Terms of Service

1. Acceptance of Agreement

By accessing or using the PezaPay website, payment gateway services, Pay-In API, Payout API, hosted payment pages, or any related services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you are entering into this agreement on behalf of a business or legal entity, you represent that you have the authority to bind that entity. If you do not agree to these Terms, you may not use our Services.

2. Description of Services

PezaPay provides a UPI-based payment collection and payout infrastructure for digital businesses, including but not limited to:

• Pay-In API: Accept customer payments via all major UPI applications (Google Pay, PhonePe, Paytm, BHIM, Amazon Pay UPI, CRED, WhatsApp Pay, and other UPI-enabled banking apps).
• Payout API: Automate merchant settlements, withdrawals, and mass disbursements via Bank Transfer, UPI Transfer, and USDT Transfer.
• Payment Links & Hosted Pages: Create shareable payment links and ready-to-use checkout pages without coding.
• Merchant Dashboard: Monitor transactions, manage settlements, and access analytics.

3. Merchant Onboarding & KYC

PezaPay offers a simplified onboarding process with No KYC Requirement for Standard Merchant Onboarding. However, we reserve the right to request additional verification or documentation for high-volume merchants, suspicious activities, or as required by applicable law or partner financial institutions. You agree to provide accurate, current, and complete information during registration.

4. Fees & Pricing

Our transparent fee structure is as follows:

• Pay-In Fee: 10% of the transaction amount collected from customers.
• Payout Fee: 10% of the payout amount disbursed to merchants or beneficiaries.
• No Setup Fee: No hidden monthly maintenance charges.
• USDT Conversion: Applicable exchange rates and processing fees may apply for USDT transfers.

PezaPay reserves the right to modify fees upon 15 days' prior notice via email or dashboard notification.

5. Payout Terms & Limits

Payouts are processed with industry-leading speed, typically within 10 minutes of request confirmation. The following minimum limits apply:

• Minimum INR Payout: ₹100 (One Hundred Indian Rupees)
• Minimum USDT Payout: 100 USDT

PezaPay may impose daily, weekly, or monthly payout limits based on merchant volume, risk assessment, or compliance requirements. We reserve the right to hold payouts for security review or fraud prevention.

6. Prohibited Businesses & Restricted Activities

The following business categories are strictly prohibited from using PezaPay Services:

• Illegal gambling or unlicensed betting platforms
• Adult content, pornography, or escort services
• Drugs, narcotics, or unlicensed pharmaceutical sales
• Weapons, ammunition, or explosive materials
• Pyramid schemes, Ponzi schemes, or high-yield investment programs (HYIPs)
• Counterfeit goods or intellectual property infringement
• Any activity violating Indian laws or international sanctions

PezaPay reserves the right to terminate any account engaged in prohibited activities without prior notice.

7. API Usage & Restrictions

Developers integrating PezaPay's APIs agree to:

• Use API credentials exclusively for authorized transactions
• Not share, distribute, or expose API keys or secrets publicly
• Implement appropriate security measures to protect customer data
• Not reverse-engineer, decompile, or attempt to extract source code
• Not exceed rate limits or attempt to disrupt service availability

PezaPay provides API documentation for legitimate integration purposes only. Unauthorized automated scraping or abusive usage may result in immediate suspension.

8. Limitation of Liability

To the maximum extent permitted by law, PezaPay and its affiliates, directors, employees, or partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the Services. Our total aggregate liability shall not exceed the total fees paid by you to PezaPay in the three (3) months preceding the event giving rise to the claim.

PezaPay provides Services "as is" and "as available" without warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee uninterrupted or error-free operation.

9. Termination & Suspension

Either party may terminate this agreement at any time for any reason with written notice. PezaPay may suspend or terminate your access immediately without liability if:

• You violate these Terms or applicable laws
• Your activity poses a security or fraud risk
• Required by regulatory authorities or financial partners

Upon termination, outstanding fees become immediately due, and pending payouts will be settled subject to final risk review.

10. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these Terms or the Services shall be subject to the exclusive jurisdiction of the courts in New Delhi, India. For disputes involving claims under ₹5,00,000, the parties agree to first attempt binding arbitration in accordance with the Arbitration and Conciliation Act, 1996.

11. Contact Information

For questions, complaints, or legal notices regarding these Terms, please contact us at:

PezaPay Legal Department
Email: [email protected]
Support: [email protected]
Address: PezaPay Technologies, Bengaluru, Karnataka, India

By using PezaPay's Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.