Terms of use

Eligibility

By signing up with Rediff Pay and using the Rediff Pay Services, you confirm the following:

You have the legal capacity to enter into a binding agreement;
You are not restricted or otherwise legally disallowed from using the Rediff Pay App and its Services;
You consent to retrieve your Credit score through Rediff Pay Information Companies using the Rediff Pay App and agree to share this score with Rediff Pay. The score may be utilized by Rediff Pay to assess your eligibility for various Rediff Pay Services. Rediff Pay reserves the right, at its sole discretion, to restrict Users from accessing the Rediff Pay App or Platforms entirely or partially if their Credit score falls below the minimum threshold set by Rediff Pay, which may change over time;
If you joined the Rediff Pay App on or before January 1, 2025, you confirm that you were at least 18 years old at the time of registration; and If you permit others to use your account, including individuals under 21 years of age, you are responsible for ensuring their compliance with these Terms of Use. You will be held accountable for any actions they take through your account. You also acknowledge that Rediff Pay is not obligated to verify if you meet the stated eligibility criteria.

Please review these terms and conditions carefully before registering for, accessing, or using the services provided through the Rediff Pay website, Rediff Pay App, or other platforms operated by Rediff Pay Group Entities. These terms form a legal agreement ("Terms of Use") between you and Rediff.com India Limited ("Rediff Pay"), having registered office at Level 10, Seasons Riddhi Siddhi, Jn of Tilak Road and 1st Gaothan Lane, Santacruz (West), Mumbai- 400054, Maharashtra, India. By using the Rediff Pay Services, you confirm that you have read and understood these Terms of Use. If you do not accept or agree to these terms, you must discontinue the Services and uninstall the Rediff Pay App immediately.

1. Definitions

"Rediff Pay," "We," "Us," "Our" refer to Rediff Pay and its affiliated entities.
"You," "Yours," "Yourself," "User" refer to any individual, prospective user, or registered user of Rediff Pay and its affiliated entities, including but not limited to customers and business partners.
"Rediff Pay App" refers to the mobile application(s) operated by Rediff Pay and its affiliates to deliver services to users and business partners.
"Rediff Pay Group Entities" include subsidiaries and associated companies of Rediff Pay.
"Rediff Pay Platform" encompasses any platform owned, licensed, or utilized by Rediff Pay or its affiliated entities, including (but not limited to) the Rediff Pay Website, the Rediff Pay App, other mobile applications, devices, URLs/links, notifications, chatbots, social media channels, or any other communication methods employed by Rediff Pay or its affiliates to provide services to users.
"Rediff Pay Website" refers to https://www.pay.rediff.com or any other site registered or hosted by Rediff Pay or its affiliated entities.
"Rediff Pay Services" comprise all present and future offerings provided by Rediff Pay and its affiliated entities, either directly or through its business partners. These services include, but are not limited to, Rediff Pay News Services, Rediff Pay Shopping, Rediff Payit Card Bill Payment Services, Rediff Pay Wallet Services, Rediff Pay Moneywiz Services, Rediff Pay Pay Services, and Rediff Pay Store Services. For merchants, this also covers Payment Aggregator Services.
"Commercial Partner" denotes any individual or organization with whom Rediff Pay or its affiliated entities maintain a contractual arrangement. This may include, but is not limited to, entities offering rewards on the Rediff Pay App, sellers, lenders, Rediff Pay Pay merchants, and others.
"Sellers" are entities that provide goods for sale to users through the Rediff Pay Store.
"Terms of Use" or "Terms and Conditions" refer to these terms, including any associated supplemental terms, and are used interchangeably.

2. Your Use of Rediff Pay

By accessing and utilizing Rediff Pay Services, you agree to the following terms:

