Terms and Conditions

These terms govern your use of the Instant Payout merchant app, website and APIs, and the PayIn (payment collection) and Payout services provided by Onemind Solutions Private Limited (CIN U58203RJ2023PTC089716), No- E263, Main Road, Madri Industrial Area, Transport Nagar, The Keys Hotel, Udaipur City, Udaipur, Girwa, Rajasthan, India, 313001 ("we", "us"). By creating an account you agree to these terms. Your signed Merchant Service Agreement also applies and prevails if there is a conflict.

1. Eligibility & KYC

You must be at least 18 and run a lawful business in India. You must complete KYC (Aadhaar, PAN, business details and a bank account in your or your business's name) before receiving or sending payments. We may ask for more documents at any time and may refuse, limit or suspend services if verification fails or information is false.

2. Your QR, payments and payouts

• Your dedicated UPI QR and API keys are for your own business only. Do not let others collect or pay out through your account.
• You must not use the services for illegal, prohibited or high-risk activities, including gambling or betting, unlicensed financial services, crypto trading, adult content, counterfeit goods, money laundering or fraud.
• Payout instructions you submit (by panel or API) are final once processed. You are responsible for the accuracy of beneficiary details.
• Bank or network failures may delay transactions; failed payouts are reversed to your wallet.

3. Fees & taxes

Fees are shown in your panel and Merchant Service Agreement. PayIn amounts are credited net of fees. Payout fees are deducted from your wallet. GST and other applicable taxes are charged extra and invoiced. We may change fees with prior notice.

4. Settlement

PayIn funds become available according to your settlement cycle (for example T+1), excluding non-working days and holidays, and are paid only to your verified bank account or your payout wallet. We may hold or reverse funds for disputes, chargebacks, refunds, suspected fraud, KYC gaps or legal orders.

5. Disputes, chargebacks & refunds

If a payer raises a dispute or chargeback, you must provide proof of the transaction within the time we ask. Amounts of lost disputes, chargebacks and related charges may be debited from your balance or future settlements. Refunds to your customers are your responsibility.

6. Account security

Keep your password, OTPs, API keys and devices secure, and whitelist only your own server IPs. You are responsible for activity on your account. Tell us immediately about unauthorised use. Sign out of lost devices from Profile.

7. Suspension & termination

You may close your account at any time (Profile → Delete account, or this page); any remaining balance is settled to your verified bank account after pending disputes are cleared. We may suspend or close accounts that breach these terms, the law, or partner bank/network rules, or when required by a regulator.

8. Liability

Services are provided "as available". We are not liable for indirect or consequential losses, or for delays caused by banks, NPCI, payment networks or events outside our control. Our total liability for any claim is limited to the fees you paid us in the 3 months before the claim, except where the law does not allow such a limit.

9. Privacy

We handle personal data as described in our Privacy Policy.

10. Changes

We may update these terms. The date at the top shows the latest version; continued use after changes means you accept them. Significant changes will be notified in the app or by email.

11. Governing law

These terms are governed by the laws of India. Courts at Udaipur, Rajasthan have exclusive jurisdiction.

12. Contact & complaints

Support: support@instantpayout.com. For complaints, see our Grievance Officer page.