Terms of Use

Welcome to Beyound BBPS Payments, a service provided by BeyoundExtra Tech Pvt Ltd (“Beyound”, “we”, “us”, or “our”). These Terms of Use (“Terms”) govern your access to and use of the Beyound platform solely for the purpose of making credit card payments for bills through the Bharat Bill Payment System (“BBPS”) operated by the National Payments Corporation of India (NPCI) (the “BBPS Payment Services”). By using the BBPS Payment Services, you agree to be bound by these Terms.

If you do not agree to these Terms, you must not use the BBPS Payment Services.

• Our Role

• Beyound is a technology platform that enables registered users (“Payers”) to make credit card payments for bills (such as electricity, water, gas, DTH, mobile postpaid, broadband, insurance premiums, loan EMIs, and other eligible categories) via the BBPS infrastructure. Beyound is a BBPS-enabled entity and integrates with NPCI’s BBPS to facilitate bill presentment, payment, and confirmation.

• We do not provide banking, lending, credit underwriting, financial advisory, or utility services. Our role is strictly that of a payment facilitator and bill aggregation intermediary.

• When you use the BBPS Payment Services, you confirm that:

• You are the legitimate bill payer for the bill you are attempting to pay.

• All information you provide (biller category, biller name, consumer number / customer ID, and payment amount) is accurate and complete.

• You have the authority to make the payment using the credit card you provide.

• Beyound does not verify or validate the accuracy of the bill details supplied by the biller or by you, nor does it guarantee the correctness of bill amounts fetched through BBPS. You remain solely responsible for ensuring that the payment is made to the correct biller and for the correct amount.

• Definitions

• Eligibility

• By registering for and using the BBPS Payment Services, you represent and warrant that:

• You are at least 18 years of age and legally competent to enter into binding contracts.

• You are not barred under applicable laws from using the Platform.

• You authorize Beyound to collect and verify your KYC details (PAN, Aadhaar, etc.) as required under applicable laws and NPCI guidelines.

• You are responsible for maintaining the accuracy and confidentiality of your account information.

• If you permit another person to use your account, you remain fully liable for their actions.

• Acceptable Use Policy

• You agree not to use the BBPS Payment Services for any unlawful or prohibited activity, including but not limited to:

• Making payments for bills that are not genuinely owed by you.

• Using the Platform to launder money or engage in any fraudulent activity.

• Providing false, misleading, or incomplete information.

• Attempting to circumvent Beyound’s security or verification measures.

• Using the Platform in any manner that violates applicable laws or regulations.

• Beyound reserves the right to suspend, restrict, or terminate your account immediately if it suspects misuse or non-compliance.

• KYC and Verification

• To comply with RBI, NPCI, and other regulatory requirements, Beyound may require you to provide KYC documentation, including but not limited to PAN, Aadhaar, proof of identity, or proof of address. Certain biller categories may also require additional verification.

• You are responsible for the accuracy and authenticity of all documents you provide. Beyound may reject or suspend any transaction if the required documents are invalid, incomplete, or unverifiable.

• Authorization and Payment Processing

• By initiating a Transaction, you authorize Beyound to:

• Debit your designated credit card (or other permitted payment method).

• Use the BBPS infrastructure to fetch your bill details (if bill fetch is performed) and route the payment (after deducting applicable fees and charges) to the respective biller via NPCI.

• Share necessary transaction information with NPCI, billers, payment gateways, and compliance authorities.

• If a Transaction fails (e.g., due to incorrect consumer details, insufficient funds, or technical error), Beyound will refund the amount (after deducting applicable gateway charges and taxes) to your source account in accordance with our Cancellation and Refund Policy.

• Transaction Terms

• Bill Fetch: When you request to view a bill, Beyound will query the biller through BBPS. The bill amount and due date displayed are provided by the biller and are not independently verified by Beyound.

• Accuracy: You are solely responsible for ensuring that the consumer number / customer ID entered matches the biller’s records. Payment made to an incorrect account is your responsibility.

• Misdirected Payments: Beyound is not liable for payments misdirected due to your error. If you realise an error, you must contact us immediately; we will attempt to assist, but cannot guarantee recovery.

• Fraudulent Activity: If a Transaction is found to be fraudulent or unauthorised due to your negligence (e.g., sharing credentials), you bear responsibility. Beyound may block your account and report the matter to authorities.

• Suspension or Cancellation: Beyound may delay, suspend, or cancel any Transaction if it suspects fraud, security threats, or regulatory violations.

• Fees and Charges

• Transaction Fee: Beyound charges a convenience / service fee per Transaction. The applicable fee is disclosed at the time of payment and may vary based on the biller category or promotional offers.

• Third-Party Charges: Any additional fees imposed by your card issuer, bank, payment network, or NPCI shall be borne by you.

• Fee Revisions: Beyound reserves the right to revise its fees with prior notice via in-app or email communication. Continued use of the BBPS Payment Services after the effective date of revised fees constitutes your acceptance.

