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Airpay

Airpay

Terms and Conditions

We are pulling out all the stops to protect your business interest at all times.

This page states the Terms and Conditions under which you (Visitor) may visit this Web site https://mahaepay.airpay.co.in ( hereinafter referred to as Website. Please read this page carefully. If you do not accept the Terms and Conditions stated here, we would request you to exit the Website. Airpay, any of its business divisions and / or its subsidiaries, associate companies (in India or abroad) reserve their respective rights to revise these Terms and Conditions at any time by updating this post. You should visit this page periodically to re-appraise yourself of the Terms and Conditions, because they are binding on all Visitors of this Website. The Service is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein and otherwise provided throughout the site. In using this Website or the Services by AIRPAY, you are deemed to have read and agreed to the following Terms and Conditions.

The following definitions apply to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: "Client", "You" and "Your" refers to you, the person accessing this website i.e. the Visitor.

  • DEFINITIONS: AIRPAY refers to Airpay Payment Services Private Limited, a company incorporated under the provisions of Companies Act, 1956 having its registered office at 104, Sir Vithaldas Chambers, 16, Mumbai Samachar Marg, Fort,Mumbai-400023, Maharashtra, India, and includes its successors and assigns. AIRPAY owns and manages the Website https://mahaepay.airpay.co.in.
  • Service refers to the Payment Service and other services that may be offered by AIRPAY on this Website under this TERMS OF USE.
  • MERCHANT refers to the person or entity with whom AIRPAY has valid agreement for participation in the Service offered on this Website by Airpay.
  • Customer refers to the person or entity who have made payment to the Merchant using Airpays Payment Services.
  • Payment Account refers to any valid account / card of the Customer, including the bank accounts / card maintained and other payment instruments with any bank or financial instituion, from which the Customer has made payment to the Merchant, in consideration of goods and services purchased by the Customer.
  • Payment Instruction refers to instruction given by the Customer using the Service for effecting payments to Merchant.
  • Business Day means Monday through Friday, excluding Banking holidays.
  • Due Date refers to the date by which the Merchant should receive the payment of the bill.
  • Payment Date refers to the date the Merchant actually receive the payment of the bill after due processing of the Payment Instruction set up by a Customer.
  • Pay On Date or Scheduled Date refers to the date for which the Customer has scheduled the Payment Instruction(s) and also represents the last date before which the Customer can choose to cancel/modify his/her Payment Instruction(s).

COMMUNICATIONS:

You accept that AIRPAY shall be corresponding with you in an electronic mode and for which you have already consented by accessing this Website. Communication from AIRPAY shall be by means of an e-mail or by posting any notices on this Website. You agree and accept that all agreements, disclosures and any other communications that we shall provide you, satisfy all the legal requirements under the relevant statutes in India.

YOUR ACCOUNT, USERNAME AND PASSWORD:

AIRPAY does not warrant any safety or safeguarding of your account, username or password that you as a visitor has chosen; nonetheless AIRPAY shall take adequate precautions to prevent unauthorized accessors from accessing this site.

ELIGIBLE CUSTOMERS

In order to access and use the Service you must be an individual of at least 18 years of age who can enter into legally binding contracts under applicable law or a corporation, trust, association of persons or firm which can enter into legally binding contracts under applicable law. In case of a corporation, trust, association of persons or a firm, you must be authorised to agree to the TERMS OF USE and to access, use and avail of the Service. If you do not qualify, you shall not access or use the Service.

If you are not a Resident Indian, you may access, use and avail of the Service only to the extent that the laws of India and those of your country permit you to do so. Further, your use of the Service is based on the understanding and agreement that by accessing and using the Service, you may be violating the local laws in India and/or your country. You agree that you will be solely and absolutely liable for any liability incurred by you in this regard and you will indemnify AIRPAY against any liability incurred by AIRPAY in this regard.

Merchant REGISTRATION OBLIGATIONS

In consideration of your use of the Service, you agree to:

  • (a) provide true, accurate, current and complete information about yourself ("Registration Data"), your Payment accounts and Payment Instruction(s) ("Payment Data"), Merchant & payee details ("Authentication Data") and
  • (b) maintain and promptly update the Registration Data, Payment Data and Authentication Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Airpay has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Airpay has the right to suspend or terminate your account and refuse any and all current or future use of the Service provided on this website (or any portion thereof).

If you do not provide AIRPAY with accurate, complete and updated registration information, you are not authorized to use the service and your account may be terminated immediately. You further agree that, in providing such registration information, you will not knowingly or otherwise omit or misrepresent any material facts or information and that you will promptly enter correct and/or updated Registration Data via the Service, or otherwise advise us promptly in writing of any such changes or updates. You further consent and authorize AIRPAY to verify your Registration Data as may be required for your use of and access to the Service offered on this Website, as applicable

Merchant ACCOUNT, PASSWORD, AND SECURITY

To open an account, you must complete the registration process by providing us with your Registration Data You are responsible for maintaining the confidentiality of the Registration Data, Payment Data and Authentication Data, and are fully responsible and liable for all activities that occur under your password or account or Secret Key.

You agree to:

  • (a) immediately notify AIRPAY of any unauthorized use of your password or account or Secret Key or any other breach of security, and
  • (b) ensure that you exit / log-out from your account after every time you use the Website. Any transaction or activity pursuant to use of your account or password shall be deemed to be your transaction or activity and Airpay shall have no obligation to verify the authenticity of any such transaction or activity. Airpay does not assume any responsibility and cannot and will not be liable for any loss or damage arising from your negligence or failure to exit or log-out your account.

If you forget your password, you can request for a new password. On AIRPAY being satisfied of your identity (which satisfaction shall be entirely at the discretion of AIRPAY), AIRPAY shall communicate a new password to you at the e-mail address registered by you with AIRPAY. You shall be responsible for continuing to maintain this e-mail address. AIRPAY shall not be liable if it declines to furnish the password by reason of it not being satisfied as to your identity.

For your security reasons you have to change this new password as soon as it is received by you, and until then this password shall be deemed to be your password and you will be responsible and liable for all transactions or activities pursuant thereto. Upon generation of the new password, AIRPAY shall discontinue the use of the old password. However, you shall be responsible and liable for all transactions that are carried out by the use of the old password, till the time of discontinuation of the old password. Notwithstanding anything stated elsewhere in the TERMS OF USE, and despite correct use of your Merchant account and password, AIRPAY shall be entitled in its sole discretion (but shall not be bound) to seek offline and/or additional written or other confirmation from you of any instruction, transaction or activity as AIRPAY may deem fit.

USE

You are not allowed to modify, copy, distribute, transmit, display, reproduce, publish, license, sell or transfer any information contained in this site. Use does not mean usage of your username and password by person other than you whether knowingly or negligently. In case of use of your username and password by person other than you and which comes to the knowledge of AIRPAY, AIRPAY expressly reserves the right to terminate your use without assigning any reason and which shall be binding upon you. You may not access this Website and operate on any false e-mail id for the purpose of gaining access into this Website for your personal use.

Security Rules

You are prohibited from violating or attempting to violate the security of the Web site, including, without limitation, (1) accessing data not intended for such visitor or logging into a server or account which the visitor is not authorised to access, (2) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures (3) attempting to interfere with service to any visitor, host or network, including, without limitation, via means of submitting a virus or "Trojan horse" to the Web site, overloading, "flooding", "mail bombing" or "crashing", or (4) sending unsolicited electronic mail, including promotions and/or advertising of products or services. Violations of system or network security may result in civil or criminal liability. AIRPAY and / or its associate entities will have the right to investigate occurrences that they suspect as involving such violations and will have the right to involve, and cooperate with, law enforcement authorities in prosecuting visitors who are involved in such violations.

General Rules

You shall not use this Website in order to transmit, distribute, store or destroy material (a) that could constitute or encourage conduct that would be considered a criminal offence or violate any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy or publicity of other personal rights of others, or (c) that is libelous, defamatory, pornographic, profane, obscene, threatening, abusive or hateful.

