Paidbeep

Terms of Use

Effective date: 15 August 2026 · Last updated: 15 August 2026

These Terms of Use (“Terms“) are a legally binding agreement between you (“you“, “your“, the “Merchant“) and PaidBeep (“PaidBeep“, “we“, “us“, “our“), the operator of the website paidbeep.com, the merchant dashboard at app.paidbeep.com, the PaidBeep Android application, and the PaidBeep plugin for WooCommerce (together, the “Service“). By creating an account, installing our software, or using the Service in any way, you agree to these Terms. If you do not agree, do not use the Service.

1. What PaidBeep Is — and What It Is Not

PaidBeep is a software company. The Service is a payment verification and reconciliation software tool. It helps you, the Merchant, confirm that a payment made by your customer directly into your own bank account has arrived, and it communicates that confirmation to your website so your orders can be processed automatically.

PaidBeep is NOT:

  • a payment gateway;
  • a payment aggregator;
  • a payment system operator or payment service provider;
  • a prepaid payment instrument (PPI) issuer or wallet;
  • a bank, non-banking financial company (NBFC), or financial institution;
  • a party to the payment transaction between you and your customer in any way.

PaidBeep never collects, holds, receives, routes, settles, transfers, or has any custody or control over your funds or your customers’ funds — not for any duration, not for any purpose. When your customer pays you, the money moves directly from your customer’s bank account to your bank account over the Unified Payments Interface (UPI) or other applicable direct payment rails, exactly as if the customer had paid you in person by scanning your QR code. PaidBeep’s role begins and ends with observing and verifying that this transfer occurred, using information available on your own device and information you and your customer provide.

Because PaidBeep is not part of the payment flow, PaidBeep is not required to be, and is not, licensed or authorised by the Reserve Bank of India or any other financial regulator as a payment system operator. Nothing in the Service is a financial product or financial advice.

2. Definitions

  • “Credits” means the prepaid service-fee balance in your PaidBeep wallet, purchased through a Recharge.
  • “Recharge” means a prepayment made by you to PaidBeep to purchase Credits.
  • “Verification” means the Service marking an order as paid after matching a payment signal against that order.
  • “Payment Signal” means information indicating a credit into your account, such as a notification generated by a UPI application on your device or an SMS sent to you by your bank.
  • “Listener App” means the PaidBeep Android application installed on your device.
  • “Your Customer” means a person making a payment to you for your goods or services.

3. How the Service Works

  1. You connect your own UPI ID (VPA) to your PaidBeep account. Payments made against QR codes generated by the Service are addressed directly to your UPI ID.
  2. You install the Listener App on your own Android device. With your explicit permission, the Listener App reads payment-related notifications and SMS on that device and forwards their text to our servers so that incoming credits to your account can be recognised.
  3. When your website creates an order, the Service generates a payment QR code for the exact order amount (which may be adjusted by a few paise to make the amount unique among your simultaneous orders).
  4. When a Payment Signal matching the order is received, the Service marks the order as verified and notifies your website.
  5. As a fallback, your customer may enter the transaction reference (UTR) shown by their payment app, or you may manually verify an order after checking your own bank or UPI application.

4. Eligibility and Your Account

You must be at least 18 years old and capable of entering into a binding contract. You must provide accurate, current and complete information during registration — including your business name, contact details, and UPI ID — and keep it updated. You are responsible for safeguarding your login credentials, your API key, and your paired device; anything done through your account is your responsibility. You may not share, sell or transfer your account.

You represent that your use of UPI or any payment method for your business complies with the rules of your bank, the National Payments Corporation of India (NPCI), your UPI application provider, and applicable law, including any requirement to use a merchant (P2M) account for business collections. It is your responsibility to ensure your account type is appropriate for commercial receipts. PaidBeep is not responsible for any action taken against you by your bank, NPCI, or a UPI application provider, including freezing of your account, arising from your use of a personal account for business purposes or any other breach of their terms.

5. Your Responsibilities

You agree that you will:

  1. use the Service only for lawful business, and not sell or facilitate goods or services that are illegal, regulated without licence, deceptive, or infringing;
  2. enter and maintain a correct UPI ID — verified via the QR screenshot check — and update it immediately if it changes; payments sent to a wrong or stale UPI ID you provided are solely your responsibility;
  3. keep your paired device charged, connected to the internet, with the Listener App running and your UPI application’s notifications enabled;
  4. check your own bank or UPI application before using the Manual Verify function, and use it only for payments that genuinely arrived;
  5. handle your customers’ orders, deliveries, complaints, cancellations and refunds yourself — PaidBeep has no relationship with Your Customers;
  6. comply with all applicable laws, including tax laws; you are solely responsible for reporting and paying taxes on your sales;
  7. not use the Service to launder money, evade taxes, defraud any person, or structure transactions to conceal their nature.

