Many offers require a cooling-off or settlement period. For example, some offers state that the cashback will be credited "after 7 working days" or "post-delivery" of the product.
Action: Check the Offer Terms! Review the specific offer details and wait for the mentioned period to pass.

2. Standard Processing Time:

Details: Even for general offers, it may take a day or two for the transaction to be fully reconciled and confirmed by the partner service.
Action: Wait 24-48 hours. Most cashback is credited within this time frame.

3. Large/High-Value Transactions:

Details: For significant transactions (e.g., high-value shopping), the processing time can be slightly longer due to additional risk verification by the bank or merchant.
Action: Allow up to 3 working days for the cashback to reflect.

4. Transaction Still Pending/Failed:

Details: If the original payment transaction is marked as 'Pending' or eventually fails, the associated cashback will naturally not be processed.
Action: First, resolve the payment transaction status. Cashback will only be credited once the payment is "Successful".

Read: How to Use Paytm Cashback Points?

Where to Track Your Cashback

Check the 'Cashback & Offers' Section: The Paytm app has a dedicated section (usually accessible from the home screen) where you can check the status of all earned and pending cashback.
Check your Bank Account: Once credited, the amount will reflect in your Bank Account.