Links to/from other Web Sites

This Website contains links to other third party websites. These links are provided solely as a convenience to you. Wherever such link/s may lead to sites which do not belong to AIRPAY, AIRPAY is not responsible for the content of linked sites and does not make any representations regarding the correctness or accuracy of the content on such third party websites. If you decide to access such linked third party websites, you do so at your own risk.

Similarly, this Website can be made accessible through a link created by other third party websites. Access to this Website through such link/s shall not mean or be deemed to mean that the objectives, aims, purposes, ideas, concepts of such other third party websites or their aim or purpose in establishing such link/s to this Website are necessarily the same or similar to the idea, concept, aim or purpose of this Website or that such links have been authorised by AIRPAY. We are not responsible for any representation/s of such other third party websites while affording such link and no liability can arise upon AIRPAY consequent to such representation, its correctness or accuracy. In the event that any link/s afforded by any third party website/s derogatory in nature to the objectives, aims, purposes, ideas and concepts of this Website is utilised to visit this Website and such event is brought to the notice or is within the knowledge of AIRPAY, civil or criminal remedies as may be appropriate shall be invoked.

You shall not create a link to any page of this Website without our prior written consent. If you do create a link to a page of this Website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this Website by linking to it.

CONFIGURATIONS AND MINIMUM ESSENTIALS:

AIRPAY does not expressly recommend any particular software, operating system, application to use and access this Website. If for any particular reason, the Website does not open or is unable to be displayed in full in the Visitor's computer, then AIRPAY shall not be held liable for any act, omission or commission that may occur because of the same. It shall be your responsibility and liability to keep your computer in consonance with the latest standards so as to access this site; though latest standards cannot be defined or categorized.

INTELLECTUAL PROPERTY RIGHTS:

All the Content displayed on this Website is the sole propriety and is in the exclusive right, title and ownership of AIRPAY. The copyright existing in the content on the Website as well as the Website itself is and shall always remain in the sole custody, possession, control and ownership of AIRPAY. Copyright for this purpose includes registered as well as non-registered copyright. Trade mark and domain name with of this Website also vests with AIRPAY. All the marks, logos, designs used in this Website are and shall always remain with AIRPAY. Trade marks that have been put for registration and non registeredtrade marks shall also be the sole propriety of AIRPAY. Any intellectual property rights arising as a result of makeover of any content provided by any Visitor, then intellectual property arising because of such makeover shall also vest with AIRPAY. The Visitor to this Website grants a royalty free, exclusive and transferable right to AIRPAY with respect of the content posted by him/her.

CONTESTS AND REWARDS:

AIRPAY may organise various contests / promotions for the Visitors of this Website. The Visitor participating in the contest / promotion offers might stand change to win the contest or avail the offer. As per the terms of respective contest or promotion, AIRPAY may give Prizes to the Winners of contest or promotion. AIRPAY reserves the right in its own discretion to select the winner or Visitor eligible to be awarded and which decision shall be full, final and binding on the participants. The award or offer given away by AIRPAY is not transferable and neither can be converted in cash. The Visitor will be notified by AIRPAY and only the participating visitor (himself / herself) shall be eligible to claim the same from AIRPAY.

The award or offer will be non-transferable, non-negotiable, subject to availability and there will be no cash alternative. AIRPAY reserves the right to substitute awards or offers of equal or greater value, at any time.

Income tax, gift tax or any other statutory taxes, duties or levies as may be applicable from time to time, arising out of the Prizes, shall be solely borne by the Winner for the respective Prize won.

VISITOR'S PRIVACY

It is Airpay's policy to respect the privacy of Visitors of this Website. Airpay may edit, or disclose any personal information about you or your use of the Service, including its contents, without your prior permission when Airpay has a good faith belief that such action is necessary to: (1)confirm to legal requirements or comply with legal process; (2) protect and defend the rights or property of Airpay; (3) enforce the TERMS OF USE; or (4) act to protect the interests of its visitors or others. Airpay does provide certain visitor's information in aggregate form to third parties, including its advertisers, for demographics. In addition, your Internet Protocol address is transmitted with each message sent from your account.

You agree that Airpay may access your account information, including its contents, as stated above or to respond to service or technical issues.

CUSTOMER'S PAYMENT INSTRUCTIONS

Customer's Payment Instruction(s) will be effected only after proper authentication in accordance with the prescribed procedure of Service.

The Payment Instruction(s) shall be processed in the manner as may be selected by customer while making the payment using airpay payment services.

It shall solely be your responsibility to make the payment of your purchase on the merchant website before due date. Airpay assumes no responsibility and shall incur no liability if it is unable to effect any Payment Instruction(s) on the Payment owing to any one or more of the following circumstances:

  1. If the Payment Details provided by you is/are incomplete, inaccurate, invalid or delayed.
  2. If the Customer's Account / Card / financial instrument has insufficient funds/limits to cover for the amount as mentioned in the Payment Instruction(s)
  3. If the funds available in the customer's Account / Card / fininacial instrument are under any encumbrance or charge by the bank or financial institution.
  4. If your Bank or financial institution refuses or delays honoring the Payment Instruction(s).
  5. Circumstances beyond the control of Airpay (including, but not limited to, fire, flood, earthquakes, natural disasters, bank strikes, power failures, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).

In case the payment is effected or successful, CUSTOMER will be intimated about the successful payment by an e-mail message sent to the email account specified by customer in that regard. Airpay assumes no responsibility beyond that of sending the intimation to you in this regard.

MODIFICATION OR CANCELLATION OF PAYMENT INSTRUCTIONS

Customer shall be entitled to cancel or modify the Payment or Payment Details respectively, in the manner specified on the Website, so however that such modification or cancellation is made by Customer specified in that regard. When customer place a request to cancel or modify the Payment, such instruction or transaction will only be cancelled if your request for cancellation is received and acted upon by before the processing of the transaction has been initiated from merchant's website

CHARGES/FEES

In order to use the Service, you may need to use third party services, either directly or indirectly. You will be liable to pay any service fees associated with such access. In addition, you must have all equipment necessary to make such connection to airpay, including a computer and modem or other access device.

In respect of the Services rendered to you, Airpay reserves the right to charge and recover from you certain charges/fees by debiting the Payment Account or by sending a bill to you for the amount of charges /fees. The charges / fees will vary based on the Payment Instructions or Payment Account and various charges required by the Law of the Land. You will be liable to pay these charges/fees by the date specified in that regard. Failure to pay such charges/fees on or before the specified date will render you liable for payment of interest at such rate as may be stipulated by Airpay and/or withdrawal of the Service without any liability to Airpay.

DISCLAIMER

AS PROVIDED ABOVE, ALL INFORMATION, TECHNOLOGY AND SERVICE PROVIDED SHALL, AT ALL TIMES, BE ON A "AS IS" AND "AS AVAILABLE" BASIS AND AIRPAY HEREBY STATES THAT ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE WEBSITE OR ITS OPERATION IS NOT UNDERTAKEN BY AIRPAY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AIRPAY DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. AIRPAY MAKES NO WARRANTY THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS, OR THAT THE WEBSITE SHALL BE UNINTERRUPTED, TIMELY, SECURE, freedom from computer virus OR ERROR FREE.

AIRPAY DOES NOT WARRANT OR MAKES ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE SERVICE IN TERMS OF ITS COMPATIBILITY, CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR ACCESS AND USE OF THE SERVICE.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

ALTHOUGH AIRPAY ADOPTS SECURITY MEASURES IT CONSIDERS APPROPRIATE FOR THE OFFER OF THIS SERVICE, IT DOES NOT ASSURE OR GUARANTEE THAT NO PERSON WILL OVERCOME OR SUBVERT THE SECURITY MEASURES AND GAIN UNAUTHORISED ACCESS TO THE SERVICE OR ANY CUSTOMER'S ACCOUNTS. AIRPAY SHALL NOT BE RESPONSIBLE OR LIABLE IF ANY UNAUTHORISED PERSON HACKS INTO OR GAINS ACCESS TO THE SERVICE OR TO YOUR ACCOUNTS; AND YOU SHALL BE LIABLE AND RESPONSIBLE FOR THE SAME.

