Terms & Conditions

Who these terms cover

"We", "us", "BizIndiapay" means Bhavi Lax Technologies & Utility Solutions Private Limited, a company incorporated in India with its registered office at 603, 6th Floor, Classic Accord Building, Near Anupam Cinema, Station Road, Goregaon East, Mumbai – 400063.

"You", "Partner" means the person or entity holding a BizIndiapay account at any tier — Retailer, Distributor or Super Distributor.

"Customer" means a walk-in end user you serve at your counter using the platform. A Customer has no account with us and no direct relationship with us.

"Services" means the facilities available in your dashboard, including Domestic Money Transfer (DMT), AEPS, mobile and DTH recharge, BBPS bill payments, credit card bill payment, insurance and LIC premium collection, flight booking, CMS collection, BizGateway, SmartWallet and Redeem & Payout.

"Partner Bank / Operator" means the bank, payment system participant, biller, telecom operator, airline, insurer or aggregator that actually performs a transaction you initiate.

Eligibility and onboarding

To open and keep an account you must:

• Be at least 18 years old and legally capable of entering into a contract under the Indian Contract Act, 1872.
• Operate a genuine business or counter at the address you register, and hold any licence, shop registration or GST registration that your activity requires.
• Complete our KYC checks, and re-verify whenever we or a Partner Bank asks. This may include PAN, Aadhaar, proof of address, photographs of your premises, bank account details and a video or in-person verification.
• Give information that is true, current and complete, and update it within 7 days of any change — particularly your address, mobile number, bank account and business ownership.

We may approve, decline, defer or reverse an onboarding decision at our discretion, without giving reasons, including where a Partner Bank declines to accept you. Approval at one tier does not entitle you to another.

Your account and credentials

Your login, password, PIN, OTP, biometric device registration and API keys are personal to you. You must not share them, sell them, or let anyone else transact on your account — including staff, family members or a Distributor above you.

You are responsible for every transaction performed with your credentials, whether or not you authorised it. Where we can show the credentials were used, the transaction is treated as yours.

Tell us immediately at info@bizindiapay.com or +91 88799 64465 if you suspect your account has been compromised. We will act on the report as quickly as we can, but we cannot reverse transactions already executed by a Partner Bank.

SmartWallet

Your SmartWallet is a prepaid balance you maintain with us to fund transactions. It is not a bank deposit, not a savings account, and not a Prepaid Payment Instrument issued to the public.

• No interest. Your balance does not earn interest, return or any benefit for being held.
• Funding. You may load the wallet by UPI, net banking, NEFT/IMPS or a fund request to your Distributor. Loads are credited once we receive confirmed settlement, not when you initiate them.
• Own funds only. You must load only from a bank account held in your own name and disclosed to us. Third-party loads may be frozen and returned to source.
• Debits. We debit the wallet for the transaction value, applicable fees and taxes at the moment you confirm a transaction. Commission is credited as described in clause 06.
• Negative balance. If your wallet goes negative for any reason — a reversal, a chargeback, a duplicate credit or an error — you must clear it immediately. We may set off the amount against commission due to you, against your security deposit, or against balances in the network above you.

We may place a hold on all or part of your balance while we investigate a suspected fraudulent, disputed or non-compliant transaction, or where a Partner Bank, regulator or law-enforcement agency directs us to.

How the Services work

You initiate a transaction; a Partner Bank or Operator performs it. We pass on the result we receive. A transaction is only complete when the Partner Bank or Operator confirms it as successful — not when your screen shows a request as submitted.

Availability

Services depend on systems we do not own. Bank downtime, NPCI maintenance, operator outages, network failure and connectivity loss at your counter will interrupt Services. We publish an uptime figure for our own platform; it does not cover Partner Bank or Operator availability.

Limits

Per-transaction, daily and monthly limits apply to each Service and each tier. Limits are set by us, by Partner Banks and by regulation, and may change without notice. We may lower your limits at any time based on your transaction pattern, KYC status or risk score.

AEPS and biometrics

For AEPS you must use a registered, STQC-certified biometric device. You must capture the Customer's fingerprint live, in the Customer's presence, with the Customer's informed consent, and for that single transaction only. You must never store, cache, photograph, replay or reuse a Customer's biometric data in any form.

Commission, fees and taxes

Your commission slab for each Service is shown in your dashboard. Slabs are indicative and may be revised by us at any time, including with retrospective effect where a Partner Bank or Operator revises the underlying rate paid to us.

• Commission accrues only on successful transactions. Failed and reversed transactions earn nothing, and any commission already credited on them will be recovered.
• Distributors and Super Distributors earn an override on transactions performed by the network below them, at the rate configured for their tier.
• Fees, convenience charges and taxes are debited at the time of the transaction and are shown before you confirm.
• GST, TDS and any other tax applies as required by law. We will deduct TDS where the law requires it and issue the corresponding certificate. You are responsible for your own tax registration, filing and liability.
• We may adjust, withhold or claw back commission that arose from a failed, reversed, disputed, duplicated, fraudulent or non-compliant transaction, or from a system error.

Payouts to your bank account are made through Redeem & Payout, subject to your KYC being current, your wallet being non-negative and no investigation being open on your account.

If you onboard other partners

Distributors and Super Distributors may onboard and manage partners below them. If you do:

• You must carry out KYC honestly and must not onboard a partner you know or suspect to be fronting for someone else.
• You are responsible for training your network on these terms, on limits, and on Customer consent for AEPS.
• You must not promise commission, income, territory or exclusivity beyond what is configured in your dashboard, and you must not describe BizIndiapay as a scheme offering guaranteed or passive income.
• You must not charge your network a joining fee, deposit or recruitment charge in our name without our written approval.
• You remain liable for negative balances and recoveries arising in the network you onboarded, and we may set these off against your commission.