Unless explicitly authorized in writing by Rediff Pay, you are allowed to maintain only one account.
Your use of the Rediff Pay App and related platforms must adhere to all applicable laws and regulations.
The Rediff Pay App and platforms are intended solely for your personal use.
Any information you provide during registration must be accurate, truthful, and complete. You also agree to keep your account details current and up to date.
You are accountable for all activities performed through your account.
You are responsible for safeguarding the confidentiality of your account credentials and for any actions taken using your account. If your passcode or account security is compromised, you must inform Rediff Pay immediately.
You assume full responsibility for all transactions carried out through your account. This includes, but is not limited to, situations where you knowingly or negligently:
- Allow another person to access the Rediff Pay App.
- Permit others to perform transactions using your account.
- Conduct transactions on behalf of someone else, including sharing one-time passwords or other methods.
You agree not to engage in actions such as reverse engineering, decompiling, disassembling, or tampering with the content of the Rediff Pay App. Furthermore, you must not remove or alter any intellectual property rights associated with the Rediff Pay App, including copyrights, trademarks, trade secrets, designs, patents, or other proprietary notices.
You must not use or access the Rediff Pay App in ways that:
- Disrupt or harm the functioning or content of the Rediff Pay App.
- Violate any applicable laws or regulations.
- Negatively impact Rediff Pay, its users, or its business partners.
- Interfere with other users' experience or enjoyment of the Rediff Pay App.
- Commit fraud against Rediff Pay, its users, or its business partners.
You are prohibited from transmitting, posting, or distributing software or files containing viruses, harmful components, or malicious content. Any actions that damage the Rediff Pay App, disrupt associated networks, or interfere with others' use of the App are strictly forbidden.
You shall not delete, modify, or alter any content within the Rediff Pay App.
By using the Rediff Pay App, you consent to the automatic installation of updates (such as patches, bug fixes, enhancements, or new versions) to ensure the smooth operation of Rediff Pay services. Your continued use of the App after such updates implies your acceptance of them.
You acknowledge that not all products, services, or rewards available on the Rediff Pay App may be accessible in every region. Your eligibility for these offerings may vary, and Rediff Pay reserves the sole right to determine availability and eligibility for any product, service, or reward offered on its platforms.
If your device is lost or stolen, you agree to promptly notify Rediff Pay to block your account and reset your passcode to prevent unauthorized access.
If you purchase insurance policies through the Rediff Pay App, you agree that the nominee for these policies will default to your legal heirs unless otherwise specified. To update nominee details, you must contact the respective insurance provider directly. Rediff Pay and its affiliates are not liable for changes to nominee information.
For insurance policies obtained through the Rediff Pay App, you consent to insurance partners accessing your medical records from healthcare providers, hospitals, or previous employers to assess your physical or mental health. You also authorize these partners to share your medical information with regulatory bodies or for underwriting and claims processing. Insurance partners may contact you regarding your policy, services, claims, or other related matters.

3. Violation of Terms of Use or Suspicious Activity

If we determine that you have breached these Terms of Use, the Privacy Policy, the Supplemental Terms, or any agreements accepted through the Rediff Pay App, we reserve the right to:

Suspend your access to the Rediff Pay App.
Terminate your account without prior notice.
Reverse transactions carried out by you.

If suspicious or unusual activity is identified in your account, we may temporarily or permanently restrict your access to Rediff Pay Services and reverse associated transactions. Rediff Pay also reserves the right to take similar action in cases where users:

Exploit features, offers, or rewards dishonestly—for example, placing orders with no intent to receive them or canceling most or all of the orders deliberately.
Use features in ways that deviate from their intended purpose.
Artificially manipulate transaction volumes, such as splitting payments into numerous smaller transactions.
Attempt to bypass fair usage limitations.
Gain improper, unethical, or unfair advantages over other users or partners.
Intentionally cause harm or financial loss to Commercial Partners or Rediff Pay.

Rediff Pay may request additional documents, such as your Permanent Account Number (PAN), to verify your account or activities. Failure to provide the requested information may result in account suspension, transaction reversals, or restrictions on App usage.

If your account is suspended or deleted, you can reach out to the Rediff Pay support team for assistance or to address any related concerns.

4. Account Termination or Deletion

You can end your agreement with Rediff Pay at any time by deactivating your account and discontinuing the use of its services. The Rediff Pay App allows you to request the removal of a specific card linked to your account or to deactivate or delete your account entirely through the support section.

Upon account termination or deletion, whether initiated by you or Rediff Pay:

The agreement between you and Rediff Pay is considered terminated.
Rediff Pay may retain transaction records for regulatory or archival purposes.
Any obligations entered into before termination, such as loan repayments, remain enforceable.

Even after your account is deleted or terminated, Rediff Pay will retain a record of your transactions to comply with regulatory and archival requirements.

