Ishaanpay Private Limited
Effective Date: 02-04-2026 | Last Updated: 02-04-2026
These Terms & Conditions constitute an electronic record and are published in accordance with applicable law. This electronic record is generated by a computer system and does not require physical or digital signatures.
"Company", "IshaanPay", "we", "us", or "our" means Ishaanpay Private Limited.
"Platform" means the IshaanPay website, mobile application, software interfaces, communication systems, and related digital channels through which services are made available.
"User", "you", or "your" means any individual, customer, merchant, business user, or other entity accessing or using the Platform.
"Merchant" means a business, retailer, service provider, or other commercial user using IshaanPay in connection with payments, collections, or related service flows.
"Services" means the services or service categories made available on the Platform from time to time, including, where applicable, bill payments, recharge services, credit card bill payments, FASTag-related payments, travel-related services, broadband or utility-related services, e-commerce-related flows, healthcare-related flows, and other categories displayed on the Platform.
"Third-Party Provider" means any bank, biller, payment processor, travel partner, technology partner, infrastructure provider, merchant, service provider, regulated entity, or external platform connected with any Service.
IshaanPay acts as a platform / facilitator for transaction initiation, routing, processing support, settlement support, and related service enablement made available through the Platform.
Depending on the Service category, IshaanPay may provide a technology layer, facilitation interface, partner-integrated service access, transaction support, or communication support. Certain Services are delivered, processed, confirmed, fulfilled, or supported by Third-Party Providers.
Unless expressly stated otherwise, IshaanPay should not be interpreted as the direct provider of every Service available on the Platform.
By using the Platform, you confirm that:
If you use the Platform on behalf of a business or organization, you confirm that you are authorized to bind that business or organization to these Terms & Conditions.
To use the Platform, you must:
We may refuse access, suspend service, or require additional verification if eligibility conditions are not met.
To access certain Services, you may be required to create an account or complete a registration or onboarding process. You agree to:
You are responsible for activity carried out through your account, except to the extent caused by our verified fault.
IshaanPay may request additional information, documents, declarations, or verification records at any time for onboarding, fraud control, support handling, service activation, legal compliance, or partner requirements.
Failure to provide requested information may result in delayed activation, restricted access, suspended usage, or termination of the relevant Service.
The Platform may provide access to one or more of the following categories, subject to availability and applicable conditions:
IshaanPay may add, modify, suspend, restrict, or discontinue any Service at any time where reasonably necessary for technical, operational, legal, security, partner-related, or business reasons.
Customers may pay a convenience fee or service fee in connection with certain transactions. Such fee is ordinarily collected by the merchant from the customer. IshaanPay acts as a platform / facilitator for transaction processing and settlement and does not independently collect such fee from the customer unless specifically disclosed on the Platform or at the point of transaction.
All rates are exclusive of Goods and Services Tax (GST) and any other applicable taxes, unless expressly stated otherwise. Applicable Tax Deducted at Source (TDS) shall apply wherever required under applicable law.
The Service Fee is non-refundable in the event of transaction cancellations, chargebacks, or refunds, unless otherwise expressly stated by IshaanPay in writing for a specific Service.
By using the Platform, you agree that you will:
You must not:
IshaanPay reserves the right to investigate misuse and take action including restriction, suspension, termination, refusal of service, and reporting to relevant authorities or partners where appropriate.
IshaanPay may use automated monitoring tools, manual review, risk checks, and partner-side verification processes to detect and prevent fraud, suspicious activity, abuse, or unauthorized use.
Where fraud or misuse is suspected, we may place transactions under review, limit access, request further information, or suspend services pending verification.
Certain Services depend on Third-Party Providers. IshaanPay is not responsible for partner-side outages, provider-side confirmation delays, external booking restrictions, biller-side failures, bank-side delays, or fulfillment issues attributable to a Third-Party Provider.
Category-specific rules, including confirmation, booking, cancellation, refund, rescheduling, settlement, and availability, may be governed wholly or partly by the relevant Third-Party Provider.
Travel services available on IshaanPay are partner-led services. The underlying booking, reservation, issuance, fulfillment, or related processing is handled by authorized third-party partners.
IshaanPay acts only as a platform / facilitator for such services and does not claim independent IRCTC authorization unless expressly disclosed.
A transaction shall be treated as successful only when a valid confirmation, success status, booking confirmation, acknowledgment, or equivalent completion message is generated on the Platform or by the relevant Third-Party Provider.
You are solely responsible for checking all transaction inputs before submission, including amount, biller details, customer details, account or service number, booking details, travel details, mobile number, payment source details, and any other required Service input.
IshaanPay shall not be responsible for failed processing, wrong payment, delayed confirmation, or booking issues caused by inaccurate, incomplete, or incorrect information submitted by you.
IshaanPay provides customer support for Services made available through the Platform, including Services that may be facilitated, processed, or fulfilled through Third-Party Providers.
Users may contact IshaanPay directly for support, transaction-related queries, complaints, and service assistance. Where a Service depends on a Third-Party Provider, IshaanPay will provide user support and coordinate further review or resolution as reasonably required.
By using the Platform, you agree that IshaanPay may send communications through available channels including email, SMS, app notifications, website notices, account alerts, service-related messages, support communications, technical notices, and security alerts.
All content on the Platform, including text, branding, logos, graphics, design elements, software, layouts, interfaces, and other materials, is owned by or licensed to Ishaanpay Private Limited unless otherwise stated.
You may not copy, reproduce, modify, republish, distribute, display, transmit, or commercially exploit any part of the Platform without prior written permission, except as permitted by law.
The Platform and all Services are provided on an "as is" and "as available" basis. To the maximum extent permitted by law, IshaanPay does not guarantee that the Platform will always be uninterrupted or error-free, all Services will remain continuously available, every transaction will be processed successfully, every Third-Party Provider will perform without delay or issue, or the Platform will be free from technical interruption, outages, or operational disruption.
To the maximum extent permitted by law, IshaanPay shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with use of or inability to use the Platform, Service failure caused by a Third-Party Provider, user input errors, delayed confirmations, provider-side reversals, partner-side booking issues, infrastructure downtime, service interruptions, or unauthorized access not caused by our proven fault.
Nothing in these Terms & Conditions excludes liability to the extent such exclusion is prohibited by applicable law.
You agree to indemnify and hold harmless Ishaanpay Private Limited, its directors, officers, employees, affiliates, partners, service providers, and representatives from claims, losses, liabilities, damages, costs, and expenses arising from your breach of these Terms & Conditions, your misuse of the Platform, your violation of law, your violation of third-party rights, your submission of unauthorized, inaccurate, misleading, or fraudulent information, and your transactions or activities carried out through the Platform in breach of these Terms.
IshaanPay reserves the right to suspend, restrict, disable, review, or terminate access to the Platform or any Service where reasonably necessary for legal compliance, risk management, maintenance, security, fraud prevention, policy enforcement, verification failure, partner requirements, misuse, or suspicious activity.
IshaanPay may revise these Terms & Conditions from time to time. The updated version will be published on the Platform with the revised effective date or last updated date.
Your continued use of the Platform after publication of revised Terms constitutes your acceptance of the updated Terms.
Support Email: support@ishaanpay.com
Support Phone: +91 9494929543