Order-locked UPI QR codes.
Money straight to your bank.

1. Introduction

This Privacy Policy describes how PAYQ ("we," "our," or "us") collects, utilizes, stores, and protects technical and account information when you access or use our Dynamic QR code generation software, merchant portal, and webhook dispatch APIs.

2. Information We Collect

To provide software functionality and security, we collect only necessary technical and merchant metadata:

• Merchant Profile: Business name, contact email address, phone number, and account login credentials.
• Settlement Configuration: The merchant's own bank-provided UPI VPA ID (used purely to encode the destination into the dynamic QR string).
• Order & Transaction Meta: Order ID, transaction amount, timestamp, customer mobile number (if passed by merchant), and 12-digit bank UTR reference numbers received for automated verification.
• Technical Logs: Server IP address, API request timestamps, user-agent details, and webhook delivery status codes.

3. Information We NEVER Collect or Store

Because PAYQ is not a payment gateway or payment processor:

• We never collect, prompt for, or store your or your customers' UPI PIN, MPIN, or NetBanking passwords.
• We never store Debit or Credit Card numbers, CVVs, or card expiry dates.
• We have no access to your bank balances, login credentials, or private banking access tokens.

4. How We Use Collected Information

• To generate real-time, amount-locked UPI dynamic QR codes and intent URLs based on your API requests.
• To dispatch HMAC-SHA256 signed real-time webhook notifications to your configured callback endpoints upon payment receipt.
• To provide your merchant portal with reconciliation logs, UTR records, and analytics.
• To monitor platform health, prevent abusive/malicious traffic, and safeguard API infrastructure.

5. Data Security & Encryption

We apply industry-standard security protocols to protect all transmitted data:

• TLS 1.3 / SSL Encryption: All traffic between your server, the customer checkout, and our APIs is encrypted in transit.
• Cryptographic Signing: Webhook payloads are signed with SHA-256 HMAC keys known only to you.
• Access Controls: Strict role-based firewall and access controls on all server infrastructure.

6. Third-Party Services

Payment transactions occur directly between the customer's UPI app (Google Pay, PhonePe, Paytm, BHIM, etc.) and the merchant's destination bank via NPCI. We do not sell, rent, or monetize your customer data with third-party advertisers.

7. Data Retention & Rights

Merchants may review, export, or request deletion of their account profile and API logs at any time by contacting support. Transaction metadata is retained only as long as necessary for audit and reconciliation purposes.

8. Contact & Grievance Officer

If you have questions regarding this Privacy Policy or your data, please contact our support team at support@payq.cc or via WhatsApp Support.

1. Acceptance of Terms

By registering for an account, accessing the merchant dashboard, or integrating the PAYQ API, you agree to be legally bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.

2. Description of Software Service

PAYQ operates as a Software-as-a-Service (SaaS) platform that enables registered merchants to:

• Generate dynamic, amount-locked UPI QR codes and UPI intent links for customer orders.
• Receive real-time automated server-to-server webhook callback events containing bank UTR numbers upon payment detection.
• View transaction analytics and reconciliation reports in the merchant dashboard.

3. Clarification of Non-Financial Role

You explicitly acknowledge and agree that:

• No Fund Handling: PAYQ does not hold, collect, escrow, or pool funds from your customers at any time. All customer payments transfer directly from the payer's UPI account into the merchant's designated bank account.
• 0% Platform Commission: We charge flat software subscription fees for platform usage and do not charge percentage-based transaction commissions.
• No UPI ID Provision: You must supply your own valid, bank-authorized UPI VPA ID to generate QR codes. PAYQ does not provide banking accounts or UPI merchant accounts.

4. Merchant Responsibilities & Acceptable Use

As a merchant using PAYQ, you agree to:

• Ensure all business activities and products sold comply fully with applicable laws and NPCI guidelines.
• Maintain the confidentiality of your API keys, webhook signing secrets, and dashboard login passwords.
• Prohibited Use: Strictly refrain from using the platform for illegal goods, unlicensed betting/gambling, money laundering, multi-level marketing (MLM) schemes, adult content, or unauthorized financial services.

5. Software Subscriptions & Billing

Access to the API and dynamic QR engine is billed on a periodic subscription basis (weekly, monthly, semi-annually, or annually) as outlined in our Pricing section. Subscriptions activate instantly upon confirmed payment.

6. Service Availability & Uptime

While we strive for 99.9% platform availability, PAYQ is provided on an "as is" and "as available" basis. We are not liable for transaction failures caused by NPCI banking network delays, customer bank server downtime, or third-party UPI app anomalies.

7. Limitation of Liability

To the maximum extent permitted by law, PAYQ and its operators shall not be liable for any direct, indirect, incidental, or consequential losses, including lost profits, chargebacks, or bank disputes between you and your customers. Our total aggregate liability is limited to the subscription fee paid by you in the 30 days preceding the claim.

8. Termination

We reserve the right to suspend or terminate merchant accounts without prior notice in the event of fraudulent activity, breach of these terms, or violation of applicable laws.

9. Governing Law

These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising hereunder shall be subject to the exclusive jurisdiction of the competent courts in India.

1. Software Subscription Fees

All payments made to PAYQ are for software subscription licenses, API quota, and server infrastructure access. Because software access and API credentials are provisioned instantly upon payment, subscription fees are generally non-refundable once activated.

2. Customer-to-Merchant Transactions

3. Subscription Cancellations

Merchants may choose not to renew their subscription at any time through the merchant dashboard. Upon subscription expiry, dynamic QR generation and webhook services will pause until renewal.

4. Technical Billing Errors

If you experience a duplicate charge or technical billing error, please contact our support team at support@payq.cc with your transaction reference. Verified duplicate charges will be refunded to the original payment source within 5–7 business days.