THIS DISCLAIMER OF LIABILITY APPLIES ALSO TO ANY INJURY OR DAMAGE CAUSED BY ANY FAILURE OF PERFORMANCE, DELAY IN PROCESSING OR TRANSMISSION, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION.

AIRPAY SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED, OR NOT SENT OR NOT RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE. YOU SPECIFICALLY AGREE THAT AIRPAY IS NOT RESPONSIBLE FOR ANY CONTENT, DATA, INFORMATION SENT USING AND/OR INCLUDED IN THE SERVICE BY ANY THIRD PART.

LIMITATION OF LIABILITY

IN NO EVENT SHALL AIRPAY OR ANY OF THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR AFFILIATES BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT OF THIS SUBSCRIPTION AGREEMENT OR (i) THE USE OF OR INABILITY TO USE ANY SERVICE,; (II) THE PROVISION OF OR FAILURE TO PROVIDE SERVICES (III) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (IV) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (V) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (VI) ANY OTHER MATTER RELATING TO THE SERVICE; WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF AIRPAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE EXTENT POSSIBLE, THE DISCLAIMERS, LIMITATIONS ON LIABILITY AND INDEMNITIES AVAILABLE TO AIRPAY UNDER THE TERMS OF USE SHALL EXTEND, MUTATIS MUTANDIS, TO THE AFFILIATES AND PARTNERS OF AIRPAY AND THEIR RESPECTIVE DIRECTORS, PARTNERS, OFFICERS, EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, INVOLVED IN PROVIDING, DELIVERING OR MANAGING THE SERVICE (OR ANY PART THEREOF).

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE AND ITS RELATED WEB SITES.

INDEMNIFICATION

You hereby agree to indemnify and hold AIRPAY , its agents, contractors, members, subsidiaries, affiliates, service providers, syndicators, distributors, licensors, officers, Partners and employees, harmless from any loss suffered by AIRPAY as a result of a breach of the terms and conditions of this agreement by you and from any claim brought by third parties alleging that use of the Service by you or under your account has infringed any intellectual property or other right of any kind, or any applicable laws or regulation. You shall pay all costs, damages, awards, fees (including legal fees) and judgments awarded against AIRPAY arising from such claims, and shall provide AIRPAY with notice of such claims, full authority to defend, compromise or settle such claims and reasonable assistance necessary to defend such claims, at your sole expense.

WAIVER :

No failure or delay by AIRPAY in enforcing any provision, exercising any option or requiring performance, shall be construed to be a waiver of that or any other right in connection with this Agreement.

NON-TRANSFERABILITY

You agree that the Service provided to you is not transferable under any circumstance and shall be used only by you. You further acknowledge, agree and confirm that AIRPAY shall have the right to transfer, assign or sell all its rights under this TERMS OF USE, and that the Mandate given by you in favour of AIRPAY shall continue to be in force and enure for the benefit of the successors and assigns of AIRPAY

SEVERABILITY

If any provision of this Agreement is invalid or unenforceable under applicable law, it is, to that extent, deemed omitted and the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

NOTICES, TRANSACTION RECORDS AND ELECTRONIC DISCLOSURES

Notices to you may be made via either email or by delivery by hand /regular mail to the address provided by you. AIRPAY may be required to provide to you certain disclosures and notices, which are mandated by various laws and rules and transaction related notifications such as receipt of bill details, payment advices, payment return advices etc. You acknowledge and agree to receive all such disclosures and notifications electronically, which, in most cases, will be done through the Internet. If, for any reason, you do not wish to receive the disclosures electronically, you must advise AIRPAY immediately. In such an event, AIRPAY reserves the right to discontinue/terminate the provision of the Service to you, in whole or in part.

You acknowledge that Airpay shall have no liability or obligation to keep a record of the transactions carried through the Service and/or to provide information to you or for verifying your Payment Instructions, other than records required to be kept or information required to be provided statutorily by Airpay.

You acknowledge that Airpay does not pre-screen the data presented by Payees(s), but that Airpay shall have the right (but not the obligation) in its sole discretion to refuse or curtail any content/data that is available via the Service. Without limiting the foregoing, Airpay shall have the right to remove any content/data that violates the TERMS OF USE or is otherwise in violation of any contract entered into by Airpay. You agree that you must evaluate, and bear all risks associated with, the use of any content/data, including any reliance on the accuracy, completeness, or usefulness of such content/data.

GOVERNING LAW

The laws of India govern these terms and conditions. In case of any dispute, the dispute shall be settled by Arbitration as per the provisions of Arbitration and Conciliation Act, 1996. Subject to Arbitration, the courts of Mumbai shall have exclusive jurisdiction.

Airpay accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. The mere fact that you are in a country other than India accesses the Service does not imply that the laws of that country govern these terms and conditions or the use of the Service.

TERMS & CONDITIONS

We're pulling out all the stops to protect your business interest at all times.

This page states the Terms and Conditions under which you (Visitor) may visit this Web site http: www.airpay.co.in ( hereinafter referred to as 'Website'. Please read this page carefully. If you do not accept the Terms and Conditions stated here, we would request you to exit the Website. Airpay, any of its business divisions and / or its subsidiaries, associate companies (in India or abroad) reserve their respective rights to revise these Terms and Conditions at any time by updating this post. You should visit this page periodically to re-appraise yourself of the Terms and Conditions, because they are binding on all Visitors of this Website. The Service is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. In using this Website or the Services by AIRPAY, you are deemed to have read and agreed to the following Terms and Conditions.

The following definitions apply to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements:

"Client", "You" and "Your" refers to you, the person accessing this website i.e. the Visitor.

  • DEFINITIONS: AIRPAY refers to 'Airpay Payment Services Private Limited', a company incorporated under the provisions of Companies Act, 1956 having its registered office at 104, Sir Vithaldas Chambers, 16, Mumbai Samachar Marg, Fort,Mumbai-400023, Maharashtra, India, and includes its successors and assigns. AIRPAY owns and manages the Website http: www.airpay.co.in.

  • 'Service' refers to the Payment Service and other services that may be offered by AIRPAY on this Website under this TERMS OF USE.

  • MERCHANT refers to the person or entity with whom AIRPAY has valid agreement for participation in the Service offered on this Website by Airpay.

  • Customer refers to the person or entity who have made payment to the Merchant using Airpay's Payment Services.

  • Payment Account refers to any valid account / card of the Customer, including the bank accounts / card maintained and other payment instruments with any bank or financial instituion, from which the Customer has made payment to the Merchant, in consideration of goods and services purchased by the Customer.

  • Payment Instruction refers to instruction given by the Customer using the Service for effecting payments to Merchant.

  • Business Day means Monday through Friday, excluding Banking holidays.

  • Due Date refers to the date by which the Merchant should receive the payment of the bill.

  • Payment Date refers to the date the Merchant actually receive the payment of the bill after due processing of the Payment Instruction set up by a Customer.

  • Pay On Date or Scheduled Date refers to the date for which the Customer has scheduled the Payment Instruction(s) and also represents the last date before which the Customer can choose to cancel/modify his/her Payment Instruction(s).

  • COMMUNICATIONS:

    You accept that AIRPAY shall be corresponding with you in an electronic mode and for which you have already consented by accessing this Website. Communication from AIRPAY shall be by means of an e-mail or by posting any notices on this Website. You agree and accept that all agreements, disclosures and any other communications that we shall provide you, satisfy all the legal requirements under the relevant statutes in India.

