AajPay – Terms & Conditions

Terms & Conditions

These Terms & Conditions govern the use of **AajPay Recharge & Bill Payment Services**. By accessing or using AajPay, you agree to these terms. Please read them carefully before proceeding.

1. Service Overview

AajPay provides digital payment services for:

Mobile Prepaid & Postpaid Recharge
Electricity, Gas & Water Bill Payments
DTH & Broadband Recharge
Fastag Recharge & Utility Bills

AajPay acts as a **technology facilitator & payment aggregator**, enabling secure transactions through authorized banking/payment channels. AajPay is **not a bank or financial institution**.

2. User Responsibilities

By using AajPay services, you agree to:

Provide accurate user details when making a transaction.
Ensure proper selection of operator & biller before payment.
Maintain strong password & device security.
Avoid fraudulent or unlawful activity.

3. Account Creation & KYC

For wallet, balance storage, or higher transaction limits, KYC verification may be required as per **RBI norms**. AajPay may request PAN, Aadhaar, GST details (for merchants), or business proof.

4. Payment & Settlement Policy

All payments are processed via authorized payment gateways. Once a transaction is initiated, it **cannot be cancelled** if it has reached the biller or telecom operator.

Settlement Time:

Successful recharge → Instant confirmation
Bill Payment → Depends on biller response time (0–24 hrs)

5. Refund & Failure Policy

Refunds are issued only when AajPay receives a failure confirmation from the biller/operator.

Refund Scenarios:

Payment deducted but recharge failed → Refund within 7 working days
Pending/processing state → Auto-return to wallet/bank if failure confirmed
No manual refund if transaction is successful at operator’s end

6. Charges & Fees

AajPay may levy service charges depending on the bill/recharge type. Charges will be shown **before confirming the payment**.

7. Limitation of Liability

AajPay shall not be held responsible for:

Biller/operator server downtime
Wrong mobile number/biller ID entered by user
Delayed updates from third-party payment systems

8. Customer Support

For help regarding transactions, refunds, or recharge:
Email: info@aajpay.in
Website: https://aajpay.in

9. Governing Law

These Terms are governed by the laws of India and are compliant with the **Information Technology Act 2000** and **RBI guidelines** for digital payments.