5. Privacy

Your personal information is collected, stored, used, and shared in accordance with Rediff Pay's Privacy Policy. By accepting these Terms of Use, you also agree to the Privacy Policy, which may be updated from time to time.

You acknowledge that, as permitted by law, any data you provide in connection with Rediff Pay Services may:

Be shared with Rediff Pay's subsidiaries, affiliates, or partners.
Be used by Rediff Pay to improve existing services or develop new offerings.

For more details, please refer to the Privacy Policy.

6. Fees

You are responsible for any fees associated with specific transactions or services on the Rediff Pay App. These fees will be clearly displayed before you complete any transaction. By selecting options like “Proceed,” “Submit,” or “Continue” on the Rediff Pay App, you confirm your acceptance of the fees as outlined on the relevant page.

7. General UPI Refund Policy

Failed Transactions:

If a UPI transaction fails but the amount is debited, it is usually auto-refunded within 5-7 working days. If the amount is not credited back, you can raise a complaint via the UPI app or your bank. Wrong Transaction (Sent to Wrong UPI ID/Number):

UPI transactions are instant and irreversible unless the recipient voluntarily refunds the amount. You can try contacting the receiver and request a refund.

If the receiver refuses, you may lodge a complaint with your bank, but recovery is not guaranteed. Fraudulent Transactions (Unauthorized Debit):

Report the fraud immediately to your bank and the UPI app's customer support.

File a complaint through NPCI's Dispute Resolution Mechanism or your bank's grievance portal or the authorities. Banks usually investigate such cases, but refunds depend on the circumstances.

Merchant Payments (Failed or Incorrect Deduction):

If a UPI payment to a merchant fails but money is debited, the refund usually happens within 3-5 working days.

If the refund doesn't process, raise a dispute in the UPI app or contact the merchant's customer support.

How to Request a Refund?

Use the "Help" or "Raise Dispute" option in the UPI app.

Contact your bank's customer service and provide transaction details.

If unresolved, escalate to the Banking Ombudsman or NPCI (https://www.npci.org.in).

8. Disclaimer

The Rediff Pay Services, along with all content, software, materials, and information accessible through the Rediff Pay Platform, are provided on an "as is" basis. Rediff Pay, its affiliates, and partners do not make any guarantees or warranties regarding the functionality, content, or reliability of its services.

Specifically, Rediff Pay does not warrant that:

The features, content, or services of the Rediff Pay App, including those of third-party sites linked through the App, will be uninterrupted, timely, or error-free.
Any defects or errors will be resolved or corrected.
The App or its servers are free of viruses or harmful components.

Additionally, you acknowledge that payment transactions facilitated via the Rediff Pay App are solely between the sender (User initiating the payment) and the recipient (User receiving the payment). Rediff Pay does not guarantee the quality, performance, or fulfillment of goods, services, or commitments by the recipient and is not responsible for any non-compliance with these Terms by other users or partners.

You accept all risks associated with transactions and are advised to exercise due diligence before proceeding with payments through the Rediff Pay App.

9. Limitation of Liability

Rediff Pay, its affiliates, officers, shareholders, subsidiaries, directors, employees, agents, partners, licensors, contractors, and other associated parties shall not be liable to you or any third party for any indirect, incidental, special, consequential, or punitive damages. This includes, but is not limited to, losses related to data, profits, goodwill, or other intangible assets, even if Rediff Pay was advised of the possibility of such damages.

This limitation applies under all legal theories, including breach of contract, warranty, negligence, or tort, arising from your use of the Rediff Pay App, Platforms, or Services.

The maximum aggregate liability of Rediff Pay and its affiliated entities for any damages, losses, or claims resulting from your use of the Rediff Pay App, Platforms, or these Terms of Use shall not exceed INR 10,000 (Indian Rupees ten thousand only).

10. Indemnity

You agree to indemnify, defend, and hold harmless Rediff Pay, its affiliates, officers, directors, employees, agents, partners, contractors, and other associated third parties ("Indemnified Parties") against any claims, damages, liabilities, losses, costs, or expenses (including legal fees) arising from:

Your use of or access to the Rediff Pay App and Platforms.
Your violation of these Terms of Use.
Infringement of third-party rights, including intellectual property or privacy rights.
Engagement in prohibited activities as described in these Terms.
Non-compliance with applicable laws, including tax or cybersecurity regulations.
Any claims that your use of the Rediff Pay App caused harm to a third party.