  • YOUR ACCOUNT, USERNAME AND PASSWORD:

    AIRPAY does not warrant any safety or safeguarding of your account, username or password that you as a visitor has chosen; nonetheless AIRPAY shall take adequate precautions to prevent unauthorized accessors from accessing this site.

  • ELIGIBLE CUSTOMERS

    In order to access and use the Service you must be an individual of at least 18 years of age who can enter into legally binding contracts under applicable law or a corporation, trust, association of persons or firm which can enter into legally binding contracts under applicable law. In case of a corporation, trust, association of persons or a firm, you must be authorised to agree to the TERMS OF USE and to access, use and avail of the Service. If you do not qualify, you shall not access or use the Service.

    If you are not a Resident Indian, you may access, use and avail of the Service only to the extent that the laws of India and those of your country permit you to do so. Further, your use of the Service is based on the understanding and agreement that by accessing and using the Service, you may be violating the local laws in India and/or your country. You agree that you will be solely and absolutely liable for any liability incurred by you in this regard and you will indemnify AIRPAY against any liability incurred by AIRPAY in this regard.

  • Merchant REGISTRATION OBLIGATIONS

    In consideration of your use of the Service, you agree to:

    (a) provide true, accurate, current and complete information about yourself ("Registration Data"), your Payment accounts and Payment Instruction(s) ("Payment Data"), Merchant & payee details ("Authentication Data") and

    (b) maintain and promptly update the Registration Data, Payment Data and Authentication Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Airpay has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Airpay has the right to suspend or terminate your account and refuse any and all current or future use of the Service provided on this website (or any portion thereof).

    If you do not provide AIRPAY with accurate, complete and updated registration information, you are not authorized to use the service and your account may be terminated immediately. You further agree that, in providing such registration information, you will not knowingly or otherwise omit or misrepresent any material facts or information and that you will promptly enter correct and/or updated Registration Data via the Service, or otherwise advise us promptly in writing of any such changes or updates. You further consent and authorize AIRPAY to verify your Registration Data as may be required for your use of and access to the Service offered on this Website, as applicable

  • Merchant ACCOUNT, PASSWORD, AND SECURITY

    To open an account, you must complete the registration process by providing us with your Registration Data You are responsible for maintaining the confidentiality of the Registration Data, Payment Data and Authentication Data, and are fully responsible and liable for all activities that occur under your password or account or Secret Key.

    You agree to:

    (a) immediately notify AIRPAY of any unauthorized use of your password or account or Secret Key or any other breach of security, and

    (b) ensure that you exit / log-out from your account after every time you use the Website. Any transaction or activity pursuant to use of your account or password shall be deemed to be your transaction or activity and Airpay shall have no obligation to verify the authenticity of any such transaction or activity. Airpay does not assume any responsibility and cannot and will not be liable for any loss or damage arising from your negligence or failure to exit or log-out your account.

    If you forget your password, you can request for a new password. On AIRPAY being satisfied of your identity (which satisfaction shall be entirely at the discretion of AIRPAY), AIRPAY shall communicate a new password to you at the e-mail address registered by you with AIRPAY. You shall be responsible for continuing to maintain this e-mail address. AIRPAY shall not be liable if it declines to furnish the password by reason of it not being satisfied as to your identity.

    For your security reasons you have to change this new password as soon as it is received by you, and until then this password shall be deemed to be your password and you will be responsible and liable for all transactions or activities pursuant thereto. Upon generation of the new password, AIRPAY shall discontinue the use of the old password. However, you shall be responsible and liable for all transactions that are carried out by the use of the old password, till the time of discontinuation of the old password.

    Notwithstanding anything stated elsewhere in the TERMS OF USE, and despite correct use of your Merchant account and password, AIRPAY shall be entitled in its sole discretion (but shall not be bound) to seek offline and/or additional written or other confirmation from you of any instruction, transaction or activity as AIRPAY may deem fit.

  • USE

    You are not allowed to modify, copy, distribute, transmit, display, reproduce, publish, license, sell or transfer any information contained in this site. Use does not mean usage of your username and password by person other than you whether knowingly or negligently. In case of use of your username and password by person other than you and which comes to the knowledge of AIRPAY, AIRPAY expressly reserves the right to terminate your use without assigning any reason and which shall be binding upon you. You may not access this Website and operate on any false e-mail id for the purpose of gaining access into this Website for your personal use.

  • Security Rules
  • You are prohibited from violating or attempting to violate the security of the Web site, including, without limitation, (1) accessing data not intended for such visitor or logging into a server or account which the visitor is not authorised to access, (2) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures (3) attempting to interfere with service to any visitor, host or network, including, without limitation, via means of submitting a virus or "Trojan horse" to the Web site, overloading, "flooding", "mail bombing" or "crashing", or (4) sending unsolicited electronic mail, including promotions and/or advertising of products or services. Violations of system or network security may result in civil or criminal liability. AIRPAY and / or its associate entities will have the right to investigate occurrences that they suspect as involving such violations and will have the right to involve, and cooperate with, law enforcement authorities in prosecuting visitors who are involved in such violations.

  • General Rules

    You shall not use this Website in order to transmit, distribute, store or destroy material (a) that could constitute or encourage conduct that would be considered a criminal offence or violate any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy or publicity of other personal rights of others, or (c) that is libelous, defamatory, pornographic, profane, obscene, threatening, abusive or hateful.

  • Links to/from other Web Sites

    This Website contains links to other third party websites. These links are provided solely as a convenience to you. Wherever such link/s may lead to sites which do not belong to AIRPAY, AIRPAY is not responsible for the content of linked sites and does not make any representations regarding the correctness or accuracy of the content on such third party websites. If you decide to access such linked third party websites, you do so at your own risk.

    Similarly, this Website can be made accessible through a link created by other third party websites. Access to this Website through such link/s shall not mean or be deemed to mean that the objectives, aims, purposes, ideas, concepts of such other third party websites or their aim or purpose in establishing such link/s to this Website are necessarily the same or similar to the idea, concept, aim or purpose of this Website or that such links have been authorised by AIRPAY. We are not responsible for any representation/s of such other third party websites while affording such link and no liability can arise upon AIRPAY consequent to such representation, its correctness or accuracy. In the event that any link/s afforded by any third party website/s derogatory in nature to the objectives, aims, purposes, ideas and concepts of this Website is utilised to visit this Website and such event is brought to the notice or is within the knowledge of AIRPAY, civil or criminal remedies as may be appropriate shall be invoked.

    You shall not create a link to any page of this Website without our prior written consent. If you do create a link to a page of this Website you do so at your own risk and the exclusions and limitations set out above will apply to your use of this Website by linking to it.

  • CONFIGURATIONS AND MINIMUM ESSENTIALS:

    AIRPAY does not expressly recommend any particular software, operating system, application to use and access this Website. If for any particular reason, the Website does not open or is unable to be displayed in full in the Visitor's computer, then AIRPAY shall not be held liable for any act, omission or commission that may occur because of the same. It shall be your responsibility and liability to keep your computer in consonance with the latest standards so as to access this site; though latest standards cannot be defined or categorized.

  • INTELLECTUAL PROPERTY RIGHTS:

    All the Content displayed on this Website is the sole propriety and is in the exclusive right, title and ownership of AIRPAY. The copyright existing in the content on the Website as well as the Website itself is and shall always remain in the sole custody, possession, control and ownership of AIRPAY. Copyright for this purpose includes registered as well as non-registered copyright. Trade mark and domain name with of this Website also vests with AIRPAY. All the marks, logos, designs used in this Website are and shall always remain with AIRPAY. Trade marks that have been put for registration and non registeredtrade marks shall also be the sole propriety of AIRPAY. Any intellectual property rights arising as a result of makeover of any content provided by any Visitor, then intellectual property arising because of such makeover shall also vest with AIRPAY. The Visitor to this Website grants a royalty free, exclusive and transferable right to AIRPAY with respect of the content posted by him/her.