• Rewards and Cashback

• Beyound may offer cashback or reward programs for eligible BBPS Transactions. Such offers are governed by the specific terms displayed within the app at the time of the offer.

• Eligibility: Only Transactions meeting the stated criteria qualify.

• Disbursal: Cashback will be credited as per the campaign terms.

• Modification: Beyound may modify, withdraw, or discontinue any reward program at its sole discretion without prior notice.

• Reversal: Cashback credited erroneously or resulting from invalid Transactions may be reversed without notice.

• Tax Compliance

• You are solely responsible for complying with all applicable tax laws. Beyound does not compute, deduct, or remit TDS on your behalf. Any liability, penalty, or consequence arising from non-compliance with tax obligations rests entirely with you.

• Refunds and Chargebacks

• Refunds: If a Transaction fails before funds are settled to the biller via BBPS, the amount (minus applicable gateway charges and taxes) will be refunded to your source account. Refunds are processed in accordance with the Beyound Cancellation and Refund Policy.

• No Refund After Settlement: Once the funds have been successfully credited to the biller’s account through BBPS, Beyound will not process a refund. Any refund arrangement must be made directly between you and the biller.

• Chargebacks: If you dispute a Transaction with your card issuer and a chargeback is initiated, you agree to cooperate with Beyound in the investigation. If the chargeback is successful, the biller will be liable to reimburse Beyound for the amount and any associated penalties. Failure to cooperate may result in suspension of your account.

• Wrongful or Excess Credits

• In the event that funds are wrongfully credited to your account or a biller’s account (e.g., due to a technical error or duplicate payment), Beyound reserves the right to:

• Reverse or recover such excess or wrongful amounts without your consent; and

• Suspend or place future payments on hold until the recovery is completed.

• You agree that any wrongful credit does not create a valid claim in your favour and you will cooperate fully in facilitating the reversal or recovery.

• Limitation of Liability

• To the maximum extent permitted by law:

• Beyound shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the BBPS Payment Services.

• Beyound is not responsible for disputes between you and any biller, nor for errors caused by inaccurate information provided by you or by the biller through BBPS.

• Beyound’s aggregate liability arising out of or related to these Terms shall not exceed the total fees paid by you for the disputed Transaction.

• Force Majeure

• Beyound shall not be held liable for any delay or failure to perform its obligations due to causes beyond its reasonable control, including but not limited to natural disasters, government actions, cyberattacks, network outages, failures of NPCI or BBPS, or failures of third-party service providers.

• Termination of Access

• Beyound may, at its sole discretion, suspend or terminate your access to the BBPS Payment Services without notice if:

• You breach these Terms.

• You engage in fraudulent, illegal, or abusive activity.

• Required by law or regulatory directive (including NPCI).

• There are security concerns.

• Upon termination, any pending Transactions may be cancelled and any refunds (if applicable) processed in accordance with the Cancellation and Refund Policy.

• Governing Law and Dispute Resolution

• These Terms are governed by the laws of India.

• Arbitration: Any dispute arising out of or relating to these Terms shall be settled by a sole arbitrator appointed under the Arbitration and Conciliation Act, 1996. The seat and venue of arbitration shall be Bengaluru, India. The language of the arbitration shall be English.

• Jurisdiction: Subject to the arbitration provision, the courts of Bengaluru shall have exclusive jurisdiction.

• Indemnity

• You agree to indemnify and hold harmless Beyound, its directors, employees, and affiliates from any loss, claim, penalty, or damage arising out of or related to:

• Your misuse of the BBPS Payment Services.

• Provision of false or inaccurate information.

• Your non-compliance with applicable laws.

• Any dispute between you and a biller.

• Waiver of Rights

• To the fullest extent permitted by law, you waive any claims against Beyound for loss or liability arising from:

• Unauthorised access or misuse of your data, except where caused by Beyound’s gross negligence.

• Disputes with billers or third parties.

• Errors in transaction details entered by you.

• Modification of Terms

• Beyound reserves the right to modify, amend, or replace these Terms at any time without prior notice. Any changes will be published on the Platform, and the “Last Updated” date will be revised. Your continued use of the BBPS Payment Services after the effective date constitutes acceptance of the modified Terms.

• Grievance Redressal

• If you have any queries, concerns, or complaints regarding the BBPS Payment Services, you may contact our Grievance Team:

• Email: support@beyound.in Customer Support Hours: 24×7

• If your grievance is not resolved to your satisfaction, you may escalate to the Grievance Redressal Officer:

• Mr. Vinod Kumar Email: vinod@beyound.in Phone: +91 8069240024 Address: First Floor, Building No. 138, 4th Main Road, Industrial Town, Rajajinagar, Bangalore North, Bangalore – 560010, Karnataka, India

• We will acknowledge your complaint within 48 hours and strive to resolve it within 7 working days.

• Acceptance

• By using the Beyound BBPS Payment Services, you acknowledge that you have read, understood, and agreed to these Terms of Use and the associated Privacy Policy. If you do not agree, you must discontinue use immediately.

BeyoundExtra Tech Pvt Ltd

Contact: support@beyound.in