6. Credits, Recharges and Fees

  1. The Service is charged on a prepaid, pay-per-use basis: a flat fee in Indian Rupees is deducted from your Credits each time the Service automatically verifies an order. The fee applicable to you is shown in your dashboard and depends on your Recharge slab.
  2. Credits are a prepayment for software services. They are not money, deposits, e-money, a wallet balance, or a stored-value instrument; they carry no interest; they are not transferable between accounts and cannot be withdrawn, encashed or converted back into money.
  3. Credits are valid for 12 (twelve) months from the date of the Recharge that created them. Unused Credits expire at the end of the validity period and are forfeited without compensation.
  4. Recharges are non-refundable, as set out in our Refund Policy, which forms part of these Terms.
  5. Manual verifications you perform yourself are not charged. If the Service deducts a fee in error (for example, for a duplicate verification), your remedy is re-instatement of the wrongly deducted Credits after our review, which we will not unreasonably withhold.
  6. If your Credits are exhausted, the Service will continue to detect payments but will place orders on hold for your manual confirmation until you Recharge. We will never fail or reverse a customer’s completed payment because of your Credit balance — we could not even if we wanted to, because we never control the money.
  7. We may change fee rates and slabs prospectively. Changes do not affect the rate attached to Credits you already hold.

7. Service Levels, Limitations and Disclaimers

You acknowledge and agree that:

  1. The Service depends on signals generated by third-party systems we do not control — your Android device, your UPI application, your bank’s SMS infrastructure, your mobile network, and your hosting provider. Notifications can be delayed, suppressed (for example by battery optimisation or notification settings on your own device), or never generated at all (for example, banks may not send SMS for small amounts).
  2. The Service is therefore provided on a best-effort, “as is” and “as available” basis. We do not warrant that every payment will be detected, or detected within any particular time. The Service is designed so that an undetected payment results in an order waiting for manual verification — never in lost money — because the money is already in your bank account.
  3. Verification is a statement that a Payment Signal matching the order’s amount (or reference) was observed on your device. It is not a guarantee against fraud by Your Customer, including payments later disputed or made from stolen accounts. You remain responsible for your own fraud screening for high-value orders.
  4. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose and non-infringement.

8. Prohibited Businesses and Conduct

You may not use the Service in connection with: narcotics or controlled substances; weapons; sexual services; gambling, betting or lottery where not licensed; securities, forex or crypto-asset dealing; multi-level marketing or Ponzi schemes; counterfeit goods; hacking tools or services; or any goods or services prohibited under Indian law. We may suspend or terminate accounts engaged in prohibited conduct without notice and without refund of Credits.

9. Intellectual Property

The Service, including its software, design, logos and documentation, is owned by PaidBeep and its licensors. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Listener App and the plugin solely to use the Service for your own business. You may not copy, modify, reverse-engineer, resell, sublicense or create derivative works from the Service, except to the extent such restriction is prohibited by law. The WordPress plugin is licensed under GPL-2.0+ to the extent required by the WordPress ecosystem; the PaidBeep servers and Service remain proprietary.

10. Data

Our collection and use of personal data is described in our Privacy Policy, which forms part of these Terms. You warrant that you have the right to provide us any data you submit, and that where the Listener App forwards notification or SMS text from your device, you consent to that processing. As between you and PaidBeep, you are the data fiduciary for Your Customers’ order data, and we process it on your behalf to provide the Service.

11. Suspension and Termination

You may stop using the Service and delete your account at any time; unused Credits are governed by the Refund Policy. We may suspend or terminate your access, with or without notice, if: you breach these Terms; we are required to by law or by a competent authority; your use creates risk or possible legal exposure for us; or the Service is discontinued. On termination for your breach, remaining Credits are forfeited. On discontinuation of the Service by us without your breach, we will, as your exclusive remedy, refund the unexpired, unused portion of your Credits on a pro-rata basis.

12. Limitation of Liability

To the maximum extent permitted by law: (a) PaidBeep shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, lost data or business interruption; and (b) PaidBeep’s total aggregate liability arising out of or relating to the Service shall not exceed the total fees actually consumed by you (deducted from your Credits) in the three (3) months preceding the event giving rise to the claim. Because we never hold your money, in no event shall we be liable for the amount of any underlying payment between you and Your Customer. Nothing in these Terms limits liability that cannot be limited under applicable law.

13. Indemnity

You will indemnify and hold harmless PaidBeep, its owners, employees and agents from any claim, demand, loss or expense (including reasonable legal fees) arising from: your breach of these Terms; your goods, services, or dealings with Your Customers; your violation of any law or of the rules of your bank, NPCI, or UPI application provider; or data you provide to us.

14. Changes to the Service and these Terms

We may modify the Service and these Terms. Material changes will be notified via the dashboard or email at least 7 days before taking effect. Your continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the Service before the changes take effect.

15. Governing Law and Disputes

These Terms are governed by the laws of India. Subject to the arbitration clause below, courts at New Delhi, India shall have exclusive jurisdiction. Any dispute arising out of these Terms shall first be attempted to be resolved amicably within 30 days of written notice; failing which it shall be referred to arbitration by a sole arbitrator under the Arbitration and Conciliation Act, 1996, seat and venue New Delhi, language English. The foregoing does not prevent either party from seeking urgent injunctive relief from a court.

16. Miscellaneous

These Terms, the Privacy Policy and the Refund Policy are the entire agreement between you and PaidBeep. If any provision is held unenforceable, the remainder survives. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor of the business. Notices to you may be given by email to your registered address or via the dashboard.

17. Contact

PaidBeep · Email: support@paidbeep.com · Website: https://paidbeep.com

By clicking “Sign up”, installing the PaidBeep app or plugin, or using the Service, you acknowledge that you have read, understood, and agree to these Terms of Use.