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Terms & Conditions

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Last updated: October 7, 2026

1. About These Terms

These Terms & Conditions ("Terms") govern the use of the website instapaydesk.in and the Insta Pay Desk partner platform (the "Platform") operated by IPD Digital Payment Service Solutions LLP ("Insta Pay Desk", "we", "us", "our"). By registering on, logging in to or using the Platform, you ("Partner", "Retailer", "Agent", "you") agree to these Terms, our Privacy Policy and our Refund & Cancellation Policy. If you do not agree, please do not use the Platform.

2. Our Services

Insta Pay Desk is a business-to-business (B2B) platform. Through it, registered partners offer their customers services such as mobile and DTH recharge, bill payments (including Bharat Connect / BBPS bill payments), domestic money transfer, Aadhaar Enabled Payment System (AePS) and PAN card services. These services are provided in association with banks, payment networks, billers, operators and other service providers ("Service Providers"). Availability of any service may change from time to time without prior notice.

3. Eligibility & Registration

  • You must be at least 18 years old and legally able to enter into a contract under Indian law.
  • Accounts are opened only after successful KYC. You must provide true, complete and current information and documents (such as PAN, Aadhaar, shop and bank details) and keep them updated.
  • We may approve, reject, suspend or close any registration at our discretion, including where KYC is incomplete, incorrect or doubtful.

4. Account Security

  • You are responsible for keeping your login ID, password, MPIN and OTPs confidential. Every transaction made through your account is treated as made by you.
  • Do not share your credentials with anyone, including persons claiming to be from Insta Pay Desk. Our team will never ask for your password, MPIN or OTP.
  • Inform us immediately at support@instapaydesk.in if you suspect any unauthorised access to your account.

5. Wallet

  • Services are paid for from your prepaid Insta Pay Desk wallet. You load the wallet by transferring funds to our designated company bank accounts and raising a fund request with the payment reference; the wallet is credited after we verify the payment.
  • The wallet is meant only for using services on the Platform. It does not earn interest and cannot be used for any other purpose.
  • Funds credited by mistake, or credited against a payment that is later reversed by the bank, may be debited back from your wallet.
  • We may place a hold on wallet funds, or block the wallet, where required by law, a Service Provider, a regulator or an ongoing investigation.

6. Transactions

  • You must check the customer details (mobile number, consumer number, biller, operator, account number, IFSC, amount and so on) before confirming a transaction. Transactions made with wrong details entered by you or your customer may not be reversible.
  • A transaction is complete only when it is confirmed by the Service Provider. Some transactions may stay "Pending" until the Service Provider confirms the final status.
  • A successful transaction cannot be cancelled. Refunds of failed transactions are handled as described in our Refund & Cancellation Policy.
  • You must give your customer the transaction receipt generated by the Platform and must not charge the customer more than the amount permitted by us or by applicable rules.

7. Commission, Charges & Taxes

  • Commission and surcharge on each service are as per the plan assigned to your account, shown inside the Platform. We may revise them at any time; revised rates apply to transactions made after the change.
  • Applicable taxes such as GST and TDS are charged or deducted as per law.
  • Commission credited in error, or earned on a transaction that is later reversed or found to be fraudulent, may be recovered from your wallet.

8. Your Responsibilities

  • Use the Platform only for genuine transactions of your customers and in compliance with all applicable laws, including RBI, NPCI and anti-money-laundering rules.
  • Do not use the Platform for any fraudulent, illegal or prohibited activity, and do not split transactions to avoid limits.
  • Collect only the customer information that is needed for a transaction, keep it confidential and use it only for that transaction.
  • Do not misuse our name, logo or brand, or present yourself as our employee.

9. Suspension & Termination

We may suspend or terminate your account, with or without notice, if you breach these Terms, if we suspect fraud or misuse, or if required by a Service Provider, a regulator or law. You may close your account by writing to us. On closure, any remaining wallet balance is settled to your verified bank account after adjusting dues and completing any pending checks.

10. Limitation of Liability

We will make reasonable efforts to keep the Platform available and accurate, but services depend on banks, networks and Service Providers outside our control. We are not liable for any delay, failure or loss caused by Service Provider downtime, network or technical failures, wrong details entered by you or your customer, or events beyond our reasonable control. In any case, our total liability for a transaction is limited to the amount of that transaction.

11. Indemnity

You agree to indemnify Insta Pay Desk against any loss, claim, penalty or expense arising from your breach of these Terms, misuse of the Platform, or any act or omission by you or your staff.

12. Intellectual Property

All content, software, trademarks and logos on the Platform belong to Insta Pay Desk or its licensors. You may not copy, modify or reuse them without our written permission. Logos of Service Providers (such as Bharat Connect) belong to their respective owners and are used as permitted by them.

13. Changes To These Terms

We may update these Terms from time to time. Changes are posted on this page with an updated "Last updated" date. Continuing to use the Platform after a change means you accept the updated Terms.

14. Governing Law & Disputes

These Terms are governed by the laws of India. Any dispute will first be attempted to be resolved through our support team; failing that, the courts at Surat, Gujarat shall have exclusive jurisdiction.

Contact Us

IPD Digital Payment Service Solutions LLP (Insta Pay Desk)
16th Floor, Office No. 1602, Excellent Business Hub, Katargam, Surat, Gujarat 395004
Email: support@instapaydesk.in · Phone: 0261 4540694 · WhatsApp: +91 80808 07600
Support hours: 10:00 AM to 7:00 PM, Monday to Saturday (except public holidays).