Terms of Service
Terms for using KoshaPay payment services.
These Terms of Service explain how approved merchants can use KoshaPay for payins, payouts, settlements, dashboard access, APIs, webhooks, and transaction management.
KoshaPay terms summary
KoshaPay helps approved businesses accept customer payments, send payouts, manage settlements, track transactions, and integrate payment APIs. Merchants must use the platform responsibly, securely, and only for approved business purposes.
Using KoshaPay
KoshaPay provides payment gateway services that help approved merchants collect payments, process payouts, track transactions, manage settlements, and use payment APIs.
Merchant account approval
To use KoshaPay services, your business must complete merchant onboarding and approval. We may ask for company documents, PAN, GST, bank details, owner/director details, and other KYC information.
Payin services
Payin services allow your business to collect customer payments through supported payment modes such as UPI, cards, net banking, payment links, or other available methods.
Payout services
Payout services allow your business to send money to users, vendors, partners, or other beneficiaries through supported payout channels, subject to limits, checks, and service availability.
Settlement and charges
Settlement timelines, transaction charges, taxes, payout fees, reserve rules, and deductions may vary based on your business category, risk profile, payment method, and agreement with KoshaPay.
Transaction status and webhooks
KoshaPay may provide dashboard, API, and webhook updates for transaction status. Merchants are responsible for correctly integrating APIs and handling webhook responses in their own system.
Merchant responsibilities
You must provide correct business information, keep API keys and dashboard access secure, monitor transactions, handle customer communication, and use KoshaPay only for approved business activities.
Restricted or suspicious activity
KoshaPay may hold, review, reject, block, or suspend transactions or merchant accounts if fraud, misuse, chargeback risk, suspicious activity, policy violation, or legal concern is detected.
Refunds, disputes, and chargebacks
Refunds, disputes, chargebacks, failed transactions, and customer complaints may be reviewed as per banking partner rules, payment network rules, merchant agreement, and applicable law.
Service availability
KoshaPay works to provide reliable services, but payment processing may be affected by banks, acquirers, payment partners, network issues, maintenance, downtime, or third-party service interruptions.
Account suspension or termination
KoshaPay may suspend or terminate access if a merchant violates these terms, provides false information, creates risk, misuses services, or uses the platform for unauthorized activities.
Updates to these terms
KoshaPay may update these Terms of Service when required. Continued use of our website, dashboard, APIs, or payment services means you accept the updated terms.
Merchant agreement applies
These website terms are a simple overview. Your final pricing, settlement cycle, transaction limits, reserve rules, risk conditions, and service access may depend on your merchant agreement with KoshaPay.
Need help understanding KoshaPay terms?
Contact our team for questions about merchant onboarding, payins, payouts, settlements, pricing, API access, or transaction operations.