  • CONTESTS AND REWARDS:

    AIRPAY may organise various contests / promotions for the Visitors of this Website. The Visitor participating in the contest / promotion offers might stand change to win the contest or avail the offer. As per the terms of respective contest or promotion, AIRPAY may give Prizes to the Winners of contest or promotion. AIRPAY reserves the right in its own discretion to select the winner or Visitor eligible to be awarded and which decision shall be full, final and binding on the participants. The award or offer given away by AIRPAY is not transferable and neither can be converted in cash. The Visitor will be notified by AIRPAY and only the participating visitor (himself / herself) shall be eligible to claim the same from AIRPAY.

    The award or offer will be non-transferable, non-negotiable, subject to availability and there will be no cash alternative. AIRPAY reserves the right to substitute awards or offers of equal or greater value, at any time.

    Income tax, gift tax or any other statutory taxes, duties or levies as may be applicable from time to time, arising out of the Prizes, shall be solely borne by the Winner for the respective Prize won.

  • VISITOR'S PRIVACY

    It is Airpay policy to respect the privacy of Visitors of this Website. Airpay may edit, or disclose any personal information about you or your use of the Service, including its contents, without your prior permission when Airpay has a good faith belief that such action is necessary to: (1)confirm to legal requirements or comply with legal process; (2) protect and defend the rights or property of Airpay; (3) enforce the TERMS OF USE; or (4) act to protect the interests of its visitors or others. Airpay does provide certain visitor's information in aggregate form to third parties, including its advertisers, for demographics. In addition, your Internet Protocol address is transmitted with each message sent from your account.

    You agree that Airpay may access your account information, including its contents, as stated above or to respond to service or technical issues.

  • CUSTOMER'S PAYMENT INSTRUCTIONS

    Customer's Payment Instruction(s) will be effected only after proper authentication in accordance with the prescribed procedure of Service.

    The Payment Instruction(s) shall be processed in the manner as may be selected by customer while making the payment using airpay payment services.

    It shall solely be your responsibility to make the payment of your purchase on the merchant website before due date. Airpay assumes no responsibility and shall incur no liability if it is unable to effect any Payment Instruction(s) on the Payment owing to any one or more of the following circumstances:

    1. If the Payment Details provided by you is/are incomplete, inaccurate, invalid or delayed.
    2. If the Customer's Account / Card / financial instrument has insufficient funds/limits to cover for the amount as mentioned in the Payment Instruction(s)
    3. If the funds available in the customer's Account / Card / fininacial instrument are under any encumbrance or charge by the bank or financial institution.
    4. If your Bank or financial institution refuses or delays honoring the Payment Instruction(s).
    5. Circumstances beyond the control of Airpay (including, but not limited to, fire, flood, earthquakes, natural disasters, bank strikes, power failures, systems failure like computer or telephone lines breakdown due to an unforeseeable cause or interference from an outside force).

    In case the payment is effected or successful, CUSTOMER will be intimated about the successful payment by an e-mail message sent to the email account specified by customer in that regard. Airpay assumes no responsibility beyond that of sending the intimation to you in this regard.

  • MODIFICATION OR CANCELLATION OF PAYMENT INSTRUCTIONS

    Customer shall be entitled to cancel or modify the Payment or Payment Details respectively, in the manner specified on the Website, so however that such modification or cancellation is made by Customer specified in that regard. When customer place a request to cancel or modify the Payment, such instruction or transaction will only be cancelled if your request for cancellation is received and acted upon by before the processing of the transaction has been initiated from merchant's website

  • CHARGES/FEES

    In order to use the Service, you may need to use third party services, either directly or indirectly. You will be liable to pay any service fees associated with such access. In addition, you must have all equipment necessary to make such connection to airpay, including a computer and modem or other access device.

    In respect of the Services rendered to you, Airpay reserves the right to charge and recover from you certain charges/fees by debiting the Payment Account or by sending a bill to you for the amount of charges /fees. The charges / fees will vary based on the Payment Instructions or Payment Account and various charges required by the Law of the Land. You will be liable to pay these charges/fees by the date specified in that regard. Failure to pay such charges/fees on or before the specified date will render you liable for payment of interest at such rate as may be stipulated by Airpay and/or withdrawal of the Service without any liability to Airpay.

  • DISCLAIMER

    AS PROVIDED ABOVE, ALL INFORMATION, TECHNOLOGY AND SERVICE PROVIDED SHALL, AT ALL TIMES, BE ON A "AS IS" AND "AS AVAILABLE" BASIS AND AIRPAY HEREBY STATES THAT ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE WEBSITE OR ITS OPERATION IS NOT UNDERTAKEN BY AIRPAY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AIRPAY DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. AIRPAY MAKES NO WARRANTY THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS, OR THAT THE WEBSITE SHALL BE UNINTERRUPTED, TIMELY, SECURE, freedom from computer virus OR ERROR FREE.

    AIRPAY DOES NOT WARRANT OR MAKES ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE SERVICE IN TERMS OF ITS COMPATIBILITY, CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR ACCESS AND USE OF THE SERVICE.

    ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

    ALTHOUGH AIRPAY ADOPTS SECURITY MEASURES IT CONSIDERS APPROPRIATE FOR THE OFFER OF THIS SERVICE, IT DOES NOT ASSURE OR GUARANTEE THAT NO PERSON WILL OVERCOME OR SUBVERT THE SECURITY MEASURES AND GAIN UNAUTHORISED ACCESS TO THE SERVICE OR ANY CUSTOMER'S ACCOUNTS. AIRPAY SHALL NOT BE RESPONSIBLE OR LIABLE IF ANY UNAUTHORISED PERSON HACKS INTO OR GAINS ACCESS TO THE SERVICE OR TO YOUR ACCOUNTS; AND YOU SHALL BE LIABLE AND RESPONSIBLE FOR THE SAME.

    THIS DISCLAIMER OF LIABILITY APPLIES ALSO TO ANY INJURY OR DAMAGE CAUSED BY ANY FAILURE OF PERFORMANCE, DELAY IN PROCESSING OR TRANSMISSION, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION.

    AIRPAY SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED, OR NOT SENT OR NOT RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE. YOU SPECIFICALLY AGREE THAT AIRPAY IS NOT RESPONSIBLE FOR ANY CONTENT, DATA, INFORMATION SENT USING AND/OR INCLUDED IN THE SERVICE BY ANY THIRD PART.

  • LIMITATION OF LIABILITY

    IN NO EVENT SHALL AIRPAY OR ANY OF THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR AFFILIATES BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, DIRECT, INDIRECT, SPECIAL, PUNITIVE, OR OTHER DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION, OR OTHER PECUNIARY LOSS) ARISING OUT OF THIS SUBSCRIPTION AGREEMENT OR (i) THE USE OF OR INABILITY TO USE ANY SERVICE,; (II) THE PROVISION OF OR FAILURE TO PROVIDE SERVICES (III) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (IV) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (V) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (VI) ANY OTHER MATTER RELATING TO THE SERVICE; WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF AIRPAY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

    TO THE EXTENT POSSIBLE, THE DISCLAIMERS, LIMITATIONS ON LIABILITY AND INDEMNITIES AVAILABLE TO AIRPAY UNDER THE TERMS OF USE SHALL EXTEND, MUTATIS MUTANDIS, TO THE AFFILIATES AND PARTNERS OF AIRPAY AND THEIR RESPECTIVE DIRECTORS, PARTNERS, OFFICERS, EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, INVOLVED IN PROVIDING, DELIVERING OR MANAGING THE SERVICE (OR ANY PART THEREOF).

    IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE AND ITS RELATED WEB SITES.

