Terms & Conditions


CrystalPay is the Brand of CrystalPay Fintech Private Limited is a leading company registered under Ministry of Corporate Affairs (MCA) Act 2013. We are DPIIT recognized company by Government of India.

By accessing CrystalPay Service and CrystalPay Platforms, You represent that:-
• You are 18 years of age or older;
• You are capable of entering into a contract /legally binding agreement;
• You have the right, authority and capability to enter into this Agreement abiding by all the provisions of the “terms of use” of CrystalPay Services.
• You are not barred or otherwise legally prohibited from accessing or using services of CrystalPay or CrystalPay Entities under the laws of India.
• You are not impersonating any person or entity, or falsely stating your age or affiliation with any person or entity. CrystalPay and CrystalPay Entities shall reserve the right to terminate your contract to use CrystalPay Platform in case of any incorrect representation of the above-mentioned conditions.
• The mandatory information and Officially valid document(s) “OVD”/ document details mentioned by you are true & correct and belong to You.

CrystalPay Services

CrystalPay and CrystalPay Entities provide services via CrystalPay Platform. You further agree and acknowledge the terms of use of CrystalPay Services provided on CrystalPay Platform.
• CrystalPay Account (“PA”) - CrystalPay Account is the account that you create when you sign-up/register with CrystalPay.
• This account allows you to access CrystalPay Platform, browse through the CrystalPay Service, make payment using debit card, credit cards or net banking collectively known as (‘Payment Gateway Services’) to permissible merchants on CrystalPay Platform or on Participating Platforms.
• You can also avail Recharge & Bill Payment facility made available to CrystalPay Users under the Terms of Use of such Service.
• Access to PA enables you to browse through CrystalPay Services provided by CrystalPay Entities and in order to avail, enroll or use any such Service you may need to additionally register for such services by providing some more information as required under the Terms of Use of such products/services.
• Allows you to share and maintain the Know Your Customer “KYC” details and information for underwriting purposes for other financial and non-financial products available on CrystalPay App Services.

You further agree to CrystalPay Privacy Policy as applicable for CrystalPay and CrystalPay Entities.
In order to avail CrystalPay Services, you need a mobile, internet or any other supported device that meets the compatibility requirements of accessing CrystalPay app and CrystalPay website, which may change from time to time. CrystalPay may further release updates to its application and You are required to update the CrystalPay app as and when available for you, in order to continue availing CrystalPay Services.

You agree that your mobile device, mobile service provider or any other services that you may avail from anybody to access CrystalPay Platform, may incur charges and you are solely responsible for such charges, terms of use, fees as per your agreement with the third party.

Sign-Up / Registration

In order to use the full spectrum of CrystalPay Services, You need to register on the CrystalPay App and provide Us with accurate and complete information. You are also required to keep your accounts, KYC details and contact information complete and updated at all times.

Once you sign-up on CrystalPay, you are entitled to a Phone Account. You can also register with CrystalPay from any third-party merchant platform subject to certain conditions and limitations available on CrystalPay website & application. Once registered with CrystalPay, certain services may ask you for additional information in order or avail such service and may involve creation of sub-accounts for availing such services.

The device on which You download CrystalPay App and use during registration, shall become Your registered device and device details shall be stored by us. The moment You log into your CrystalPay account from a different device using the CrystalPay app, You will be asked to allow CrystalPay to send an SMS from the new device, after which the new device becomes the registered device. You will not be able to access your CrystalPay account using your previous device until you re-login and re-authorize yourself on that device.

Your conduct on Website(s) and Application(s)
In order to access CrystalPay Services, you are required to provide information about yourself as part of the signup process, or as part of your ability to use services provided by Us. You agree that any information you provide will always be accurate, correct, and up to date and some services may require you to share additional information which might include your personal information, personal sensitive information. Your information management shall be as per CrystalPay Privacy Policy.
You shall promptly inform CrystalPay of any unauthorized usage of your CrystalPay Wallet or loss of mobile device and any other circumstances which may lead to unauthorized usage of your CrystalPay Account. The responsibility of any transaction prior to intimation, will solely be on the registered User;

You understand that while availing services offered by Merchants and your payment to merchants using any of CrystalPay Services (Prepaid CrystalPay Wallets, eGVs, Unified Payment Interface, Payment Gateway), you understand that we are not a party to the contract between you and the Merchant and act only as an Intermediary ( IT Act 2000). CrystalPay does not endorse any advertiser or Merchant linked to its website or app. Furthermore, CrystalPay is under no obligation to monitor the Merchant's service used by you; the Merchant alone will be responsible for all obligations under the contract including (without limitation) warranties or guarantees. Any dispute with or complaint against any Merchant must be directly resolved by you with the Merchant. It is clarified that CrystalPay shall not be responsible or liable for any deficiency in goods and/or services purchased using CrystalPay Wallet balance. You are instructed to satisfy yourself regarding the quality, quantity and fitness of any good and/or service before purchasing the same.

