Terms & Conditions
Welcome to Return Pay. These Terms & Conditions govern your access to and use of our website, payment gateway, merchant services, and other digital payment solutions.
By registering an account, accessing our platform, or using any of our services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our services.
1. About Return Pay
Return Pay provides digital payment and payment-related technology solutions that may include payment collection, transaction processing, merchant services, and other financial technology services.
Certain services may be provided through authorized banking partners, payment processors, or other service providers and may be subject to additional terms and conditions.
2. Eligibility
To use Return Pay services, you must:
- Be legally eligible to use the applicable service
- Provide accurate, complete, and verifiable information
- Have the authority to enter into these Terms
- Comply with all applicable laws and regulations
- Not be prohibited from using payment or financial services
3. Account Registration
You may be required to create an account to access certain Return Pay services. You agree to provide accurate and updated information during registration and onboarding.
You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted through your account. You must notify us promptly if you suspect unauthorized access or misuse of your account.
4. Merchant and User Responsibilities
By using Return Pay, you agree to:
- Use the platform only for lawful and authorized purposes
- Provide genuine and accurate business, customer, and transaction information
- Keep your account and security credentials confidential
- Maintain appropriate records of your transactions
- Cooperate with verification, compliance, and security checks
- Use the services in accordance with applicable payment network and banking rules
5. Payment Processing and Transactions
Return Pay facilitates payment-related services through its platform and authorized service providers. Transaction processing may depend on banks, payment networks, payment processors, and other third-party systems.
- Transactions may be subject to verification and authorization
- Service charges or applicable fees may apply
- Transaction limits may be imposed based on the service or applicable regulations
- Transaction status may depend on confirmation from the relevant payment provider
- We may delay, reject, or suspend a transaction where required for security or compliance
6. Refunds, Cancellations, and Disputes
Refunds, cancellations, and transaction disputes will be handled in accordance with the applicable service terms, merchant policies, payment processor rules, and applicable laws.
Return Pay may assist in resolving transaction-related concerns, but the final outcome of a payment dispute may depend on the relevant bank, payment network, merchant, or payment processor.
7. Prohibited Activities
You must not use Return Pay services for:
- Fraudulent, deceptive, or unauthorized transactions
- Money laundering, terrorist financing, or other unlawful activities
- Activities involving prohibited goods or services
- Unauthorized access, hacking, or attempts to bypass security controls
- Submitting false, misleading, or forged information
- Any activity that violates applicable laws or payment network rules
8. KYC and Compliance
Depending on the services used, you may be required to complete identity verification, business verification, or other compliance procedures.
You agree to provide the information and documents reasonably required for verification. Failure to complete verification or provide accurate information may result in restricted access, suspension, or termination of services.
9. Fees and Charges
Applicable fees, charges, and transaction limits may vary depending on the services used. Any applicable charges will be communicated through the relevant service, agreement, dashboard, or other applicable documentation.
You are responsible for reviewing the applicable charges before using a paid service.
10. Data Privacy
Your personal and business information is collected and used in accordance with our Privacy Policy.
By using Return Pay services, you acknowledge that information may be processed by authorized service providers where necessary to provide services, maintain security, and comply with applicable legal and regulatory requirements.
11. Intellectual Property
All content, trademarks, logos, designs, software, and other materials available through Return Pay are owned by or licensed to Return Pay and are protected by applicable intellectual property laws.
You may not copy, reproduce, modify, distribute, or use our content or branding without prior written permission, except as permitted by law.
12. Service Availability
We aim to provide reliable and secure services, but we do not guarantee uninterrupted availability. Services may be temporarily unavailable due to maintenance, technical issues, network failures, or circumstances beyond our reasonable control.
13. Suspension and Termination
We may suspend, restrict, or terminate access to our services where reasonably necessary, including in cases of suspected fraud, security concerns, violation of these Terms, non-compliance, or legal requirements.
Where appropriate, we may provide notice of suspension or termination in accordance with applicable law and the relevant service agreement.
14. Limitation of Liability
To the extent permitted by applicable law, Return Pay will not be responsible for losses arising from:
- Incorrect or incomplete information provided by you
- Unauthorized use resulting from your failure to protect account credentials
- Delays or failures caused by banks, payment networks, or third-party providers
- Temporary service interruptions or technical issues beyond our reasonable control
- Any unlawful or unauthorized use of the platform
15. Indemnification
You agree to indemnify and hold Return Pay harmless, to the extent permitted by applicable law, from claims, losses, damages, liabilities, and reasonable expenses arising from your violation of these Terms, misuse of the services, or unlawful activities.
16. Changes to These Terms
We may update these Terms & Conditions from time to time to reflect changes in our services, business practices, or legal requirements.
Updated Terms will be published on this page. Your continued use of the services after changes are posted constitutes acceptance of the revised Terms.
17. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of India, subject to applicable laws and regulations.