  • INDEMNIFICATION

    You hereby agree to indemnify and hold AIRPAY , its agents, contractors, members, subsidiaries, affiliates, service providers, syndicators, distributors, licensors, officers, Partners and employees, harmless from any loss suffered by AIRPAY as a result of a breach of the terms and conditions of this agreement by you and from any claim brought by third parties alleging that use of the Service by you or under your account has infringed any intellectual property or other right of any kind, or any applicable laws or regulation. You shall pay all costs, damages, awards, fees (including legal fees) and judgments awarded against AIRPAY arising from such claims, and shall provide AIRPAY with notice of such claims, full authority to defend, compromise or settle such claims and reasonable assistance necessary to defend such claims, at your sole expense.

  • WAIVER :

    No failure or delay by AIRPAY in enforcing any provision, exercising any option or requiring performance, shall be construed to be a waiver of that or any other right in connection with this Agreement.

  • NON-TRANSFERABILITY

    You agree that the Service provided to you is not transferable under any circumstance and shall be used only by you. You further acknowledge, agree and confirm that AIRPAY shall have the right to transfer, assign or sell all its rights under this TERMS OF USE, and that the Mandate given by you in favour of AIRPAY shall continue to be in force and enure for the benefit of the successors and assigns of AIRPAY

  • SEVERABILITY

    If any provision of this Agreement is invalid or unenforceable under applicable law, it is, to that extent, deemed omitted and the remaining provisions will continue in full force and effect. The invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision.

  • NOTICES, TRANSACTION RECORDS AND ELECTRONIC DISCLOSURES

    Notices to you may be made via either email or by delivery by hand /regular mail to the address provided by you. AIRPAY may be required to provide to you certain disclosures and notices, which are mandated by various laws and rules and transaction related notifications such as receipt of bill details, payment advices, payment return advices etc. You acknowledge and agree to receive all such disclosures and notifications electronically, which, in most cases, will be done through the Internet. If, for any reason, you do not wish to receive the disclosures electronically, you must advise AIRPAY immediately. In such an event, AIRPAY reserves the right to discontinue/terminate the provision of the Service to you, in whole or in part.

    You acknowledge that Airpay shall have no liability or obligation to keep a record of the transactions carried through the Service and/or to provide information to you or for verifying your Payment Instructions, other than records required to be kept or information required to be provided statutorily by Airpay.

    You acknowledge that Airpay does not pre-screen the data presented by Payees(s), but that Airpay shall have the right (but not the obligation) in its sole discretion to refuse or curtail any content/data that is available via the Service. Without limiting the foregoing, Airpay shall have the right to remove any content/data that violates the TERMS OF USE or is otherwise in violation of any contract entered into by Airpay. You agree that you must evaluate, and bear all risks associated with, the use of any content/data, including any reliance on the accuracy, completeness, or usefulness of such content/data.

  • GOVERNING LAW

    The laws of India govern these terms and conditions. In case of any dispute, the dispute shall be settled by Arbitration as per the provisions of Arbitration and Conciliation Act, 1996. Subject to Arbitration, the courts of Mumbai shall have exclusive jurisdiction.

    Airpay accepts no liability whatsoever, direct or indirect for non-compliance with the laws of any country other than that of India. The mere fact that you are in a country other than India accesses the Service does not imply that the laws of that country govern these terms and conditions or the use of the Service.

FAQ

We have anticipated certain things you might want to know
What is Airpay Offering?
We provide a broad range of payment services including online, face-to-face and regular payment.

We're active in the development and implementation of anti-fraud systems which have helped protect businesses around the globe.
Will I be able to accept payment online using airpay?
YES, once you have a merchant account.
Will I able to accept all credit, debit cards and netbanking?
Online Payment system includes debit cards, credit card and NetBanking. We accept all major Visa & MasterCards.

Click here to view the list of Banks available on airpay NetBanking Platform.
Will I able to accept payment via internet netbanking?
Yes, you will be to accept online payment via net-banking, where customer can pay using their bank account.

Click here to know the list of NetBanking supported by Airpay.
How do I accept payment over the phone using IVR?
With airpay IVR system, you can let your customers pay over the phone. IVR is short for Interactive Voice Response, which refers to an automated system that customers can use to send or receive information. You have the option of integrating self help or agent assisted model, with our IVR modules
Will I be able to accept payment from walk-in customer, using mobile POS?
Yes, with airpay Mobile POS Solution, you will be able to offer your customers with a card payment alternative, you are increasing their payment options and your likeliness of getting paid.

You will be able to accept all type of debit and credit cards from walk-in customer.

Make everyone a sales agent!
How do I register or sign-up for airpay account? OR What will I have to do to get airpay account?
It's simple to get airpay account. On the home page, click on sign-up. Enter the necessary details and get started.

Once you submit your completed application form to airpay, we will get the necessary approvals from the Banks, to enable you start transacting offline & online.
Why should I give my KYC documents to airpay?
KYC is an acronym for "Know your Customer", a term used for customer identification process. It involves making reasonable efforts to determine true identity and beneficial ownership of accounts, source of funds and the nature of your business.

Reserve Bank of India has issued guidelines to under Section 35A of the Banking Regulation Act. To carry a KYC for all merchants accepting payments in offline & online medium
What KYC document I need to provide to get airpay account?
There are two aspects of KYC, one is establishing identity and the other is establishing present residential address.

The documents required for KYC differs bas on the type of company / account eg. Individuals, Companies, Partnership Firms, Trusts & Foundations and Proprietorship Concerns.

Click here to view the list of KYC Document required by each entity.

How much time till will it take to start accepting payment from customer?

Online Registration + Agreement Signing + Submission of KYC + approval from the banks, all this can be achieved in 7 working days you're your co operation,

Our endeavor, is to make the merchant go live at the earliest, to setup the live account and start accepting payments from customer.
Do I need a website to accept payments online?
For Online accepting of Debit, Credit Cards & Net Banking, you need an online identity.

However if you are an SME, you can use our Mobile POS solution, where you DO NOT need an website.
Do I need a website to accept payments via IVR?
No, for IVR payments you do not need a website or online presence. When customer wants to make payment, you can conference him with airpay IVR Payment Number, the customer will provide the payment details to airpay over the Phone.
Do I need to have technical or programming knowledge to use online payment gateway?
It's a very simple integration, your tech support team, will be able to integrate with the airpay payment solutions.

This assistance through airpay is free of charge and toll-free.
Do I need to have technical or programming knowledge to use IVR payment Channel?
You just need to conference the customer with airpay IVR line, to accept payment via debit or credit card. You do not need any technical knowledge, as the airpay will host the IVR setup for you.
Which are the programming platforms supported by airpay for online payment gateway?
Virtually any programming language can be used to interface into the airpay payment gateway. Common examples that are being used are PHP, ASP & Java
Do I need to purchase a telephone or PRI live to accept payment using IVR?
No, you can use your existing telephone or PRI line to accept payment using IVR. You need not by additional telephone line to connect to airpay IVR Payment Channel.
Is it safe to use the card on airpay payment gateway & IVR?
We are compliant to the relevant Data Security Standards and ensure you that we maintain highest level of security for processing customers card data.

Payment Card Schemes such as MasterCard and Visa have a responsibility to make sure payment platform have protection in place to deter hackers and criminals.

How do I check my transaction done on airpay?
To log on to the Merchant Interface you will need to use the user name and password as supplied by airpay. You can view all the order successful and file in your Merchant Interface, under 'Transaction' Menu you have option to view days wise summary and details report.

You can also download CSV report from respective screens.
Will I get email with details of transactions done using airpay?
Yes, airpay sends email for every order successful or fail order processed using airpay.

To enable or this feature you can visit your "My Account" Section of Merchant Interface and select the service. To add users, you can simply create additional user on Merchant Interface, "Admin" Section. While creating the account, just enable the option "Order Email Alerts" for this user.
Can I request a printout of daily transactions report?
We believe in running a green business and we are committed to save trees and the environment. We request you to refer to the digital copy of order reports sent via email and available in merchant interface.