11. Disputes and Arbitration

By using the Rediff Pay App, Platforms, and Services, you acknowledge that Rediff Pay is not a party to disputes between you and Commercial Partners, other users, or recipients of transferred funds. Although Rediff Pay is not obligated to mediate, it may assist in facilitating communication between disputing parties at its discretion.

All disputes related to Rediff Pay Services or these Terms of Use are governed by Indian law, except where Rediff Pay's decisions are final under these terms.

For disputes initiated by users:

Contact Rediff Pay customer support via the App.
If unresolved, escalate through the Grievance Redressal Form.
If still unresolved within 60 days, the dispute may proceed to arbitration under the Arbitration and Conciliation Act, 1996.

For disputes initiated by Rediff Pay:

Rediff Pay may directly initiate arbitration under the same Act.

Arbitration Details:

A sole arbitrator, appointed by Rediff Pay, will conduct the proceedings.
The arbitration venue will be Mumbai, Maharashtra, India.
Proceedings will be conducted in English.

12. Confidentiality:

All arbitration-related materials—documents, correspondence, orders, and awards—will remain confidential and not disclosed to third parties without prior written consent, except when required for arbitration proceedings. In such cases, third parties must agree to confidentiality in writing.

13. Use and Protection of Intellectual Property Rights

The Rediff Pay App, Website, logos, and Services are protected under intellectual property laws, including copyrights, trademarks, patents, and trade secrets. You may not copy, reproduce, republish, upload, post, transmit, or distribute any content or materials from the Rediff Pay App without explicit written permission from Rediff Pay.

You are granted a limited license to use the Rediff Pay App and Platforms, provided you comply with these Terms of Use.

Ownership:

Rediff Pay, its affiliates, and its licensors exclusively own the software, source code, and all intellectual property rights associated with the Rediff Pay App, Platforms, and their content.

Content License:

By uploading, submitting, or transmitting content through the Rediff Pay App, you grant Rediff Pay and its affiliates a worldwide, perpetual license to:

Use, store, reproduce, modify, create derivative works, publish, publicly display, perform, and distribute your content.

This license is granted for the operation, promotion, and improvement of Rediff Pay Services and the creation of new ones. The license remains valid even after you stop using the services.

14. Tax Liability

You agree to comply with all applicable tax laws regarding your use of Rediff Pay Services, including reporting and paying any taxes related to payments or income received through the Rediff Pay App. Rediff Pay may:

Deduct tax at source from winnings, cashback, or balances.
Request your Permanent Account Number (PAN) or other necessary documentation before processing cashback or winnings, as required by law.

15. Governing Law and Jurisdiction

All matters related to the Rediff Pay App, Services, transactions, and relationships are governed by Indian law.

Subject to the Disputes & Arbitration Clause, all claims or disputes will fall under the exclusive jurisdiction of the courts in Mumbai,Maharashtra, India.

16. Assignment

You may not transfer or assign any of your rights or obligations under these Terms of Use.
Rediff Pay may assign or transfer its rights and obligations to:
i. Another Rediff Pay Group Entity.
ii. An acquirer of Rediff Pay or its affiliates, including equity interests, business, or assets.
iii. A successor entity resulting from corporate actions such as mergers or demergers.

17. General

These Terms of Use do not create a joint venture, partnership, employment, or agency relationship between you, Rediff Pay, or any third party.
If any provision of these Terms is deemed illegal, invalid, or unenforceable, that provision will be removed. The remaining terms will remain valid and enforceable.
Rediff Pay will replace any invalid or unenforceable provisions with a valid one that closely mirrors the original intent.
These Terms of Use, along with any additional terms displayed within the Rediff Pay App or Website, constitute the complete agreement between you and Rediff Pay, superseding all prior agreements.

18. Updates to Terms of Use

Rediff Pay reserves the right to update these Terms of Use at any time by posting a revised version on the Rediff Pay Website.
The updated Terms take immediate effect upon posting.
If you disagree with the updated Terms, you may stop using the Rediff Pay App. Continued use of the Services after the updates are posted will indicate your acceptance of the revised Terms.
It is recommended to periodically review the Terms to stay informed about changes.

