Terms of Service

1. About these terms

These terms govern your use of PayMQR ("PayMQR", "the service", "we"). By creating an account or using the service you agree to them.

PayMQR is merchant payment software. It is not a bank, an acquiring institution, a payment aggregator or a regulated payment gateway, and it does not hold, route, settle or guarantee funds.

2. Your account

You must provide accurate account and business details and keep them up to date. You are responsible for everything done through your account.

You are responsible for the security of your credentials, your API keys and your webhook signing secrets. PayMQR shows an API key and a webhook secret once, at creation, and cannot recover them afterwards — only replace them.

Tell us promptly if you believe your account or a credential has been compromised so it can be revoked.

3. What the service does

PayMQR lets you create payment records, share them as links, QR codes or hosted checkouts, collect payment evidence from your customers, and review and record the outcome.

Payments are made by your customer directly to the payment account you configure. PayMQR is not a party to that transfer, does not receive the funds, and cannot reverse, refund or redirect them.

A payment marked Verified in PayMQR means the evidence available satisfied the checks that ran, or that you accepted it. It is not a bank confirmation and is not a guarantee that funds have cleared or will remain cleared.

4. Your responsibility as a merchant

You are solely responsible for the goods or services you sell, for your own terms with your customers, for the accuracy of the amounts you request, and for any tax, licensing or regulatory obligations that apply to your business.

You are responsible for the payment accounts you configure and for confirming that they are correct and belong to you.

When you add a UPI ID, PayMQR checks its form and then asks a verification provider about it. Where the provider answers, it confirms whether that UPI ID resolves to an account and returns the account holder name held against it, which PayMQR records and shows you. Where it cannot answer, or the answer is unclear, a PayMQR reviewer decides whether the account may be used.

A confirmed lookup is not proof of ownership. It tells you that the address resolves and what name is held against it — not that the account is legally yours, that you control it, or that it will accept a given payment. Confirming that the destination is the right one remains yours to do.

You should reconcile PayMQR records against your own bank or UPI statements. Where the two disagree, your bank is authoritative.

5. Acceptable use

You may not use PayMQR to request payment for anything unlawful, to impersonate another business, to mislead a customer about who they are paying or what they are paying for, or in breach of any applicable law or payment-network rule.

You may not attempt to access another merchant's data, probe or attack the service, bypass rate limits or authentication, submit fabricated payment evidence, or use the service to launder funds or evade sanctions.

You may not resell or expose PayMQR functionality in a way that presents it as your own payment processing, or otherwise misrepresent PayMQR's role.

6. Payment evidence and verification

Payment evidence submitted through PayMQR — typically a screenshot from a customer's bank or payment app — is provided by your customer. PayMQR stores it, checks it against the order it belongs to, and presents the result.

Where the checks cannot confirm a payment, PayMQR routes it to you for a decision. The decision is yours and is recorded as final.

PayMQR does not guarantee that evidence is genuine, that it has not been altered, or that a payment reached your account. Verification within PayMQR is a records and evidence process, not a financial settlement process.

You are responsible for handling customer evidence lawfully once it reaches your account, including any personal information visible in it.

7. API, webhooks and integrations

API keys authenticate as your account. Keep them server-side and never in client-side code. Revoke a key immediately if you suspect it has leaked.

You are responsible for the endpoints you register, for verifying webhook signatures before acting on a delivery, and for handling repeated deliveries safely — deliveries are retried and may arrive more than once.

Test-mode credentials create test payments that cannot collect money. Do not present test payments to customers as real ones.

We may apply rate limits, and may change or version the API. We will avoid breaking changes without notice where we reasonably can.

8. Plans, allowances and charges

Your plan determines your payment-verification allowance. An allowance is used by payments PayMQR successfully verifies for you — one payment uses one verification, however many times it is checked — and is not used by creating payments, links or QR codes, or by a check that does not succeed. The allowance and your current usage are shown in the console.

Every account starts on the free plan. Paid plans are optional and are bought from Billing in your PayMQR account: you choose a plan, pay the published price for it by UPI from your own app, and submit the payment reference. PayMQR reviews that payment and the plan activates once PayMQR confirms it.

PayMQR stores no payment method for you and charges nothing automatically. There is no card on file, no mandate and no recurring debit — a paid term is only ever started by a payment you make yourself.

A paid term runs for the billing cycle shown on the plan. At the end of it, unless you buy another term and PayMQR confirms that payment, the account returns to the free plan and is metered as a free account again. Your payments, links, QR codes, API keys and records are not deleted by that change.

The price shown for a plan is the amount collected. PayMQR does not currently issue a tax invoice for a subscription payment; your billing history in the console lists every payment you have made to PayMQR. See the refund and cancellation policy for how service charges are handled.

9. Availability and changes

The service is provided as it is and as it is available. We do not commit to an uptime figure, and we may take the service down for maintenance.

We may change, add or remove features. Where a change materially reduces what your account can do, we will make a reasonable effort to tell you in advance.

10. Suspension and termination

We may suspend or close an account that breaches these terms, that is being used unlawfully, or where suspension is necessary to protect other merchants, customers or the service.

You may stop using PayMQR at any time. Records already created — payments, evidence and audit entries — are retained as described in the privacy policy.

11. Limits

To the extent permitted by law, PayMQR is not liable for money that does not arrive, for payments made to an incorrect destination you configured, for a customer's conduct, for a decision you make on a payment, or for indirect or consequential loss.

Nothing in these terms limits liability that cannot lawfully be limited.

12. Changes to these terms

We may update these terms as the product changes. The current version is always the one published here, and continued use after an update means you accept it.

13. Contact

Questions about these terms can be raised through the contact page.