Privacy Policy
How KoshaPay protects your payment data.
This Privacy Policy explains how KoshaPay collects, uses, stores, and protects merchant, customer, KYC, transaction, API, payin, payout, and settlement information.
KoshaPay privacy summary
KoshaPay collects only the information required to onboard merchants, verify businesses, process payins and payouts, manage settlements, monitor risk, prevent fraud, and support secure payment operations.
Merchant and business information
KoshaPay may collect business details such as company name, registered address, PAN, GST, business category, website/app details, contact information, and authorized person details during onboarding.
KYC and bank details
To activate payment services, we may collect KYC documents, director or owner details, bank account information, cancelled cheque, business proof, and other verification documents required for merchant approval.
Payin transaction data
For payment collection services, we may process payin details such as transaction ID, merchant order ID, customer name, customer mobile, customer email, amount, payment method, UTR, transaction status, and settlement references.
Payout transaction data
For payout services, we may process beneficiary details, bank account details, IFSC, payout amount, transaction ID, status, UTR, failure reason, and payout response data from banking or payment partners.
API, webhook, and dashboard data
When you use KoshaPay APIs, dashboard, or webhooks, we may collect request logs, response logs, IP address, device details, access activity, API usage data, and webhook delivery information for security and troubleshooting.
How we use your information
We use information to onboard merchants, verify businesses, process payins and payouts, manage settlements, monitor transaction status, prevent fraud, resolve disputes, provide support, and improve KoshaPay services.
Data sharing with partners
We may share required information with banks, acquirers, payment processors, payout partners, technology providers, compliance partners, auditors, or legal authorities when needed to provide services or meet legal requirements.
Fraud, risk, and compliance
KoshaPay may use merchant and transaction information to detect suspicious activity, prevent fraud, review chargebacks, monitor risk, investigate complaints, and comply with applicable laws and payment partner requirements.
Data security
We use reasonable technical and operational safeguards to protect merchant, customer, KYC, transaction, API, and settlement data from unauthorized access, misuse, loss, or disclosure.
Data retention
We retain information as long as required for payment processing, settlement records, legal compliance, audits, fraud prevention, dispute handling, tax requirements, and business operations.
Your rights
You may contact KoshaPay to request correction or update of your business, contact, or account information. Some records may be retained where required for legal, compliance, audit, or dispute purposes.
Contact us
For privacy-related questions, data correction requests, or concerns about how KoshaPay handles your information, please contact our team through the contact page.
Have questions about KoshaPay privacy?
Contact our team for questions about merchant data, KYC information, transaction records, API logs, settlements, or data handling practices.