19. Contact Us

If you have any concerns, complaints, or grievances regarding these Terms of Use, other users, or how Rediff Pay handles your personal information, you can reach out to customer support through the Rediff Pay App or Rediff Pay's official social media channels.

If your concerns are not resolved satisfactorily, you may contact the Grievance Redressal Officer:
Designation: Grievance Officer
Email id: grievanceofficer@rediff-inc.com

T&C of the TPAPs under UPI

What is NPCI?

NPCI is an authorized payment system operator by RBI. NPCI owns and operates UPI payment system.

What is PSP bank?

PSP is the banking company authorized to act as a Payment Service Provider (PSP) under the UPI framework. PSP engages the TPAP to provide UPI services to the end-user customers.

What is TPAPs?

Third Party Application Provider (TPAP) is an entity that provides the UPI compliant app(s) to the end-user customers to facilitate UPI based payment transactions.

What is Customer's Bank?

The Bank where the end-user customer maintains his/her account that has been linked for the purpose of debiting/crediting the payment transactions made through UPI.

Who is End User Customer?

The end-user customer is the individual who uses UPI payment facility to send and receive payments.

We hereby confirm that:

We Rediff.com India Limited are a TPAP authorized by NPCI to facilitate payments through PSP Bank(s) namely Axis Bank Limited. We are a service provider and we participate in UPI through the PSP Bank.
We are bound by the tripartite agreement entered with the sponsor PSP Bank, Axis Bank Limited (name of the PSP bank(s) to be added) and NPCI. We are responsible for facilitating grievances / complaints resolution of the customers on-boarded on our UPI application.
We shall be the first point of contact for all UPI related grievances/complaints for customers on-boarded by us. In case the complaint/grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where you maintain the account) and NPCI in the same order. After exercising these options you can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

Roles & Responsibilities of NPCI

NPCI owns and operates the Unified Payments Interface (UPI) platform
NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement
NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI
NPCI provides a safe, secure and efficient UPI system and network
NPCI provides online transaction routing, processing and settlement services to members participating in UPI
NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI
NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

Roles & responsibilities of PSP Bank

PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments
PSP Bank, either through its own app or TPAP's app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.
PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP's app
PSP Bank engages and on-boards the TPAPs to make the TPAP's UPI app available to the end-user customers
PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform
PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security
PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India
PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer's UPI ID.
PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer

Roles & responsibilities of TPAP

TPAP is a service provider and participates in UPI through PSP Bank
TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP's participation in UPI
TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform
TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP's participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard
TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India
TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI
TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP's grievance redressal facility made available through TPAP's UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

Dispute Redressal Mechanism

Every end-user customer can raise a complaint with respect to a UPI transaction, on the PSP app / TPAP app.
End-user customer can select the relevant UPI transaction and raise a complaint in relation thereto
A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances / complaints of the end-user customers on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app). In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.
The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions
The end-user customer shall be kept communicated by the PSP / TPAP by means of updating the status of such end-user customer's complaint on the relevant app itself

Annexure A (Supplementary Terms) and Annexure B (Applicable PSP Bank Terms & Conditions) form an integral part of these Terms & Conditions and shall be read together with and constitute a single agreement governing the User's use of the RediffPay UPI Services.

Annexure A - Supplementary Terms

1. DEFINITIONS

Unless the context otherwise requires:

"Application" means the RediffPay mobile application offering UPI-enabled payment services.

"Bank Account" means a savings, current or other eligible account maintained by the User with a UPI-enabled bank.

"Beneficiary" means a person or merchant receiving funds through UPI.

"Issuer Bank" means the bank maintaining the User's linked account.

"NPCI" means the National Payments Corporation of India.

"PSP Bank" means the Sponsor/Payment Service Provider Bank partnering with RediffPay for providing UPI services.

"RediffPay" means Rediff.com India Limited acting solely as a Third Party Application Provider (TPAP).

"Services" means all UPI-enabled payment services made available through the Application.

"Transaction" means every payment, collection request, merchant payment, mandate, AutoPay instruction or any other UPI transaction initiated through the Application.

"UPI" means the Unified Payments Interface developed and operated by NPCI.

