Legal Agreement

Terms & Conditions

These Terms and Conditions govern the access and use of all services, products, payment systems, APIs, white label platforms, partner panels, merchant panels, digital platforms, and fintech infrastructure operated, provided, enabled, or facilitated by Hwrs Paytech Private Limited.

These Terms apply to all users, visitors, merchants, retailers, distributors, master distributors, white label partners, API partners, business entities, customers, employees, agents, representatives, and any person accessing or using HWRS PayTech services directly or indirectly.

Introduction

By accessing, registering, onboarding, integrating, purchasing, subscribing, or using any website, application, merchant panel, admin panel, retailer panel, distributor panel, master distributor panel, white label panel, API service, payment solution, recharge solution, bill payment service, fintech platform, wallet service, or any digital service operated by Hwrs Paytech Private Limited (“Company”, “HWRS PayTech”, “we”, “our”, or “us”), you agree to comply with and be legally bound by these Terms and Conditions.

If you do not agree with these Terms, you must immediately discontinue access to and use of the services.

These Terms shall be read along with our Privacy Policy, Refund Policy, Grievance Policy, Cookie Policy, Partner Agreement, API Agreement, White Label Agreement, Commission Policy, KYC Policy, and any other applicable policy or agreement issued by the Company from time to time.

Definitions

“Company”

Hwrs Paytech Private Limited, including its website, software, applications, platforms, APIs, panels, employees, officers, vendors, partners, and authorized representatives.

“Services”

All products, platforms, APIs, payment systems, technology solutions, and business services offered by HWRS PayTech, including but not limited to:

  • BBPS, AEPS, UPI, Micro ATM Services
  • DMT Services
  • Mobile & DTH Recharge
  • Utility Bill Payment
  • FASTag Recharge
  • Merchant Payment Solutions
  • Digital Wallet Services
  • API & Fintech Infrastructure
  • White Label Solution
  • Master Distributor, Distributor & Retailer Panels
  • Admin & Merchant Panel
  • PAN Card Services
  • Insurance Services (Health, Bike, Car, Hospicash)
  • Travel Services (IRCTC, Bus Booking)
  • Courier Service Point
  • Digital Gold Seller Services
  • Gift Card Services
  • Solar Installation Lead Services
  • Cash and EMI Collection
  • UPI Cash Withdrawal
  • Any other service introduced from time to time

“User”

Any individual, retailer, merchant, distributor, master distributor, white label partner, API partner, customer, business entity, organization, employee, agent, or any other person accessing or using the Company’s services.

“White Label Partner”

Any person, company, firm, LLP, proprietorship, or business entity that uses HWRS PayTech’s technology, APIs, backend systems, software, payment infrastructure, or platform under its own brand name, domain, logo, design, or business identity.

“Master Distributor”

A partner authorized to create, manage, monitor, support, and operate distributors and retailers under its network, subject to permissions granted by the Company or White Label Partner.

“Distributor”

A partner authorized to onboard, manage, support, and monitor retailers or merchants under its network and earn eligible commission or margin as per the applicable commission structure.

“Retailer”

A merchant, shop owner, agent, service provider, or business user who provides recharge, BBPS, AEPS, Micro ATM, DMT, UPI, PAN, insurance, travel, bill payment, and other enabled services to customers.

“API Partner”

Any person or business entity that purchases, integrates, accesses, or uses HWRS PayTech APIs to offer payment, recharge, BBPS, AEPS, DMT, utility, PAN, insurance, travel, or other fintech services through its own application, website, or platform.

“Platform”

HWRS PayTech website, mobile application, web application, APIs, admin panel, merchant panel, white label panel, partner panel, retailer panel, distributor panel, master distributor panel, API dashboard, and any related technology system.

“Transaction”

Any recharge, bill payment, wallet debit, wallet credit, AEPS transaction, Micro ATM transaction, UPI transaction, API transaction, settlement, commission payout, refund, reversal, service request, or financial/non-financial activity performed through the Platform.

Eligibility

  • Users must be at least 18 years of age.
  • Users must be legally capable of entering into a binding contract under Indian law.
  • Users must provide accurate, complete, current, and verifiable information during registration, onboarding, KYC verification, service activation, API onboarding, partner onboarding, or white label onboarding.
  • Business users must provide valid business information, registration details, GST details, PAN details, address proof, bank details, and other documents as required by the Company.
  • The Company reserves the right to approve, reject, suspend, restrict, or terminate any registration, onboarding request, or account at its sole discretion.

The Company may refuse service to any person or entity if the Company believes that such person or entity may create legal, regulatory, operational, financial, security, fraud, reputational, or compliance risk.

KYC & Regulatory Compliance

Users may be required to complete Know Your Customer (KYC) verification in accordance with applicable RBI, NPCI, BBPS, banking partner, payment gateway, service provider, and governmental regulations.