You agree that in case any amount is transferred erroneously by You to any Merchant, Participating Platforms or any other person, CrystalPay shall not be liable to refund such amount to You under any circumstances.

You further agree that Any web-link on the website to a third-party site is not an endorsement of that web-link. By using or browsing any such other web-link, you shall be subject to the terms and conditions in each such web-link.

You agree that if You provide any information that is incorrect, inaccurate, not current or incomplete or We have reasonable grounds to suspect that such information is incorrect, inaccurate, not current or incomplete, or not in accordance with the this Terms of Use, We shall have the right to indefinitely suspend or terminate or block access CrystalPay Platform and/or take necessary steps in accordance with applicable Law without any further notice.

You are responsible for maintaining the confidentiality of any login information and secure access credentials associated with your CrystalPay account. Accordingly, you are responsible for all activities that occur under your account/is using your secure credentials and CrystalPay shall not be liable for any such change or action performed by using your secure credentials on CrystalPay Platform.

Attempting to access CrystalPay Platform using any other means apart from ones provided by Us is strictly prohibited and shall be deemed unauthorized access, whether attempted or accessed through any automated, unethical or unconventional means. Further you should not directly or indirectly engage in any activity using device, software or any routine process that disrupts or interferes with our ability to service you or any other user(s) on CrystalPay Platform, including the servers and/or networks to which our resources are located or connected. You are solely responsible for any consequences, losses, or damages that we may directly or indirectly incur or suffer due to any unauthorized activities conducted by You, as explained above, and may incur criminal or civil liability.

You shall not use any "deep-link", "page-scrape", "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual or digital process, to access, acquire, copy or monitor any portion of the CrystalPay Platform or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the CrystalPay Platform or any content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the CrystalPay Platform.

You shall not probe, scan or test the vulnerability of the CrystalPay Platform or any network connected to the Us, You may not reverse look-up, trace or seek to trace any information on any other User of or visitor to CrystalPay Platform, or any other customer, including any account on the CrystalPay Platform not owned by You, or exploit the CrystalPay Platform or any CrystalPay Service or information made available or offered by or through the CrystalPay Platform, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than Your own information, as provided for by the CrystalPay Platform.

You further agree that -
• In the event of any dispute, CrystalPay records shall be binding as the conclusive evidence of the transactions carried out through use of CrystalPay Services.
• CrystalPay shall send all customer communications by SMS and/or email and they shall be deemed to have been received by You after they have been submitted for delivery to the SMS/email service providers.
• Agree to receive all commercial messages including transactional messages from CrystalPay/ Merchant.
• To use the CrystalPay Services in good faith and in compliance with all applicable laws and regulations.
• You would be solely responsible for payment of any taxes, duties or other governmental levies or any financial charges that may be imposed on any products or services purchased or supplied by a Merchant or otherwise arising from online transactions.
• ensure that the CrystalPay Services are not used for transactions in foreign currency, unless permitted for any CrystalPay Service.

Third Party terms and conditions

CrystalPay and CrystalPay Entities, may provide third party services via CrystalPay Platform. You understand that We do not own those services and you may need to accept their respective terms and conditions, ane may require to share additional information in order to avail such products/services provided by third parties on CrystalPay Platform CrystalPay does not hold any Liability on the information collected from You by third party website or application and We cannot indemnify You for any third party actions.


CrystalPay or CrystalPay Entities may invite you to participate in any offer from time to time. You agree that participating in such an offer is subject to your agreement to the respective offer terms and conditions. You also understand that the offers might be provided by third parties on CrystalPay Platforms and you may require to agree to respective terms and conditions of third parties. You further agree that offers provided to any user may vary from user to user.

CrystalPay reserves the right to disqualify You from any offer in case you do not meet the eligibility criteria for such an offer or any other reasons thereof including but not limited to misuse of offer, misrepresentation, fraud or suspicious transactions/activities, including but not limited to PMLA directives or any at our sole discretion without further notice.


CrystalPay and CrystalPay entities may communicate with you on the contact information that you may have provided to Us during the course of your engagement, including but not limited to signup, transacting or availing any third party products or services on CrystalPay Platform.

We will send you communication alerts via emails or SMS or push notifications or via other progressive technology. You also agree that there can be disruption in communications due to factors that are not under Our control, including but not limited to Your Phone being switched off, incorrect email address, network interruptions. You agree not to hold CrystalPay liable for non-delivery for any alert or any loss suffered by you due to delay, distortion or failure of communication.

You further acknowledge that you are responsible for the contact details shared with Us and shall update us on any change on your contact details. You authorize Us to contact you and communicate with you for any CrystalPay Service or Offer(s). We may use third party service providers to send alerts or communicate with you. You authorize CrystalPay and CrystalPay Entities to override the DND settings to reach out to you over calls, SMS, emails and any other mode of communication.