"UPI ID" / "Virtual Payment Address (VPA)" means the unique identifier linked to a User's bank account for carrying out UPI transactions.

"UPI PIN" means the confidential authentication credential generated by the User for authorizing UPI transactions.

"User" means any individual or entity using the Application after successful registration.

2. ELIGIBILITY

2.1 The Services are available only to Users who:

possess legal capacity to enter into a binding contract under applicable laws;
maintain an eligible bank account with a UPI-enabled bank;
have a mobile number registered with their respective bank;
satisfy KYC and other eligibility requirements prescribed by their bank and applicable law.

2.2 RediffPay may refuse, suspend or terminate access where:

eligibility conditions are not satisfied;
fraudulent or suspicious activity is detected;
required regulatory directions are received;
continued usage may expose RediffPay, NPCI or Sponsor Bank to risk.

2.3 Availability of certain Services shall depend upon support provided by the User's Bank, NPCI and other participating ecosystem entities.

3. REGISTRATION AND ACCOUNT LINKING

3.1 Users may register using their mobile number registered with their bank.

3.2 During registration, the Application may retrieve eligible bank accounts through NPCI solely for enabling account linking.

3.3 Users shall ensure that:

all information furnished is true and accurate;
their registered mobile number remains active;
account information remains updated.

3.4 RediffPay does not open bank accounts nor does it maintain customer deposits.

3.5 Successful registration does not guarantee uninterrupted access to Services.

4. UPI ID (VPA) CREATION

4.1 Upon successful registration, Users may create one or more UPI IDs subject to NPCI guidelines.

4.2 RediffPay reserves the right to reject or suspend any UPI ID which:

infringes trademarks;
impersonates another individual;
contains abusive, obscene or offensive expressions;
violates applicable laws or NPCI guidelines.

4.3 Ownership of a UPI ID shall not confer any proprietary rights upon the User.

4.4 RediffPay may modify or deactivate any UPI ID where required under law or regulatory directions.

5. DEVICE BINDING AND AUTHENTICATION

5.1 The Application may perform device binding using the registered SIM, device identifiers and other authentication mechanisms prescribed by NPCI.

5.2 Users acknowledge that access to Services may be restricted where:

the registered SIM is removed;
device integrity is compromised;
rooting, jailbreaking or unauthorized modifications are detected.

5.3 Users shall ensure that:

the device remains secure;
operating system updates are installed;
unauthorized applications are not used.

5.4 RediffPay shall not be responsible for losses arising due to compromise of the User's device.

6. UPI PIN

6.1 Every financial transaction shall require authentication using the UPI PIN or such other authentication mechanisms permitted under applicable regulations.

6.2 The UPI PIN is generated, validated and securely processed through NPCI and the User's Issuer Bank.

6.3 RediffPay never stores or has access to the User's UPI PIN.

6.4 Users shall:

never disclose the UPI PIN;
never share OTPs;
immediately report suspected compromise.

6.5 Any transaction authenticated using the correct UPI PIN shall be deemed authorized unless otherwise established under applicable law.

7. BIOMETRIC AUTHENTICATION

7.1 Users may enable biometric authentication (fingerprint, facial recognition or equivalent methods) where supported by their device.

7.2 Biometric information is processed solely by the User's device operating system.

7.3 RediffPay neither stores nor has access to biometric data.

7.4 Users acknowledge that any person whose biometrics are enrolled on the device may be capable of authorizing transactions.

7.5 Users may disable biometric authentication at any time through device settings or the Application, wherever available.

8. LOCATION PERMISSION AND GEOGRAPHICAL INFORMATION

8.1 Optional Consent

The RediffPay Application may request the User's consent to access the device's location or geographical information solely for purposes permitted under applicable laws, regulatory directions and the guidelines issued by the National Payments Corporation of India ("NPCI"). Granting such permission is entirely voluntary and shall not be a mandatory requirement for registration or use of the UPI Services.

8.2 Withdrawal of Consent

A User who has previously consented to sharing location or geographical information may withdraw such consent at any time through the device settings, the Application (where such functionality is available), or any other mechanism made available by RediffPay. Withdrawal of such consent shall not result in denial, suspension or discontinuation of UPI Services that are otherwise available to the User.