The Company reserves the right to:

  • Verify submitted documents and information
  • Request additional verification documents
  • Conduct video KYC, physical or digital verification
  • Validate PAN, Aadhaar, GST, bank account, and identity
  • Suspend accounts with incomplete or suspicious KYC
  • Reject onboarding where documents are fake or unverifiable
  • Report suspicious activities to regulatory authorities
  • Re-verify any user or partner at any time

Users agree to comply with all applicable laws including KYC, AML, anti-fraud, anti-money laundering, counter-terror financing, cybersecurity, data protection, digital payment, banking, taxation, and regulatory requirements.

Failure to complete KYC or submit required documents may result in limited access, service restriction, settlement hold, wallet hold, suspension, or termination.

Role-Based Access and Responsibility

HWRS PayTech may provide role-based access to different users depending on business model and permissions.

HWRS PayTech Admin

The Company may create and manage White Label Partners, Master Distributors, Distributors, Retailers, API Partners, Merchants, Customers, services, commissions, settlements, reports, roles, permissions, KYC, and compliance controls.

White Label Admin / White Label Owner

A White Label Partner may receive admin access to manage its own business under its own brand. The White Label Partner may create and manage Master Distributors, Distributors, Retailers, Merchants, Customers, and Users, subject to permission granted by the Company. The White Label Partner is responsible for its own branding, customer communication, support handling, onboarding process, business claims, commission structure, marketing content, and partner management.

Master Distributor

May create and manage Distributors and Retailers under its hierarchy, subject to access rights and policies.

Distributor

May create and manage Retailers under its hierarchy, subject to access rights and policies.

Retailer

May provide enabled services to customers and is responsible for entering correct customer details, collecting consent, issuing receipts, maintaining records, and following service guidelines.

API Partner

May integrate HWRS PayTech APIs into its own system and is responsible for secure integration, correct request data, proper callback handling, customer display, transaction logs, reconciliation, and support for its own users.

Use of Services

Users agree to use the services only for lawful, authorized, permitted, and genuine business purposes.

Users shall not:

  • Engage in fraud, money laundering, or suspicious activities
  • Use services for prohibited goods, illegal payments, gambling, or betting
  • Misuse APIs, payment systems, wallets, or panels
  • Interfere with platform security or infrastructure
  • Attempt unauthorized access to any account or system
  • Share login credentials, OTP, password, or API keys
  • Use bots, scripts, or unauthorized software on the platform
  • Perform fake, circular, or structured transactions
  • Submit forged or misleading KYC documents
  • Misrepresent association with bank, RBI, NPCI, or BBPS
  • Make false promises to customers regarding refund or commission
  • Use HWRS PayTech brand or software without authorization

Any violation may result in immediate suspension, wallet hold, settlement hold, commission reversal, legal action, reporting to authorities, or permanent termination of services.

Services and Platform Availability

HWRS PayTech aims to provide reliable services, but the Company does not guarantee uninterrupted, error-free, or always available services. Services may be affected by:

  • Bank, NPCI, BBPS, or operator downtime
  • Payment gateway failure
  • API provider issue
  • Internet or server failure
  • Scheduled or unscheduled maintenance
  • Cybersecurity event
  • Regulatory restriction
  • Force majeure event
  • Technical issue beyond reasonable control

The Company shall not be liable for service disruption caused by third-party systems, banks, operators, billers, government portals, payment gateways, or network providers.

Transactions & Settlements

Transactions once processed may not be reversed unless permitted under applicable banking, operator, biller, payment gateway, NPCI, BBPS, RBI, service provider, or regulatory policies. Users are responsible for verifying all transaction details before confirmation.

The Company may hold or delay settlement where:

  • Transaction is under dispute
  • Chargeback is raised
  • Fraud is suspected
  • KYC is incomplete
  • Regulatory verification is pending
  • Wallet balance is negative
  • Commission reversal is required
  • Suspicious activity is detected
  • Bank or service provider confirmation is pending
  • Legal or compliance review is required

The Company reserves the right to adjust, debit, recover, reverse, or hold any amount from wallet, settlement, commission, payout, or future transactions where required due to failed transaction, chargeback, wrong credit, duplicate credit, refund, fraud, compliance issue, or system error.

Wallet Usage

The wallet facility, if provided, is meant for using enabled services on the platform. Users must maintain sufficient wallet balance before initiating transactions.

The Company may freeze, hold, debit, adjust, or reverse wallet balance in cases involving:

  • Fraud or suspicious activity
  • Chargeback
  • Duplicate or wrong credit
  • Failed settlement
  • Negative balance
  • Commission reversal
  • Regulatory direction
  • KYC issue
  • Dispute or investigation
  • Violation of these Terms

Wallet balance is not transferable or withdrawable except as permitted under applicable service rules, KYC status, partner agreement, settlement policy, and applicable law.

