Terms & Conditions

Welcome to Ampay. These Terms & Conditions govern your access to and use of the Ampay website, platform, applications and related digital financial and other services.

By accessing or using our services, you agree to comply with these Terms & Conditions. Please read them carefully before using Ampay's services.

Last Updated: September 2026

1. Acceptance of Terms

By accessing, registering for or using Ampay's website, platform or services, you confirm that you have read, understood and agreed to these Terms & Conditions.

If you do not agree with any part of these terms, you should discontinue using the applicable Ampay services.

2. About Ampay Services

Ampay provides access to a range of digital financial, payment, utility, government and related services.

Services may include, subject to availability and eligibility:

  • AEPS and Aadhaar-enabled banking services
  • UPI ATM services
  • Domestic Money Transfer (DMT)
  • Cash withdrawal and deposit services
  • Balance enquiry and mini statement
  • BBPS and utility bill payments
  • Mobile and DTH recharge
  • G2C services
  • Insurance-related services
  • Loan-related services
  • Affiliate services
  • Other services made available through the platform

3. User Eligibility

You must provide accurate information and meet the applicable eligibility requirements for the service you are requesting.

Certain services may be subject to additional eligibility, KYC, identity verification, age, documentation or regulatory requirements.

4. Account Registration

Where account registration is required, you agree to provide complete and accurate information.

You are responsible for maintaining the confidentiality of your account credentials and for all activities carried out through your account.

Ampay may suspend or restrict an account where information appears inaccurate, fraudulent, unauthorized or inconsistent with applicable requirements.

5. KYC & Identity Verification

Certain Ampay services may require KYC, Aadhaar, PAN or other identity verification.

You agree to provide valid and accurate documents or information when required. Services may not be available if required verification cannot be completed.

6. Transactions & Payments

Transactions initiated through Ampay may be subject to verification, processing requirements, service availability and applicable limits.

You are responsible for reviewing transaction details before confirming a transaction.

Once a transaction has been successfully processed, cancellation, reversal or refund may be subject to the applicable service provider's rules and processing procedures.

7. Transaction Failure & Refunds

In the event of a failed, pending or reversed transaction, resolution may depend on the service provider, banking partner, payment network or other relevant intermediary.

Where a refund is applicable, it will be processed according to the applicable transaction and service provider policies.

8. Service Availability

Ampay aims to provide reliable and continuous access to its services. However, certain services may temporarily become unavailable due to maintenance, technical issues, network interruptions, banking partner downtime or circumstances beyond our reasonable control.

9. Prohibited Activities

You agree not to use Ampay services for:

  • Fraudulent or unlawful activities
  • Unauthorized transactions
  • Money laundering or other prohibited activities
  • Providing false or misleading information
  • Attempting to access another user's account
  • Interfering with or damaging the platform
  • Using the services in violation of applicable laws or regulations

10. Retailer & Agent Responsibilities

Retailers, agents or business users using Ampay services must follow applicable operational, KYC, transaction and compliance requirements.

Retailers and agents must not misuse customer information, credentials, OTPs, PINs or transaction information.

11. Third-Party Services

Certain services available through Ampay may be provided, processed or supported by third-party banks, payment networks, service providers, insurers, lenders or other partners.

Such services may be subject to additional terms, conditions, eligibility criteria and policies of the respective service provider.

12. Fees & Charges

Certain services may involve applicable fees, charges, commissions or transaction costs. Any applicable charges may depend on the service, transaction type and relevant service provider.

Users should review applicable charges before completing a transaction.

13. Intellectual Property

Unless otherwise stated, the Ampay name, logo, website content, design, graphics, software, text and other materials are protected by applicable intellectual property laws.

You may not copy, reproduce, modify, distribute or commercially exploit Ampay's content without appropriate authorization.

14. Privacy

Your use of Ampay services is also subject to our Privacy Policy, which explains how we collect, use, process and protect your information.

Please review our Privacy Policy before using services that require personal, identity or transaction information.

15. Limitation of Liability

To the extent permitted by applicable law, Ampay shall not be responsible for losses arising from circumstances outside its reasonable control, including network failures, banking system downtime, third-party service interruptions or unauthorized access caused by circumstances beyond Ampay's reasonable control.

16. Suspension or Termination

Ampay may suspend, restrict or terminate access to services where reasonably necessary, including in cases of suspected fraud, misuse, violation of these terms, regulatory requirements or security concerns.

17. Changes to These Terms

Ampay may update these Terms & Conditions from time to time to reflect changes in services, technology, legal requirements or business practices.

Updated terms will be published on this page. Continued use of the services after an update may constitute acceptance of the revised terms, subject to applicable law.

18. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the applicable laws of India, subject to applicable jurisdiction and legal requirements.

19. Contact Us

If you have any questions, concerns or complaints regarding these Terms & Conditions, you can contact Ampay through the details below.

Ampay

Email: support@ampay.in

Privacy: privacy@ampay.in

Address: 2nd Floor, Lane No-1 Shasatri Nagar colony, In front of IP Mall, Sigra Varanasi 221010

By using Ampay's website, platform or services, you acknowledge that you have read and understood these Terms & Conditions and agree to comply with them, subject to applicable law.