In case you need printout of the transaction reports, you can login to our merchant interface and print the same.
Please explain all the components of daily transaction report?
The daily transaction report is sent to you via email, showcases summary of sales, refund, chargeback, transaction fee, service tax and amount payable to your bank account.

The details report is an extension of the summary report, where the details of all the order are displayed with information like, order date, order amount, merchant order id, airpay order id, card type, service charges, taxes, etc.

The daily transaction report is also available to view and download in merchant interface.
When will I get money in my bank account for transactions done on airpay?
The money is remitted to merchant bank account within two working days from the order reconciliation date.

No manual intervention or approval required from your end.
Which bank account will I get the payout of orders received using airpay?
The payout for the orders received will be remitted to the bank account registered or mapped with airpay. Click Here To know the bank account details mapped on airpay.
How do I update my bank account number, for daily payouts from airpay?
The remittance of orders process using airpay will be transferred to your registred bank account number. You can change the registered bank account from your Merchant Admin. Click Here to login and update the account number.
What if, I gave wrong bank account details and number to airpay?
Airpay is not responsible if you provide or map wrong account number to your merchant account. Airpay will update or register the details provided you. It will be your responsibility to ensure that the bank account number mapped is correct.

The money transferred to the wrong account number cannot be recovered and merchant will be responsible to talk to bank and try to retrieve the same from the bank.

Airpay will not be responsible for loss incurred by merchant due to mapping of wrong bank account number.
Can I ask airpay to hold the payout for some days, if I have problem with my bank account?
Yes, airpay can help you hold the remittance or payout to your bank account. The payout will be accumulated in your merchant account till you instruct us to release or make the payout.

This facility is provided to merchant for their convenience and is enabled only on written request.
Can I request cheque or cash payment, for transactions done on airpay?
No, as per the mandate of RBI airpay needs to ensure that the payout is done to merchant account within two working days from the date of transactions. To keep inline to RBI's mandate we have made it mandatory for all merchant to accept money via NEFT - direct account transfer.
How do I pay the transaction fee to airpay?
The amount remitted to your bank account is net of airpay transaction fee, eg. the transaction fee is deducted from respective order before making payout to merchant.

Hence, you need not worry to pay the transaction fee to Airpay, it will be airpay's responsibility to ensure that collect the same before making remittance to your account.
How do I check for charges deduced by airpay from the payout?
Airpay is transparent with regards to the charges paid by merchant. The details of payout and charges are provided with the daily payout report. This report will be emailed to you and also be available in Merchant Admin.
I have queries with regards to charges deducted by airpay?
The charges deducted from your payout are as per the terms agreed by you. To understand the definition and method of calculation of respective component of settlement report "Click Here".

The payout amount in daily transaction report and credit in my bank account does not match?
The amount paid in your bank account is picked up from your payout report. Thus, occurrence of such an error is impossible. We request you to re-check the dates in payout report and your bank statement.

After checking if you still believe there are difference in payout amount or payout is not reflecting in your account, please get in touch with our customer support for assistance.
Can I cancel or refund the money to customer?
Yes, every successful transaction paid to you can be refunded back to the customer's account / debit card / credit card. You just need to request us to refund selected order id and we will process the refund request.

It might take max of 7 working days to refund appear in customer's bank or credit card statement.
How do I instruct airpay to cancel or refund the order?
It's simple to refund the money back to customer's bank account or debit or credit card. You need to log-on to Merchant Admin, search the order, review or change the refund amount and click the refund button.

You need to be careful while selecting the order for refund, double check the order Id, customer email ID, phone number, refund amount etc. before hitting the refund button.

It might take max of 7 working days to refund appear in customer's bank or credit card statement.
What if I cancel or refund wrong order, can I get the money again?
No, the money for order refunded to the customer is transferred to customer via bank. It is not possible to reverse the transaction, eg it's not possible to collect money back form customer any pay to you.

You can try to get in touch with the customer and ask them to pay again or transfer the money to your account. However, airpay will responsible to assist or help to retrieve the money back from customer.
Will I be charged for cancellation or refund of orders?
No, there are no charges for orders refunded back to the customer. So if you want to refund the money back to customer, please do not try to refund it in cash or cheque. Just refund it on airpay and avail the benefit of zero charges for refund.
Online and Card payment is open invitation to fraud, is it true?
This is not true. All the online transactions have to go through dual verification, eg in addition to the card details customer has to also enter a pin or password to complete the transaction. This process ensures that online transactions are secured against fraud orders.
How do I identify fraud transactions?
As a mandate you should try scrutinize every order received online. If you find any suspicious order pattern or customer behavior or communication, flag the order as suspected.

For every suspected order, try to call the customer, ask them to email Identify Card and Bank or Card Statement. Only once you satisfied with the details provided by customer, you should process the order and deliver the goods or services to the customer.

Airpay will also monitor your orders, intimate you about any abnormal order or customer behavior. Such order will be marked as suspected and email intimation will be sent to registered email address.
Will I have to bear loss for fraud transactions?
No, as per RBI mandate every online transaction is complete only after two layer - authorization and authentication. And if there is a fraud transaction the customer will be liable for the same.

Authorization ensure that the account or card details are correct and customer has money to perform this transactions.

Authentication ensure that the account or card holder enter a private password or pin, which ensure that holder of account or card himself or herself is performing this transaction.
What checks shall I perform to ensure customer is genuine? OR What document can I collect from customer, placing high value orders?
For every suspected order, try to call the customer, ask them to email Identify Card and Bank or Card Statement. Only once you satisfied with the details provided by customer, you should process the order and deliver the goods or services to the customer.
What is a chargeback or transaction dispute?
Customer transacting online using an account or debit or credit card can raise a complaint with their banking partner and request to return the money. The complain could be on grounds of defective product or late delivery or incorrect information about product or services or difference in product displayed and delivered, etc

Such disputes raised directly by the customer with their bank is called chargeback or transaction dispute.

As soon as the dispute is raised by the customer, banks instruct airpay to collect the order amount from you and park it in a banks suspense account.

When every we receive such dispute or chargeback, we will intimate you and collect the amount from you. To represent your case, you will have to submit the proofs of product, delivery and any other information about customer to airpay.

If the Bank is satisfied with the proof submitted by you, the money parked in bank's suspense account will be paid back to you. However, if it is proved the customer complain is genuine the customer will get a refund.
What document do I submit for Chargeback or disputed transactions documents?
Every time you receive a chargeback you need to represent your side by submitting certain document. The document acts as proof that you have delivered the product or services bought by the customer.

Following are some standard document you can submit:
Details Product or Service bought.
Proof of delivery or services (Signed by Customer)
Customer ID Proof (if available)
Customer's (if available)
Cancellation or Product Return Policy.
Can I share my payment gateway or mobile POS with friends or relatives?
Please do not share you payment gateway or POS Terminal with your friends and relatives. Payment Gateway, IVR and Mobile POS account are like your bank accounts. Only the owner of the account of the account is authorized to use the services.