8.3 Continued Availability of Services

If a User chooses not to grant, or subsequently withdraws, consent for sharing location or geographical information, RediffPay shall continue to provide UPI Services, subject to applicable laws and operational requirements. Refusal or withdrawal of such consent shall not by itself affect the User's ability to access or use UPI Services.

8.4 Accuracy of Location Information

Where the User voluntarily provides consent for sharing location or geographical information, the User acknowledges that the Application may collect and transmit such information to the UPI ecosystem, including NPCI or other authorised participants, where required under applicable regulatory or operational requirements. RediffPay shall use reasonable efforts to ensure that the location information transmitted is accurate and corresponds to the information captured from the User's device.

8.5 Scope of Applicability

This clause applies only to domestic UPI transactions initiated by an individual payer and shall be subject to the applicable directions, circulars and guidelines issued by NPCI, RBI or any other competent authority, as amended from time to time.

8.6 Location Consent Privacy

Location information, where collected with the User's consent, shall be processed only for purposes permitted under applicable law and regulatory requirements.

9. Privacy, Data Processing and Consent

9.1 RediffPay may collect, use, store, process and share the User's personal information, payment information, device information and other information necessary for providing the UPI Services, preventing fraud, complying with applicable laws, resolving disputes, and fulfilling regulatory and operational requirements.

9.2 Personal data shall be processed in accordance with the Digital Personal Data Protection Act, 2023, applicable rules framed thereunder, and other applicable laws. RediffPay shall process such data only for lawful purposes and shall implement reasonable security safeguards to protect such information.

9.3 Where consent is required under applicable law or regulatory requirements, RediffPay shall obtain such consent and permit the User to withdraw the same, where applicable, without affecting the availability of UPI Services, except to the extent the processing is necessary for compliance with law or for providing the requested Services.

9.4 RediffPay may disclose or share information with the applicable PSP Bank, Issuer Bank, NPCI, RBI, government authorities, regulators, law enforcement agencies, service providers and other authorised entities where required for providing the UPI Services, complying with applicable laws, preventing fraud, or pursuant to a lawful request.

9.5 Personal data shall be retained only for such period as may be required under applicable laws, regulatory directions, contractual obligations or legitimate business purposes, following which it shall be securely deleted or anonymised, wherever applicable.

10. Fraud Monitoring (After Transaction Processing)

RediffPay may monitor transactions and account activity for the purpose of detecting, preventing and investigating suspected fraud, unauthorised transactions, money laundering, cyber security incidents or other unlawful activities. RediffPay may temporarily suspend, decline or restrict any transaction or access to the Services where required by applicable law, regulatory directions or internal risk management processes.

9. TRANSACTION PROCESSING

9.1 RediffPay acts solely as a TPAP facilitating initiation of UPI transactions.

9.2 Final authorization, debit and credit of funds are performed by participating banks through NPCI.

9.3 Transactions shall be processed subject to:

availability of banking systems;
NPCI network;
regulatory restrictions;
transaction limits;
fraud monitoring controls.

9.4 A transaction once successfully authorized generally cannot be reversed except in accordance with NPCI procedures or applicable law.

9.5 RediffPay does not guarantee completion of every transaction.

9.6 Delays may occur due to:

banking system downtime;
technical failures;
telecommunications disruptions;
force majeure events;
regulatory interventions.

10. UPI LITE

10.1 Where supported by the User's Bank and enabled by NPCI, the Application may provide UPI Lite functionality.

10.2 UPI Lite enables low-value transactions in accordance with limits prescribed by NPCI and RBI from time to time.

10.3 Users acknowledge that:

(a) certain UPI Lite transactions may not require UPI PIN authentication; (b) transaction limits shall be governed by NPCI; (c) available balance within UPI Lite shall remain subject to NPCI operating rules.

10.4 RediffPay reserves the right to enable, modify or discontinue UPI Lite functionality in accordance with regulatory directions.

10.5 Users shall remain responsible for all transactions carried out through their enabled UPI Lite account.

Annexure B - Applicable PSP Bank Terms & Conditions

RediffPay provides Unified Payments Interface ("UPI") services as a Third Party Application Provider ("TPAP") in partnership with one or more Payment Service Provider Banks ("PSP Banks") participating in the UPI ecosystem.

