Services How it Works FAQ Contact
Sign in

Terms & Conditions

1. Acceptance of Terms

By accessing or using BharatPaye ("we", "us", "our", "the platform") to pay an electricity bill, recharge a FASTag or top up a mobile number, you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the platform.

2. Eligibility

You must be at least 18 years old, hold a valid Indian mobile number, and be legally capable of entering into a binding contract under the Indian Contract Act, 1872 to register and transact on BharatPaye.

3. Account Registration & OTP-Based Login

BharatPaye uses OTP-based, password-less sign-in. Registration requires your name, email, mobile number and state. You are responsible for:

  • Providing accurate and current information when registering.
  • Keeping your registered mobile number, and any OTP sent to it, confidential and not sharing it with anyone.
  • All activity that takes place on your account, including through requests you authorize.

Notify us immediately at support@bharatpaye.in if you suspect unauthorized access to your account or mobile number.

4. Description of Services

BharatPaye acts as a merchant interface to the Bharat Bill Payment System (BBPS) through a licensed payment aggregator, enabling you to:

  • Electricity Bill Payment — look up and pay your electricity bill with your chosen provider and consumer/account number.
  • FASTag Recharge — top up a FASTag linked to a vehicle number with your chosen issuer bank.
  • Mobile Recharge — browse live plans and recharge a prepaid mobile number with your chosen operator.

We facilitate these transactions on a best-effort basis and do not control the systems of billers, banks, FASTag issuers or mobile operators, whose own terms and availability may affect the outcome of a request.

5. No Wallet, No Lock-in

BharatPaye does not offer a wallet, stored balance or subscription lock-in. Each electricity payment, FASTag recharge or mobile recharge is a standalone transaction settled at the time it is made; no advance deposit is required or held on your behalf.

6. Accuracy of Information You Provide

You are solely responsible for verifying the vehicle number, issuer bank, consumer/account number, provider, mobile number and operator you enter before confirming a request. BharatPaye is not liable for a payment or recharge credited to the wrong FASTag, electricity account or mobile number where the error results from incorrect details entered by you, and such amounts may not be refundable once processed by the biller, bank or operator.

7. Payments, Failed Transactions & Refunds

All amounts are processed in Indian Rupees (INR) and are subject to the minimum and maximum limits displayed on the respective service page (for example, FASTag recharges are currently limited to between ₹50 and ₹50,000 per transaction). Any convenience fee, if applicable, is shown before you confirm payment.

If an amount is debited but the corresponding bill payment or recharge is not confirmed successful, BharatPaye's BBPS payment aggregator will attempt automatic reconciliation, and any confirmed failed transaction is typically reversed to your original payment source within the timelines prescribed by NPCI/BBPS and your bank (generally within 5–7 working days). Please quote the transaction reference ID from your Transactions page when contacting support about a failed or delayed request.

Once a bill payment or recharge is confirmed successful by the biller, bank or operator, it is final and cannot be cancelled or refunded through BharatPaye.

For full details on eligible refunds, timelines and how to raise a request, see our Refund & Cancellation Policy.

8. Service Availability

We aim to keep BharatPaye available at all times, but access may occasionally be interrupted for maintenance, or delayed due to downtime of the BBPS network, a biller, bank, FASTag issuer or mobile operator. We do not guarantee uninterrupted or error-free service.

9. Prohibited Use

  • Using the platform for any fraudulent, unlawful or unauthorized purpose.
  • Attempting to gain unauthorized access to another user's account or our systems.
  • Abusing the OTP mechanism, including automated or repeated OTP requests.
  • Reverse engineering, scraping or interfering with the normal operation of the platform.

We may suspend or terminate accounts that violate these terms, with or without notice, and may report unlawful activity to the appropriate authorities.

10. Intellectual Property

All content, branding, logos and software on BharatPaye are the property of BharatPaye or its licensors and may not be copied, reproduced or used without prior written permission.

11. Limitation of Liability

To the maximum extent permitted by law, BharatPaye shall not be liable for any indirect, incidental or consequential loss arising from your use of the platform, delays or failures caused by third-party billers, banks, FASTag issuers, mobile operators or the BBPS network, or from inaccurate information provided by you. Our aggregate liability for any claim relating to a transaction shall not exceed the amount of that transaction.

12. Indemnity

You agree to indemnify and hold BharatPaye harmless from any claims, losses or expenses arising from your misuse of the platform, breach of these terms, or violation of any applicable law.

13. Third-Party Services

Transactions initiated on BharatPaye are ultimately processed through our BBPS payment aggregator and the relevant biller, bank, FASTag issuer or mobile operator, each of which is governed by its own terms and privacy practices. We are not responsible for the acts or omissions of these independent third parties.

14. Governing Law & Jurisdiction

These Terms are governed by the laws of India. Any dispute arising out of or in connection with your use of BharatPaye shall be subject to the exclusive jurisdiction of the competent courts of India.

15. Changes to These Terms

We may revise these Terms from time to time. The "Last updated" date at the top of this page reflects the latest revision, and continued use of BharatPaye after a change constitutes your acceptance of the updated Terms.

16. Contact Us

For questions about these Terms, write to us at support@bharatpaye.in.