Any unauthorized use of your airpay account can lead to deactivation, plus penalties and you might be permanently blacklisted by Visa or MasterCard or Banks from accepting payments online.
Do I need a shop or office to accept payment accepting payment using mobile POS?
You do need not have a shop or office to accept payment using Mobile POS. Mobile POS can also be used by Individuals for sale of goods or services @ customer location, your home, exhibitions stalls, etc.
Can I connect to the Airpay IVR from any landline or mobile number?
You can connect to our IVR system from registered landline or mobile
numbers only. If you wish to register any new landline / mobile numbers you will need to send us an email from your official email ID with all the details.
How do I register the landline / mobile number that I will use for IVR?
If you wish to register any new landline / mobile numbers you will need to send us an email from your official Email ID with all the details.
What is One Time Password (OPT), required for IVR?
As per the recent mandate of the Reserve Bank of India, use of OTP has been made mandatory for all IVR transactions.
Is it mandatory for the customer to enter the OTP, for every transaction?
OTP is an acronym for 'One Time Password'. The customers who wish to do a transaction on IVR have to generate the OTP by sending a SMS to the short code or on the website of his issuing bank i.e. the bank which has issued him / her the credit card.
Can I enter OTP on behalf for customer?
No, You cannot enter the OPT on behalf of customer. The OPT is like a banking password, the customer should not be asked to not revile the OPT.
When I to connect to the IVR I am getting a message 'Your number is not configured with us' message, can you help me?
The IVR system permits the merchant to connect to the platform only
from registered numbers. The number from which you may be initiating this call may not have been registered with Airpay End. Pls contact your relationship manager or send email to erations@airpayme.com if you wish to register additional numbers with Airpay IVR Platform
The transactions are getting declined on the IVR, can you help me?
The transactions are authorized or declined by the customer's issuing
bank. The transactions can get declined for many reasons. The customer may not be entering correct card or OTP details or there may be not enough funds in the customer's credit card account. Ask your customers to get in touch with their respective card issuing banks to understand the cause of the same.
How will I or customer know that transaction is successful?
As soon as the payment process is over, airpay IVR will narrate payment status "Success" or "Fail". Thus, at the end of transaction you and customer can easily judge if the payment is successful or failed.
Do I need to send receipt or confirmation of payment received using IVR?
As the transaction is done on IVR, you will have to intimate the customer about the transaction status and confirm them about the delivery of product or service.

How do I know which order is paid by which customer?
On the IVR you need to enter an order number and amount before the customer enters the card details. This order number will act as unique number for you to find this order in Merchant Admin and Daily Statement.

This invoice number will help you track the details of order generated by the customer.
I entered wrong amount on IVR, can I drop the transactions before charging to customer?
Yes, if you happen to do a typo error with the order id or amount you can drop the transaction immediately. You can start a fresh order on IVR with new order number.
Where do I check the orders received using IVR?
You can check all the orders in airpay merchant admin panel. The merchant admin gives you a detailed and summary report for all successful or failed orders. You can also perform custom search for a date range and also download reports in csv format.
I charged the customer twice for same order, what shall I do?
Don't worry if you have charged the customer twice for same order and amount. You can refund one order back to customer using Merchant Admin. The refund will reflect in merchant bank account or card statement within 7 working days.

Also all inform the customer that he has been charged twice for the same order and one transaction and that one of the order will be cancelled and refund will be processed to bank account or debit or credit card.
Which cards can I accept on IVR?
You can accept all valid credit and debit card branded as visa and mastercard, issued in India.
How will customer identify the charged in his bank or card statement?
The charge will appear in customer statement and will reflect your company legal short name. Incase you want to change the name that will appear in customer statement, you can contact our customer care.
Customer is charged, however I have not received success order message?
In case customer is charged and you did not receive success order message, you can check the order status in Merchant Admin. Login to merchant admin and search for the order with help of customer email ID or mobile number.

If the order is successful in Merchant Admin, you should refund such order to return the money back to customer.

If the order is marked as failed in Merchant Admin, you should not worry. The money charged to customer will be automatically refunded to customer within 7 working days.

Do I need to open account with all the bank, to get netbanking connectivity?
Airpay has tied-up with multiple banks, to provide netbanking facility to you. Hence, you need not open account with each bank. Airpay will consolidate the payment done via various bank and make payment to you in your single bank account mapped our airpay.
What is Netbanking Payment?
NetBanking is a mode of online payment made available on airpay payment gateway. This is an additional payment method, where the customer is given option to use their bank account - user name and password to pay for purchasing goods or services on your website.
Can customer holding any bank account, can pay using NetBanking?
Yes, the customer's bank has to tie-up with airpay for the customer to be able to pay using NetBanking account.

However, if the a selected bank has not connected to airpay, customer of this bank account will not be able to pay using NetBanking.

However, you can always ask such customer to pay you using debit card. It's safe, simple, secure and quick.
How will customer identify the charged in his bank account?
Every transaction charged to customer will appear in customer's account with Narration "Airpay". Thus, it will be easy for the customer to identify the transaction done your website
Customer has been charged, however I have not received the success order message?
In case customer is charged and you did not receive success order message, you can check the order status in Merchant Admin. Login to merchant admin and search for the order with help of customer email ID or mobile number.

If the order is successful in Merchant Admin, you should refund such order to return the money back to customer.

If the order is marked as failed in Merchant Admin, you should not worry. The money charged to customer will be automatically refunded to customer within 7 working days.

Which cards can I accept for online payment?
You can accept all valid credit and debit card branded as visa and mastercard, issued in India.
Do I need to register with bank or visa or master card or Amex, to accept card payment?
airpay has tied-up with banks, to provide payment gateway facility to you. Hence, you need not open account with each bank. Airpay will consolidate the payment done via bank and make payment to you in your single bank account mapped our airpay.
How will customer identify the card in their bank or card statement?
Every transaction charged to customer will appear in customer's account with specific like Narration your company or brand name. Thus, it will be easy for the customer to identify the transaction done your website.
Customer is charged, however I did not receive success order message?
In case customer is charged and you did not receive success order message, you can check the order status in Merchant Admin. Login to merchant admin and search for the order with help of customer email ID or mobile number.

If the order is successful in Merchant Admin, you should refund such order to return the money back to customer.

If the order is marked as failed in Merchant Admin, you should not worry. The money charged to customer will be automatically refunded to customer within 7 working days.
Customer is asking for refund by cash or cheque, is it ok to refund?
No, please do not process refund of online transactions in cash or cheque. You can refund one order back to customer using Merchant Admin. The refund will reflect in merchant bank account or card statement within 7 working days.
I have refunded the order on airpay, when will customer get month?
Once you refund one order back to customer using Merchant Admin. The refund will reflect in merchant bank account or card statement within 7 working days.
Customer has complained, that refund is not reflecting in his bank or card statement?
It take nearly 7 working days for the bank to refund the money back to the customer. However, if the money is not reflecting in customer's bank account or card statement after 7 or 10 day. Please send this query to airpay support team.

Airpay support team will provide you a refund reference number. Ask the customer to take this refund reference number to their respective bank and file a complain.
Customer cancelled the order do I have to refund the complete amount?
No, you need not refund the entire amount if the order is cancelled by the customer. You can retain your cancellation charges as may be applicable for your services.

However, you need to clearly inform customer about the cancellation policy before accepting the order.
Goods / Services are delivered, but still customer is asking for refund, what shall I do?
If the goods or services is already provided to customer. However, due to some odd reason if they are asking for refund. In such a case, please do not refund the money to customer.

Instead, ask the customer provide their ID Proof and bank or card statement. So if customer disputes the transaction via the bank and demands for chargeback, you can provide him the proof of product and other document provide by customer as evidence for dispute resolution.

Can I add my logo on the payment page of airpay?
Yes, aripay has made provision for you to upload the logo on the payment. Thus, you can now display our logo on airpay's payment page to customized the payment page.
Can I change the color scheme of the payment page?
No. However, airpay team is working toward making providing this facility. We will inform you once the same is available.
Can I Change the Company / Brand Name displayed on payment page?
No. The payment gateway account is like your bank account. You can never change the legal owner name of the website for any reason.

However, if you happen to re-brand your product or services you can change the same. Please do call us for more help with change in company name or brand name.
Airpay will charge the merchants as follows
Details Merchant Charges
Set Up fees NIL
TDR For (Master Card / Visa Card) 2.00%*
TDR For Net Banking & Digital Wallets 2.00%*
TDR For (Debit Cards) < Rs: 2000/- 0.75%*
TDR For (Debit Cards) > Rs: 2000/- 1.00 %*
TDR For International Cards & AMEX 2.75%*
Annual Maintenance Charges NIL

*All applicable taxes extra