API Services

API Partners may access HWRS PayTech APIs only after approval, agreement execution, KYC completion, commercial approval, and technical onboarding.

API Partners are responsible for:

  • Secure storage of API keys and secret keys
  • Correct API integration
  • Request and response handling
  • Callback / webhook handling
  • Customer communication
  • Transaction reconciliation
  • Server security and IP whitelisting
  • API logs and error handling
  • Fraud prevention
  • Compliance with applicable laws
  • Support to their own customers

API Partner shall not:

  • Share API credentials with unauthorized persons
  • Resell APIs without permission
  • Hit unauthorized endpoints or manipulate request payloads
  • Misrepresent transaction status or bypass security controls
  • Use APIs for illegal or prohibited services
  • Send fake, duplicate, malicious, or suspicious requests

HWRS PayTech may suspend or revoke API access at any time in case of misuse, technical risk, payment default, suspicious activity, policy violation, or regulatory requirement.

White Label Services

HWRS PayTech may provide white label technology, platform, APIs, admin panel, partner hierarchy, service modules, branding options, and backend support to approved White Label Partners. White Label Partner may operate the platform under its own brand name, logo, design, color theme, domain, and business identity, subject to agreement and approval.

White Label Partner shall be responsible for:

  • Its own business representation
  • Its own customer support
  • Its own partner onboarding
  • Its own marketing material
  • Its own commission and pricing commitments
  • Its own downstream network conduct
  • Its own legal and compliance obligations
  • Proper KYC collection from its network
  • Preventing fraud in its network
  • Informing users about applicable policies
  • Ensuring downstream network follows these Terms

HWRS PayTech shall not be responsible for unauthorized promises, false claims, incorrect commission commitments, misleading advertisements, illegal activities, or customer disputes created independently by White Label Partner or its network.

Master Distributor, Distributor and Retailer Network

Master Distributors, Distributors, and Retailers are independent business partners and are responsible for their own conduct, customer dealing, documentation, transactions, and business activities.

They must:

  • Complete KYC and follow platform guidelines
  • Verify customer details
  • Issue transaction confirmation where applicable
  • Not overcharge customers beyond permitted limits
  • Not make false promises
  • Not misuse customer documents
  • Not store sensitive information unlawfully
  • Not collect unauthorized charges
  • Not misrepresent themselves as bank or government employee
  • Not perform fake or suspicious transactions
  • Not share credentials with third parties

Any violation may result in account suspension, commission hold, wallet hold, recovery, penalty, legal action, or termination.

Fees & Charges

The following charges may apply depending on service type, user type, role, agreement, and commercial structure:

  • Service Charges & Processing Fees
  • API Usage & Setup Fees
  • Wallet Maintenance Fees
  • Settlement Charges
  • Platform & Convenience Fees
  • White Label Setup & Maintenance Fees
  • Integration & Customization Fees
  • Transaction & Commission Charges
  • Reversal & Chargeback Charges
  • KYC & Device Charges
  • Applicable Taxes

Applicable fees and charges may be revised by the Company from time to time without prior notice. Users agree that applicable charges may be deducted from wallet, settlement, commission, payout, or transaction amount.

Commission and Earnings

Retailers, Distributors, Master Distributors, White Label Partners, and API Partners may earn commission, margin, incentive, or revenue share as per the applicable commercial structure approved by the Company. Commission may vary by service type, transaction amount, partner category, role hierarchy, business volume, operator or biller, API provider, bank or payment partner, campaign or offer, compliance status, and risk category.

The Company reserves the right to revise, hold, reverse, deduct, or cancel commission in case of failed transaction, refund, reversal, chargeback, fraud, suspicious activity, policy violation, incorrect transaction, or service provider adjustment. Any earning projection shown on website or marketing material is indicative only and not guaranteed.

Refund & Reversal Policy

Refunds, reversals, and dispute resolutions shall be governed by:

  • Banking partner policies
  • NPCI and BBPS operational guidelines
  • Applicable RBI regulations
  • Operator and biller policies
  • Payment gateway policies
  • API provider policies
  • Internal operational policies of the Company
  • HWRS PayTech Refund Policy

Successful transactions may not be refundable unless permitted by concerned bank, biller, operator, payment gateway, service provider, or applicable law. Wrong mobile number, wrong consumer number, wrong account number, wrong IFSC, wrong beneficiary details, wrong biller selection, wrong operator, wrong amount, or duplicate transaction submitted by user or partner may not be eligible for refund.

Privacy & Data Security

  • User information shall be processed in accordance with the Company’s Privacy Policy and applicable data protection laws.
  • Data may be collected for operational, security, compliance, legal, service delivery, fraud prevention, audit, settlement, support, and business purposes.
  • The Company implements commercially reasonable safeguards to protect user information.
  • No system can guarantee complete security against cyber threats, unauthorized access, malware, phishing, data breach, or third-party attacks.
  • Users are responsible for maintaining confidentiality of login credentials, password, OTP, MPIN, API key, device access, and account security.