The User acknowledges and agrees that the UPI Services made available through the RediffPay Application are governed not only by these Terms and Conditions, but also by the applicable terms and conditions, operating procedures, policies, circulars and guidelines issued by the relevant PSP Bank, the User's Issuer Bank, the National Payments Corporation of India ("NPCI"), the Reserve Bank of India ("RBI"), and other applicable statutory or regulatory authorities, as amended from time to time.

The applicable PSP Bank Terms & Conditions are incorporated by reference into these Terms and, to the extent applicable, shall form an integral part of the contractual framework governing the User's access to and use of the UPI Services.

The current applicable PSP Bank Terms & Conditions may be accessed at the following link, which may be updated by RediffPay from time to time to reflect the applicable PSP Bank:

PSP Bank Terms & Conditions

The User agrees to review and comply with the applicable PSP Bank Terms & Conditions, as amended from time to time, in addition to these Terms.

In the event of any conflict or inconsistency between these Terms and any mandatory requirement imposed by the applicable PSP Bank, NPCI, RBI or applicable law, such mandatory requirement shall prevail only to the extent of the inconsistency.

Rediff Pay - FAQs

What can I pay for using Rediff Pay? You can pay credit card bills, electricity bills, gas bills, water bills, mobile recharges, broadband, DTH, FASTag top-ups, and more, all from one app.
Does the app support UPI? Yes. Rediff has approval to offer UPI services with a leading banking partner. UPI onboarding and availability may be introduced in phases.
Are UPI payments free? Yes. Zero charges for consumer UPI payments as per current Indian regulations.
How secure are payments on Rediff Pay? Payments run on India's regulated banking and UPI rails, protected with encryption, OTP verification, and device-level security.
Do I need KYC to use Rediff Pay? Basic bill payments/recharges may require minimal details.
UPI setup follows NPCI, bank KYC or Rediff Pay guidelines.
Which banks are supported for UPI? UPI works with most major Indian banks. Bank linking options appear during the UPI setup.
Can I save billers for quick payments? Yes, frequently used billers can be saved for faster repeat payments (where supported by the biller).
Where can I see my past transactions or receipts? Go to Profile → Transaction History to track transactions and download/share receipts.
Does Rediff Pay offer rewards? Selected categories may earn Rediffcoins, a rewards program designed for Rediff users.
How do Rediffcoins work? Earn coins on eligible payments.
Redeem them as per program terms displayed inside the app.
Is FASTag recharge available? Yes, FASTag top-up is supported through Rediff Pay.
Are prepaid and postpaid mobile services supported? Yes, mobile recharge and bill payment services for all the major telecom operators are available.
What happens if a bill payment or recharge fails? Refunds are automatically processed to your bank/wallet/card based on the payment method or biller rules or successful authentication.
How do I reset or change my UPI PIN? Once UPI is active, go to Manage Bank Accounts → Change/Reset UPI PIN.
Can I link more than one bank account to UPI? Yes, UPI allows multiple bank accounts. You can set a default account for payments.
Can I pay credit card bills via Rediff Pay? Yes, most major credit card billers are supported.
Are utilities like electricity, water, LPG, and piped gas supported? Yes, Rediff Pay covers a broad list of utilities across India.
Can I pay for DTH or broadband services? Yes, support is available for popular operators.
Will I get instant confirmation after payment? Most services update instantly. Some billers may take a short time to reflect status.
Is there a transaction limit? Limits depend on bank, biller, and NPCI rules. The app displays applicable limits when you initiate payment.
Can I use third-party reward points to pay? Rediff Pay currently supports bank/card payments and UPI; external rewards integration may vary.
How can I contact support for a payment issue? Open the specific order in Transaction History and tap Support. Include your transaction ID for faster help.
Is auto-pay available for recurring bills? Auto-pay availability depends on the biller and payment method.
Check the details on the biller screen.
Does Rediff store my card details? Saved cards are tokenised as per RBI regulations. Full card details are not stored on Rediff servers.
Can I use the app on multiple devices? Yes, you can sign in on multiple devices using your Rediff ID.
For security, sign out from shared/public devices after use.
What permissions does the app need?
The app requests:
- Notifications (for new mails & alerts)
- Storage/Media access (for attachments)
- Contacts (optional, for address book sync)
- SMS read permission (optional, for OTP autofill in payments)
You can control all permissions from your device settings.