1. Definitions

• 1.1. "Customer" — Any person who contracts with you for the purchase of goods and/or services and makes a payment or remittance thereunder.
• 1.2. "Customer Payment Amount" — The amount paid by the Customer to you, using the Service, for the purchase of any goods and/or services.
• 1.3. "Processing Mechanism" — The payment mechanism through the internet or other modes of payment and delivery as may be notified by OonePe from time to time, including but not limited to Immediate Payment Service (IMPS), National Electronic Funds Transfer (NEFT), Real Time Gross Settlement (RTGS), and UPI.
• 1.4. "Transaction" — An electronic financial transaction undertaken using the OonePe Services.
• 1.5. "UPI" — The unified payment interface, a payment system that powers multiple bank accounts into a single payment network of participating banks, permitting the merging of several banking features, seamless fund routing, and merchant payments.

2. Eligibility

You expressly acknowledge and agree that:

• (i) You are a legal person.
• (ii) You are capable of entering and authorized to enter into a legally binding agreement.
• (iii) Your employees, officers, representatives, and other agents accessing OonePe are duly authorized to access the OonePe Service and to legally bind you to these terms.
• (iv) All registration information you submit is accurate and truthful.
• (v) You will maintain the accuracy of such information.
• (vi) You are not barred or otherwise legally prohibited from accessing or using OonePe's Services under the laws of India.
• (vii) You are an entity duly constituted and validly existing under Indian law.
• (viii) The use of the OonePe Services is permitted only for those who are physically located in India at the time of registration, linking to any offering forming part of the OonePe Services, and processing/undertaking a Transaction.

To avail of the OonePe Services, you must be a business entity holding an active Indian mobile number and bank account.

3. OonePe Services

OonePe has developed and owns software that enables processing payment services and Transactions through the Processing Mechanism for automated acceptance of payments. OonePe Services include:

• A dashboard service
• An API service
• Other value-added services such as loan facilitation services, bill payments, etc., as may be notified by OonePe from time to time at its sole discretion.

OonePe reserves the right to add, change, modify, discontinue, and/or remove OonePe Services, any terms, and/or any policy, temporarily or permanently, at its sole discretion, at any time, without notice and without liability.

4. Fees

In consideration of and subject to payment of the OonePe Fees, OonePe agrees to make available the OonePe Services to you. The quoted OonePe Fees are exclusive of any applicable taxes, all of which shall be your liability.

For Transactions undertaken via RuPay Credit Card through UPI and/or Credit Line on UPI, OonePe may classify you as a small merchant or other/large merchant and may levy MDR charges accordingly.

5. Payment Processing

By accepting these terms, you expressly authorize OonePe to hold, receive, disburse, and settle funds on your behalf. OonePe will process and transfer the payments received to the bank account you designate at registration.

OonePe will initiate the transfer of the relevant Customer Payment Amount received to the designated Merchant Account within T banking days after deduction of OonePe Fees and charges.

6. Merchant Obligations

• All information submitted to OonePe shall be maintained as true, correct, and accurate.
• You shall remain the legal and beneficial owner of the Merchant Account.
• All goods/services provided by you are lawful.
• You shall promote OonePe Services at your business location and on your website.
• Your activities comply with anti-bribery, anti-corruption laws, and JPL's policies.
• You adhere to UPI guidelines from NPCI, RBI, and other relevant authorities.
• You agree to provide KYC and relevant documents to OonePe as required.
• You shall not charge customers for using cards/UPI or impose minimum transaction limits.

7. Suspension & Termination

OonePe and its partners reserve the right to suspend services immediately, including withholding settlements that are suspicious or fraudulent, pending inquiry and/or resolution.

OonePe has the right to terminate these Terms, without cause and at will, by giving a prior written notice of 7 days.

8. Limitation of Liability

All Transactions processed through OonePe Services are non-refundable unless otherwise required by applicable law. OonePe is not a party to and shall not be responsible for any disputes, chargebacks, or reversals.

For any proven claims, the total liability of OonePe shall never exceed OonePe Fees for a 7 (seven) day period immediately preceding the date of the relevant claim.

9. Confidentiality

You shall not disclose any customer information accessed in relation to any Transactions. You agree to implement appropriate encryption and security measures to prevent unauthorized access.

You shall ensure that no person who has access to any OonePe Services shall reverse engineer, decompile, or disassemble any software shared by OonePe.

10. Force Majeure

Should either Party be delayed or prevented from performing any obligation by reason of acts of God, acts of government, acts of terrorism, strikes, lockouts, wars, epidemics, fires, storms, floods, explosions, technological failures, or other similar causes beyond control, such party shall be excused from performing such obligations.

11. Governing Law & Dispute Resolution

These terms shall be governed by the laws of India. Any Dispute not settled within 30 days shall be resolved by arbitration under the Arbitration and Conciliation Act, 1996, by a sole arbitrator appointed by OonePe. The seat of arbitration shall be New Delhi.

12. Dispute Escalation Matrix

Level 1: Registration of Complaint

Please click Contact Us. We aim to resolve all complaints within 10 business days.

Level 2: Customer Support Centre

Call +91 22 4896 9697. Our customer support aims to resolve all complaints within 10 business days.

Level 3: Grievance Redressal / Nodal Officer