Welcome to (Website Name), operated by (Company Name). We deeply value your trust and appreciate the opportunity to provide our services. The terms “We,” “Our,” and “Us” refer to (Website Name), while “You,” “Your,” and “User” describe individuals or businesses accessing our services. These Terms & Conditions outline the guidelines, obligations, and policies that regulate your usage of our payment gateway platform.
We strongly recommend that you review these Terms & Conditions carefully before proceeding to use our website. Your continued access indicates acceptance of the terms below. If you disagree with any provision, you must stop using the Services immediately. Updates to these Terms may occur periodically, and continued usage will signify agreement to such revisions.
Agreement to Terms
By using our platform, you agree to abide by these Terms as well as our Privacy Policy. If you disagree with any section, you must discontinue access to the Services without delay.
Eligibility and Account Registration
- You must be at least 18 years of age and legally capable of entering valid contracts.
- You must operate a genuine business in full compliance with applicable laws.
- As part of the registration process, you are required to complete KYC (Know Your Customer) verification by submitting authentic identity and business documents.
- You are solely responsible for safeguarding your account login details. Any activity conducted via your account will be assumed as authorized by you, unless proven otherwise.
- We retain the right to accept or decline any application at our discretion.
Scope of Services
(Website Name) provides businesses with digital payment solutions that enable the acceptance of customer payments through credit cards, debit cards, UPI, net banking, and e-wallets. We also offer integration tools including APIs, plugins, and POS solutions. Additional features may include invoicing, recurring payments, payment links, QR-based transactions, and real-time analytics. Settlements are facilitated directly into verified bank accounts. We may alter, enhance, or discontinue certain services at any time without prior notice.
User Obligations
- Provide true, complete, and regularly updated financial and business information.
- Utilize the platform solely for legitimate and lawful commercial purposes.
- Protect your login credentials and API keys from unauthorized use.
- Notify us immediately if you detect unauthorized account access, suspicious activities, or potential fraud.
Fees and Settlement
Service charges are clearly defined in your Merchant Agreement or within your dashboard. We reserve the right to update these fees after prior notice. Unless otherwise mentioned, all fees are exclusive of applicable taxes, which you are responsible for paying to relevant authorities. You remain liable for customer chargebacks, and refunds will be handled according to our prescribed policies and timelines. Updates or modifications to fees may be communicated via email or your merchant dashboard.
Prohibited Activities
You are expressly prohibited from using our Services for any unlawful, fraudulent, or unauthorized purpose. This includes but is not limited to the sale of narcotics, adult services, gambling platforms, counterfeit goods, weapons, or any activity restricted under law. Manipulating the platform, breaching security protocols, or exploiting technical vulnerabilities is forbidden. Violations may lead to immediate suspension, freezing of funds, and potential legal action under applicable laws.
Risk Monitoring and Fraud Management
We employ AI-driven monitoring systems, automated scoring models, and real-time fraud detection tools to safeguard merchants and customers. Transactions that appear suspicious may be paused, reviewed, or reversed. In the event of confirmed fraud, we reserve the right to freeze or terminate your account without notice. You agree to bear liability for chargebacks, penalties, or financial losses resulting from fraudulent or unlawful activities conducted through your account.
Data Privacy and Security
Protecting user and customer information is a top priority. All personal and transactional data collected during your use of our Services is managed in line with applicable data protection regulations and our Privacy Policy. We adhere to encryption standards and use advanced encryption, authentication, and access control measures. Your data may be utilized for payment processing, fraud prevention, technical improvements, and legal compliance. You are strictly prohibited from storing cardholder information unless permitted under applicable encryption standards.
Intellectual Property
All intellectual property associated with the platform—including but not limited to software code, visual design, branding, content, documentation, trademarks, and logos—belongs solely to (Company Name) or its licensors. You are granted a limited, non-transferable, non-sublicensable license for legitimate business use. You are not permitted to copy, alter, reverse-engineer, sublicense, or exploit the platform without written consent. Any use of our branding or marketing resources requires prior written authorization.
Third-Party Services
Our services may include integrations with external providers such as banks, payment networks, logistics partners, analytics platforms, or CRM tools. We do not control these external providers and are not responsible for their practices, performance, or data policies. Your reliance on such integrations will be governed by the respective third-party terms, and any resulting damages or disruptions will be your sole responsibility.
Termination & Suspension
We may restrict, suspend, or permanently terminate your access to Services if you breach these Terms, engage in suspicious activities, or when required by regulatory or legal directives. Such suspension may be temporary or indefinite depending on circumstances. Upon termination, any pending settlements, obligations, or outstanding dues must be resolved. We may withhold funds during investigations or until matters are resolved.
Dispute Resolution
Disputes will first be handled by our internal support and dispute resolution team in an attempt to achieve amicable settlement. For chargeback-related matters, we will coordinate with acquiring banks and payment networks in line with standard protocols. If disputes remain unresolved, you may pursue legal action under the governing law and jurisdiction specified herein.
Limitation of Liability
To the maximum extent permitted by law, (Website Name) shall not be responsible for indirect, incidental, consequential, or special damages arising out of use or inability to access our Services. This includes loss of profits, revenue, or business opportunities. We do not guarantee uninterrupted access or error-free transaction processing at all times.
Indemnification
You agree to indemnify, defend, and hold harmless (Company Name), its employees, directors, and affiliates against all claims, liabilities, damages, costs, or legal expenses arising from your misuse of Services, breach of these Terms, or unlawful/fraudulent activities through your account.
Governing Law and Jurisdiction
These Terms are governed by the laws of India. Any legal disputes arising out of these Terms shall fall under the exclusive jurisdiction of the competent courts in India.
Force Majeure
We shall not be liable for any delay or non-performance caused by circumstances beyond our reasonable control, including but not limited to natural calamities, pandemics, wars, terrorism, cyberattacks, government restrictions, labor strikes, or technical breakdowns.
Amendments and Modifications
We may amend or revise these Terms at any time. Significant changes will be published on our website with a “Last Updated” date. Your continued use of the Services after modifications indicates acceptance of the revised Terms. It is your responsibility to review the Terms periodically.
Severability and Waiver
If any clause of these Terms is found invalid or unenforceable by a competent court, the remaining provisions will continue in effect. Failure to enforce any right or provision shall not be deemed as a waiver of our right to enforce it in the future.
Contact Information
For queries, complaints, or legal notices regarding these Terms, you can reach us at (mention email).