Confidentiality

Users, partners, API partners, and white label partners shall keep confidential all non-public information received from HWRS PayTech, including:

  • API documents, keys, and secret keys
  • Pricing and commission structure
  • Business model and technical architecture
  • Software access and source code
  • Customer, transaction, and partner data
  • Reports and credentials
  • Agreements and operational processes

Confidential information shall not be shared, copied, sold, disclosed, reverse engineered, or misused without written permission from the Company.

Intellectual Property

All rights in HWRS PayTech software, APIs, website, platform, dashboard, design, logo, brand, content, documentation, database, source code, workflows, reports, system architecture, and technology are owned by or licensed to HWRS PayTech. Users are not granted any ownership rights.

No user may copy, modify, reproduce, distribute, sell, resell, reverse engineer, decompile, or misuse any part of the platform or technology. White Label Partners may use approved branding options only as permitted under agreement.

Prohibited Activities

Users shall not use HWRS PayTech services for:

  • Fraud or money laundering
  • Terror financing
  • Fake transactions or unauthorized collections
  • Illegal lending
  • Gambling or betting
  • Crypto or prohibited trading where restricted
  • Adult or obscene content
  • Narcotics, weapons, or prohibited goods
  • Phishing or identity theft
  • Fake KYC or document forgery
  • Cybercrime or scam schemes
  • Misuse of government or banking services
  • Any illegal activity under Indian law

The Company may immediately suspend or terminate accounts involved in prohibited activities.

Limitation of Liability

The Company shall not be liable for:

  • Indirect or consequential damages
  • Banking or telecom interruptions
  • Third-party service failures
  • Unauthorized access resulting from user negligence
  • Technical issues beyond reasonable control
  • Wrong information entered by user or partner
  • Failed transaction due to bank/operator/biller/API provider issue
  • Delay in settlement due to third-party system
  • Loss caused by OTP/password/API key sharing
  • Loss due to device compromise, malware, phishing, or fraud
  • Loss of profit, business, revenue, reputation, goodwill, or opportunity
  • Actions of retailers, distributors, master distributors, white label partners, API partners, or third-party agents

In no event shall the Company’s aggregate liability exceed the amount involved in the disputed transaction giving rise to the claim and actually received by the Company for that specific transaction.

Indemnity

Users agree to indemnify and hold harmless HWRS PayTech, its directors, officers, employees, agents, vendors, banking partners, payment partners, and affiliates from any claims, losses, penalties, liabilities, damages, costs, or expenses arising from:

  • Violation of these Terms
  • Misuse of services
  • Fraudulent activity
  • Wrong transaction details
  • False representation
  • Breach of law
  • Breach of customer data
  • API or white label misuse
  • Retailer / distributor misconduct
  • Customer complaint due to user’s act or omission
  • Chargeback, refund, or regulatory claim caused by user

Suspension & Termination

The Company reserves the right to suspend, restrict, investigate, hold, block, disable, or terminate accounts and services without prior notice in cases involving:

  • Fraudulent activities
  • Violation of these Terms
  • Suspicious transactions
  • Regulatory non-compliance
  • Operational or security risks
  • KYC failure or false documents
  • Chargeback risk or payment default
  • Negative wallet balance
  • Misuse of API or white label platform
  • Customer complaints
  • Law enforcement or regulatory direction
  • System abuse
  • Prohibited activity

Termination shall not affect the Company’s right to recover dues, reverse commission, hold settlement, investigate activity, or take legal action.

Amendments & Force Majeure

HWRS PayTech may modify, update, replace, or revise these Terms at any time due to business, legal, regulatory, operational, technical, or security reasons. Updated Terms may be posted on the website, app, or platform. Continued use of services after such updates shall constitute acceptance of revised Terms.

HWRS PayTech shall not be liable for any delay, failure, or non-performance caused by events beyond reasonable control, including:

  • Natural disaster, fire, flood, pandemic
  • War, riot, government action
  • Regulatory restriction
  • Internet or telecom failure
  • Bank downtime
  • Payment system failure
  • Cyberattack or server outage
  • Power failure or strike
  • Third-party service failure

Governing Law & Jurisdiction

These Terms shall be governed by and interpreted in accordance with the laws of India.

Any disputes arising out of or related to these Terms shall be subject to the exclusive jurisdiction of courts located in New Delhi, India.

Contact Information

Company

Hwrs Paytech Private Limited

Mobile

+91 98717 83739

Registered Address

B-1127, i-Thum Tower, Sector 62, Noida, Uttar Pradesh 201301, India

Acceptance of Terms

By accessing or using the services of Hwrs Paytech Private Limited, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and Conditions.