A relationship with us is non-exclusive. Appointing you at any tier gives you no territorial monopoly, no minimum business guarantee, and no right to compensation if we appoint another partner nearby.

What you must not do

You must not use the platform to:

• Launder money, finance terrorism, or process proceeds of crime; or structure transactions to avoid thresholds or reporting.
• Transact for a Customer who refuses to identify themselves where identification is required, or who is on a sanctions or watch list.
• Transact on your own behalf disguised as Customer activity, or run round-trip transactions to farm commission.
• Charge a Customer more than the amount displayed, or levy an undisclosed charge in our name.
• Deal in cryptocurrency, gambling, betting, lottery, unlicensed forex, or any activity prohibited under Indian law.
• Copy, scrape, decompile, resell, sublicense or white-label the platform or our APIs without written permission.
• Use bots, emulators, rooted devices, virtual biometrics or any tool that spoofs a Customer's presence or fingerprint.
• Represent yourself as a bank, a banking correspondent of any bank we have not appointed you to, or as an employee of BizIndiapay.

Transaction disputes

Raise a dispute from your dashboard, quoting the transaction ID, within 7 days of the transaction. Late disputes may be rejected by the Partner Bank regardless of merit.

We will log the dispute, raise it with the Partner Bank or Operator, and share the outcome. We do not decide the outcome — the Partner Bank or Operator does, under its own rules and timelines.

Where a Customer disputes a transaction with their own bank and a chargeback is raised, the amount may be debited from your wallet pending the outcome. If the chargeback is upheld against you, the debit stands.

How refunds and reversals work in detail — including turnaround times — is set out in our Refund Policy, which forms part of these terms.

Suspension and termination

We may suspend or terminate your account, freeze your wallet, or withdraw any Service, immediately and without notice, if:

• You breach these terms, or we reasonably suspect fraud, collusion or misuse.
• Your KYC is incomplete, expired or found to be false.
• A Partner Bank, Operator, regulator, court or law-enforcement agency directs us to.
• Your account is dormant for 6 months or more.
• Your dispute, failure or chargeback rate is materially above the network norm.

You may close your account at any time by writing to us. Closure does not release you from liability for transactions already performed, negative balances, or recoveries in progress.

On termination we will pay out any undisputed balance after settling amounts you owe, deducting applicable tax, and holding back a reasonable amount for the chargeback window. Termination for fraud forfeits unpaid commission.

Our intellectual property

The BizIndiapay name, logo, "Success Starts Here", the dashboard, BizGateway, SmartWallet and everything we publish are our property or licensed to us. Nothing in these terms transfers ownership to you.

While your account is active you may use our brand only in the form and manner we approve, at your counter, to identify the Services you offer. You must stop using it entirely on termination.

Marks of Partner Banks, NPCI, UPI, RuPay, BBPS, operators and billers belong to them. Their appearance on our site indicates the networks we serve; it is not an endorsement of you and gives you no right to use those marks.

Disclaimers and limitation of liability

The platform is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we exclude all warranties not expressly stated here, including uninterrupted availability and fitness for a particular purpose.

We are not liable for:

• Acts, omissions, downtime, decisions or failures of a Partner Bank, Operator, biller, airline or aggregator.
• Loss caused by your own error — a wrong beneficiary account, a wrong number, a wrong amount, or a transaction you performed for a Customer who deceived you.
• Loss caused by sharing your credentials or biometric device.
• Indirect, incidental, special, punitive or consequential loss, or loss of profit, goodwill, business or anticipated commission.
• Events beyond our reasonable control, including regulatory change, network outage, power failure, strike, riot, flood, fire, epidemic or act of God.

Where we are found liable despite the above, our total aggregate liability to you for all claims in any 12-month period is limited to the total commission we paid you in the 3 months immediately preceding the event, or ₹10,000, whichever is lower.

Indemnity

You will indemnify and hold us, our directors, employees and Partner Banks harmless against any claim, loss, penalty, regulatory action or reasonable legal cost arising from your breach of these terms, your fraud or negligence, your misuse of Customer data or biometrics, your tax defaults, or any claim brought by a Customer you served.

Changes to these terms

We may amend these terms at any time. The current version always sits at this URL with its effective date at the top. Where a change materially affects you, we will notify you in your dashboard or by email or SMS.

Continuing to use the platform after a change means you accept it. If you do not accept a change, stop transacting and close your account.

Governing law and disputes with us

These terms are governed by the laws of India. Subject to the clause below, the courts at Mumbai, Maharashtra have exclusive jurisdiction.

Before going to court, both of us will try in good faith to settle any dispute within 30 days of written notice. If that fails, the dispute will be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996. The seat and venue is Mumbai and the language is English. The arbitrator's award is final and binding.

This clause does not stop either of us from seeking urgent interim relief from a court, or us from taking steps to recover a negative balance.

Grievance redressal

If something has gone wrong, raise it with our support team first — most issues are resolved there. If you are not satisfied, escalate to our Grievance Officer, appointed under the Information Technology Act, 2000 and the rules made under it.

We acknowledge every grievance within 48 hours and aim to close it within 15 days. Where a Partner Bank or Operator has to decide the outcome, we will tell you and keep you updated. Please quote your Partner ID and the transaction ID.