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• Legal & Service Agreement

Terms of Service

Please read these Terms of Service carefully before accessing or using the payout APIs, merchant dashboard, and payment gateway infrastructure provided by E2PAY HUB PRIVATE LIMITED.

Effective Date: October 1, 2026 • Merchant Platform Terms

Regulatory Compliance

Services are governed by RBI guidelines, Indian banking regulations, and applicable IT laws.

KYC Verification

Mandatory business onboarding verification is required prior to API sandbox and production routing.

Zero-Tolerance Fraud

Accounts involved in suspicious, prohibited, or fraudulent transactions will be suspended immediately.

Terms Index

Registered Entity

E2PAY HUB PRIVATE LIMITED

Amigo, C-25, 1st Floor, Sector-8, Noida, Gautam Buddha Nagar, Uttar Pradesh, 201301 - India

Agreement Overview

This legal agreement ("Terms") is entered into by and between E2PAY HUB PRIVATE LIMITED (hereinafter referred to as "Company", "E2PAY HUB", "we", "us", or "our") and the business entity or individual registering for an account ("Merchant", "User", "you", or "your").

By opening an account, accessing the merchant dashboard, or integrating our payment and payout gateway APIs, you agree to comply with and be bound by these Terms, our Privacy Policy, and all applicable laws and regulations governing electronic fund transfers in India.

01. Acceptance of Terms

By creating an account or using any aspect of our payout infrastructure, you warrant that you possess the legal authority to enter into this agreement on behalf of your business entity. If you do not accept these terms in full, you must not proceed with integration or service usage.

02. Merchant Onboarding & Mandatory KYC

To access production endpoints and process transactions, Merchants must undergo statutory Know Your Customer (KYC) verification:

  • Documentation: Merchants must submit valid business identification documents, including Certificate of Incorporation/Registration, GSTIN, company PAN, director/proprietor ID proofs, and active bank account details.
  • Verification Standard: E2PAY HUB PRIVATE LIMITED reserves the right to reject, suspend, or request additional documentation at any time during account review or operation.
  • Information Accuracy: You agree to inform us of any structural changes in business ownership, registration status, or primary bank details within 7 days of such modification.

03. Payout Services & API Usage

E2PAY HUB provides software API interfaces and virtual account routing mechanism to facilitate instant business-to-consumer (B2C) and business-to-business (B2B) payout disbursements via IMPS, NEFT, RTGS, and UPI pipelines.

A. API Key Confidentiality

Merchants are solely responsible for maintaining the confidentiality of production secret keys, dashboard passwords, and IP whitelist rules. Any transaction authorized with your valid API secret key shall be deemed initiated by your account.

B. Execution Timing

While payouts are processed in real-time, actual fund delivery remains subject to banking partner availability, NPCI network operational statuses, and recipient bank clearing windows.

04. Fees, Billing & Wallet Balances

Payouts are executed against pre-funded merchant virtual wallet balances maintained on the platform.

  • Platform Charges: Service charges, API processing fees, and GST will be deducted per-transaction from your virtual balance according to your agreed merchant fee schedule.
  • Pre-Funding Requirement: Payouts will automatically fail or queue if your virtual account balance falls below the required transaction value plus applicable gateway fees.
  • Reconciliation & Reversals: In the event of a failed transfer or bank rejection, refunded amounts will be re-credited back to your virtual wallet balance upon receiving confirmation from the banking partner network.

05. Prohibited Business Activities

Merchants are strictly forbidden from utilizing E2PAY HUB services for illegal, high-risk, or unauthorized activities, including but not limited to:

Illegal Financial Schemes

Ponzi schemes, unauthorized multi-level marketing (MLM), illegal betting, gambling platforms, or unapproved forex trading.

Money Laundering & Scams

Routing funds derived from fraudulent schemes, phishing activities, money laundering, or unauthorized third-party collections.

06. Account Termination & Suspension

E2PAY HUB PRIVATE LIMITED reserves the right to immediately suspend or terminate merchant account access, freeze remaining wallet balances pending investigation, and notify law enforcement agencies if:

  • You violate any clause of these Terms of Service or provided false KYC information.
  • We receive directions or cybercrime notices from banking partners, RBI, or police departments regarding suspected fraud.
  • Abnormal transaction spikes occur that indicate account compromise or unauthorized activity.

07. Limitation of Liability

To the maximum extent permitted under law, E2PAY HUB PRIVATE LIMITED shall not be liable for any indirect, incidental, consequential, or lost profit damages resulting from banking network outages, server downtime, delayed NPCI clearing, incorrect recipient account numbers provided by the merchant, or unauthorized API key usage.

08. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes or claims arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in Gautam Buddha Nagar / Noida, Uttar Pradesh, India.