This Product and Pricing Policy outlines the terms and conditions for the pricing, payment processing, and service delivery of our Utility Bills Payment Service. The policy applies to all users utilizing our platform for bill payments, including but not limited to:
● Insurance
● Electricity
● EMI Payments
● Gas Bills
● Mobile Bills, Mobile Prepaid
● Corporation Bills
● Education
● Entertainment
● Cable
● DTH
● Municipal TAX
● LPG Gas
● Water Supply Bills
● FastTag Recharges
● Hospital Bills
● Subscription
● Rental Payments
Our service ensures a seamless, secure, and convenient experience for users making payments across these categories.
2. Product Policy
2.1 Service Description
Our platform facilitates real-time bill payments through digital channels, allowing users to settle their dues with multiple service providers efficiently.
2.2 Payment Processing
● Payments are processed through secure channels, ensuring data protection and fraud prevention.
● Users can choose from multiple payment methods, including UPI, credit/debit cards, net banking, and digital wallets.
● Payment confirmation is provided instantly, subject to service provider acknowledgment
2.3 Refunds & Disputes
● Once a bill payment is successfully processed, it cannot be canceled or reversed.
● In case of failed transactions where the amount is deducted but not credited to the service provider, refunds will be initiated within 3-7 business days.
● Users can raise disputes via customer support within 72 hours of a failed transaction.
2.4 Service Availability
● The platform operates 24/7, but service availability may depend on the respective billers.
● Scheduled maintenance or downtime will be communicated in advance where possible.
3. Pricing Policy
3.1 Transaction Fees & Service Charges
● Standard bill payments: No additional charges for most transactions unless specified.
● Premium transactions (such as urgent or instant payments) may incur a nominal fee.
● Processing fees: A small fee may be applicable for payments via certain methods (e.g., credit card payments, bank transfers).
3.2 Late Fees & Penalties
● Late fees are governed by the respective service providers and are not controlled by our platform.
● Users are advised to make payments 2 days before the due date to avoid penalties.
3.3 Subscription & Membership Plans
● Users may opt for premium plans offering additional benefits such as lower transaction fees and faster processing times.
● Subscription fees (if any) will be clearly stated before enrollment.
4. Compliance & Security
4.1 Regulatory Compliance
● The service adheres to all applicable laws, including RBI guidelines and digital payment regulations.
● Transactions are monitored for compliance with anti-money laundering (AML) and fraud prevention policies.
4.2 Data Protection & Privacy
● User data is securely stored and not shared with third parties except as required by law.
● Payments are encrypted using industry-standard security measures.
5. Review & Policy Updates
● This policy is subject to periodic review and updates. Users will be notified of any significant changes.
● For any queries or clarifications, users can email on support@fixpay.in
