Welcome to (Website Name), operated by (Company Name). Your trust is important to us, and we value the opportunity to serve you. In this document, the terms “We,” “Our,” and “Us” refer to (Website Name), while “You,” “Your,” and “User” denote individuals or entities making use of our services. These Terms & Conditions set forth the rules and policies that govern your access to and use of our payment gateway services.

We recommend that you carefully review these Terms & Conditions before using our website. By continuing to use this platform, you signify your acceptance of these terms. If you do not agree with any part, you must refrain from using the services. Please note that we may update these terms from time to time, and continued use will constitute acceptance of such revisions.

Agreement to Terms

By accessing or using our platform, you confirm your acceptance of these Terms as well as our Privacy Policy. If you disagree with any provision, you must immediately discontinue use of our services.

Eligibility and Account Registration

To be eligible to access and use our services:

• You must have attained the age of 18 and possess the legal capacity to enter into binding agreements.
• You must operate a lawful business that complies with all applicable regulations.
• As part of onboarding, you are required to complete the KYC (Know Your Customer) process by providing valid business and identity documents.
• It is your sole duty to protect the confidentiality of your account login details. Any activity conducted through your account will be considered authorized by you unless proven otherwise.
• We reserve the exclusive right to approve or decline your application at our discretion.

Scope of Services

(Website Name) offers digital payment processing solutions that enable businesses to accept payments from customers through multiple methods, including credit cards, debit cards, UPI, net banking, and digital wallets. We provide integration options such as APIs and plugins for websites, mobile applications, and POS systems. Additional features may include payment links, subscriptions, invoicing, QR-based payments, and real-time transaction reports. Funds are settled directly to your verified bank account, and we may enhance, modify, or discontinue services as necessary.

We reserve the right to add, modify, or withdraw services at any time.

User Obligations

By using our platform, you agree to:

• Provide accurate, complete, and up-to-date business and financial details.
• Use the platform solely for lawful business purposes.
• Keep your login credentials and API keys secure and confidential.
• Promptly inform us of any unauthorized access, suspected fraud, or compromise of your account.

Fees and Settlement

The fees applicable to our Services are specified in your Merchant Agreement or visible in your Dashboard. We reserve the right to revise these fees, with prior notice, as required. Unless otherwise mentioned, all fees are exclusive of applicable taxes, and you are responsible for paying taxes to the relevant authorities. You remain liable for any chargebacks raised by customers, and refunds will be processed in accordance with our internal timelines and policies.

We reserve the right to update or change our fees at any time, and such changes will be communicated via email or your dashboard.

Prohibited Activities

You are strictly prohibited from using our Services for any transactions involving unlawful, fraudulent, or unauthorized activity. Prohibited use includes, but is not limited to, the sale or distribution of narcotics, adult content, gambling services, counterfeit goods, firearms, or any other products or services prohibited under applicable law. You must not attempt to manipulate the platform, bypass security measures, or exploit system vulnerabilities.

Any violation of this provision may result in immediate suspension of your account, withholding of funds, and could lead to legal action in accordance with applicable laws.

Risk Monitoring and Fraud Management

We employ real-time transaction monitoring, advanced fraud detection tools, and automated risk-scoring mechanisms to safeguard both merchants and customers. Transactions identified as potentially suspicious may be delayed, held for review, or reversed. In cases of confirmed fraudulent activity, we reserve the right to freeze or terminate your account, with or without prior notice. You agree to accept responsibility for chargebacks, financial losses, or regulatory penalties resulting from unlawful or high-risk activities carried out through your account.

Data Privacy and Security

We are committed to protecting both your data and that of your customers. Your privacy remains a top priority. All personal and transactional information collected through our Services is handled in accordance with applicable data protection laws and our Privacy Policy. We comply with PCI-DSS standards and employ strong encryption, authentication, and access controls to secure sensitive information. You consent to the use of your data for purposes such as payment processing, fraud prevention, technical improvements, and compliance with legal requirements. You must not store cardholder data on your systems unless explicitly permitted under applicable PCI regulations.

Intellectual Property

All intellectual property associated with the platform—including but not limited to software code, user interface design, brand name, trademarks, logos, written content, and documentation—remains the exclusive property of (Company Name) or its licensors. You are granted a limited, non-transferable, and non-sublicensable license to use the platform strictly for its intended business purpose. You may not copy, modify, reverse engineer, sublicense, or exploit any component of the platform without prior written approval. Any use of our brand assets or marketing materials requires prior written authorization.

Third-Party Services

Our platform may integrate with third-party providers such as banks, payment networks, logistics services, analytics tools, or customer relationship management platforms. We do not control these external services and disclaim responsibility for their performance, data handling practices, or service interruptions. Any damage or loss arising from the use of such integrations will be at your own risk and subject to the respective third-party terms and policies.

Termination & Suspension

We may suspend or terminate your access to the Services at any time if we determine that you have violated these Terms, engaged in suspicious activity, or if required by law or regulatory authorities. Such suspension may be temporary or permanent depending on the severity of the issue. Upon termination, all pending settlements, obligations, and dues must be fulfilled. We reserve the right to withhold your funds during an investigation or until the matter is resolved.

Dispute Resolution

In case of disputes, our internal support and dispute resolution team will first attempt to resolve the matter amicably. For transaction-related disputes, including chargebacks, we will work in coordination with acquiring banks and card networks in accordance with applicable procedures. If resolution is not achieved, you may pursue legal remedies under the governing law and jurisdiction defined below.

Limitation of Liability

To the extent permitted by law, (Website Name) shall not be liable for any indirect, incidental, special, or consequential damages arising from the use or inability to use our Services. This includes, but is not limited to, loss of revenue, business opportunities, or data. We do not guarantee uninterrupted operation or error-free processing of every transaction.

Indemnification

You agree to indemnify, defend, and hold harmless (Company Name), its affiliates, employees, and directors from any claims, damages, liabilities, losses, or legal costs that arise from your use or misuse of the Services, violation of these Terms, or any unlawful or fraudulent activity conducted through your account.

Governing Law and Jurisdiction

These Terms are governed by and interpreted under the laws of India. Any dispute arising out of or related to these Terms shall fall under the exclusive jurisdiction of the courts located in India.

Force Majeure

We will not be responsible for any delay or failure in performing our obligations under these Terms caused by events beyond our reasonable control. Such events may include natural disasters, pandemics, wars, terrorism, cyberattacks, system outages, labor strikes, or government-imposed restrictions.

Amendments and Modifications

We reserve the right to modify, update, or amend these Terms at any time. Any significant changes will be posted on our website with a revised “Last Updated” date. By continuing to use our Services following any updates, you agree to be bound by the modified Terms. It is your responsibility to review these Terms periodically.

Severability and Waiver

If any provision of these Terms is found invalid or unenforceable by a competent court, the remaining provisions shall continue in full force and effect. Failure to enforce any provision shall not be deemed a waiver of our right to enforce it in the future.

Contact Information

For questions, complaints, or legal notices, please contact us at (mention email).