A. These terms and conditions govern the availment by the Merchant of the Rupay CC on UPI Payment Mechanism made available by PayU (“Rupay CC on UPI T&Cs”). These Rupay CC on UPI T&Cs may be amended, modified, updated or restated from time to time by PayU and the same shall be applicable on the Merchant immediately upon such amendment, modification, updation or restatement. The Merchant shall be responsible for periodically referring to these Rupay CC on UPI T&Cs as amended, modified, updated or restated from time to time and to keep itself informed about these.

 

B. These Rupay CC on UPI T&Cs constitute an integral part of the service agreement (or the master service agreement) and subsequent addendums (if any) entered into between PayU and the Merchant pursuant to which PayU has been providing or shall provide aggregate online payment gateway solutions and services to the Merchant (“Service Agreement”).

 

C. Rupay CC on UPI Payment Mechanism enables Customers of the Merchant to: (a) make payments using their RuPay Credit Card linked to their UPI ID; and b) set-up recurring e-mandates using any UPI application for recurring payments such as mobile bills, electricity bills, EMI payments, entertainment/OTT subscriptions, insurance, mutual funds, amongst others (“UPI Autopay on RuPay CC”) in accordance with the terms and conditions mentioned in Paragraph D below, which are applicable only if the Customer chooses to set-up a recurring e-mandate using UPI Autopay on RuPay CC.

 

D. The Merchant acknowledges, agrees and accepts the following terms and conditions applicable to UPI Autopay on RuPay CC:

 

a) UPI Autopay on RuPay CC will enable the customers of the Merchant to set-up a recurring payment with the Customer’s UPI ID or UPI virtual payment address (VPA) (“UPI ID”). Based upon the Customer’s confirmation to avail UPI Autopay on RuPay CC and on the basis of the frequency of the recurring payments set-up by the Customers on Merchant Site, the recurring payments feature would be processed using the linked Rupay Credit Card of the Customer (“Recurring e-mandate Instructions”). The Merchant shall ensure to inform the Customers that a successful registration of a Recurring e-mandate Instruction is dependent upon confirmation and approval of the Issuing Bank who has issued a valid RuPay Credit Card to the Customer.

 

b) The Merchant shall ensure to seek and record an explicit approval/consent of the customer at the time of set-up of every Recurring e-mandate Instruction for sharing of such details with PayU and its service providers/acquiring banks/partners/agents, including customer’s UPI and Rupay Credit Card details, as may be required by them, in order to avail UPI Autopay on RuPay CC. The Merchant shall ensure to intimate the Customer on successful set-up of the Recurring e-mandate Instruction. The Merchant needs to ensure that it has obtained the Customer’s consent in the manner and format as may be specified by PayU from time to time.While obtaining such consent, the Merchant shall ensure to clearly inform the Customer about the purpose, tenure and charge that will be made on RuPay Credit Card. The Merchant shall be responsible for maintaining logs of such consent and shall provide the same to PayU as and when required by PayU.

 

c) For processing a payment through UPI Autopay on RuPay CC, the Merchant agrees to send such details to PayU as may be specified by PayU from time to time, including without limitation, recurring e-mandate amount, recurring e-mandate frequency and start and end date of a recurring e-mandate. The Merchant confirms that PayU will process Recurring e-mandate Instructions strictly as per the Recurring e-mandate Instruction set-up by a Customer and as passed-on to PayU by the Merchant.

 

d)The Merchant shall ensure to send necessary reminders to Customers before each recurring payment is due or deducted (as prescribed by applicable laws/regulations from time to time) and shall also ensure to provide an option to each Customer to opt-out from or stop the Recurring e-mandate Instruction.

 

e)The Merchant confirms that all responsibility with respect to correctness and genuineness of any transaction processed using UPI Autopay on RuPay CC shall be of the Merchant and Issuing Bank, PayU or the Acquiring Bank(s) shall not be responsible for verifying the content of any Recurring e-mandate Instructions or any transactions processed through UPI Autopay on RuPay CC including, without limitation, the accuracy, adequacy or genuineness thereof.

 

f)The Merchant shall maintain necessary records of all Customers’ approvals/consents in relation to the UPI Autopay on RuPay CC and provide the same to PayU, Acquiring Banks, Nodal Banks or any regulatory authority as and when required.

 

g)The Merchant shall ensure to pass-on details of all the Recurring e-mandate Instructions registered by each Customer with the Merchant and all Transactions processed using UPI Autopay on RuPay CC by PayU shall be subject to the terms of the Service Agreement.

 

h)The Merchant confirms that all obligations agreed by the Merchant, including without limitation, those relating to Chargebacks, returns, refunds or disputes related, as agreed in terms of the Service Agreement, are applicable to Transactions processed using RuPay CC on UPI and UPI AutoPay on RuPay CC. The Merchant shall be solely liable for such Chargebacks or disputes including any fees, fines, costs, penalties and damages as may be imposed by Acquiring Banks, Issuing Banks, card schemes or under any NPCI guidelines or operating procedures.

 

i)The Merchant shall abide by the rules, regulations, roles, responsibilities and processes as specified by NPCI procedural guidelines as provided on npci.org.in and as amended or updated from time to time, including without limitation, any changes or amendments specified by RBI from time to time.

 

E. Capitalized terms that are used in these Rupay CC on UPI T&Cs and are not defined shall have the same meanings ascribed to them under the Service Agreement.