Intellectual Property Rights

Intellectual Property Rights for the purpose of this Terms of Use shall always mean and include copyrights whether registered or not, patents including rights of filing patents, trademarks, trade names, trade dresses, house marks, collective marks, associate marks and the right to register them, designs both industrial and layout, geographical indicators, moral rights, broadcasting rights, displaying rights, distribution rights, selling rights, abridged rights, translating rights, reproducing rights, performing rights, communicating rights, adapting rights, circulating rights, protected rights, joint rights, reciprocating rights, infringement rights. All those Intellectual Property rights arising as a result of domain names, internet or any other right available under applicable law shall vest in the domain of CrystalPay or CrystalPay entities as the owner of such domain name. The Parties hereto agree and confirm that no part of any Intellectual Property rights mentioned hereinabove is transferred in the name of User and any intellectual property rights arising as a result of these presents shall also be in the absolute ownership, possession and Our control or control of its licensors, as the case may be.

All material on this CrystalPay website and mobile application, including images, illustrations, audio clips, and video clips, are protected by copyrights, trademarks, and other intellectual property rights of CrystalPay, CrystalPay Entities or Business Partners. Material on Website is solely for Your personal, non-commercial use. You must not copy, reproduce, republish, upload, post, transmit or distribute such material in any way, including by email or other electronic means and whether directly or indirectly and You must not assist any other person to do so. Without the prior written consent of the owner, modification of the materials, use of the materials on any other platform or networked computer environment or use of the materials for any purpose other than personal, non-commercial use is a violation of the copyrights, trademarks and other proprietary rights, and is prohibited.

Use of Group Companies:

You understand and agree that CrystalPay and CrystalPay Entities reserve the right to use the services of themselves to provide any of the mentioned CrystalPay Services to you within CrystalPay Platforms.


You agree that CrystalPay at its sole discretion may terminate your contract without prior notice and restrict your access to CrystalPay application if We determine that You have violated the terms of use and You consent that in case CrystalPay suffers losses, not limited to monetary losses, due to Your actions, We can take injunctive relief or any other legal action as deemed necessary within the said circumstances and CrystalPay is not liable for any loss to You due to termination.

Limitation of Liability

Financial and non-financial transactions performed by You on CrystalPay Platform is always processed by You or under Your exclusive authorization.
In no event will CrystalPay be liable for any indirect, consequential, incidental, special or punitive damages, including without limitation damages for loss of profits or revenues, business interruption, loss of business opportunities, loss of data or loss of other economic interests, whether in contract, negligence, tort or otherwise, arising from the use of or inability to use the Services, however caused and whether arising in contract, tort, negligence, warranty or otherwise, exceed the amount paid by You for using the Services giving rise to the cause of action or Rupees One Hundred (Rs. 100) whichever is less.


You shall indemnify and hold harmless CrystalPay, CrystalPay Entities, its owner, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys' fees, made by any third party or penalty imposed due to or arising out of Your breach of this Terms of Use, privacy Policy and other Policies, or Your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.

Force Majeure

A Force Majeure Event shall mean any event that is beyond the reasonable control of the CrystalPay and shall include but not limited to war, riots, fire, flood, acts of God, explosion, strikes, lockouts, slowdowns, prolonged shortage of energy supplies, Pandemic, computer hacking, unauthorized access to computer data and storage devices, computer crashes ,acts of state, governmental, legal or regulatory actions prohibiting or impeding CrystalPay Entities from performing its respective obligations under the contract.

Dispute, Governing Law & Jurisdiction

This Agreement and the rights and obligations thereunder and the relations of the parties and all matters arising under or in connection with this Terms of Use, including the construction, validity, performance or termination thereunder, shall be governed by and construed in accordance with the laws of the Republic of India. Subject to and without prejudice to the amicable settlement, the courts in Agra, Uttar Pradesh shall have exclusive jurisdiction to try and adjudicate all matters arising in connection with your use of the CrystalPay Services /PA or other matters covered herein.

Disputes or differences or concerns if any should be raised within 30 days of happening or non-happening of an event related to CrystalPay Services, if complaint was not raised within 30 days as Grievance Policy then CrystalPay will not be liable for any type of claim.


As part of this continual innovation and improvement, we sometimes may add or remove features and functionalities, increase, or decrease limits to our CrystalPay Services, start offering new services or stop offering old ones on CrystalPay Platforms. Such offering can also be due to discontinuation of any service or offering on CrystalPay Platform by third party service providers or business partners.

We may record or monitor Our conventions with You for records and monitoring quality of our conversations.
Any content downloaded or otherwise obtained through the use of our Platform is done at your own discretion and risk, and We cannot confirm that such documents or contents are error or virus free and You understand and acknowledge that you are solely responsible for any damage to your devices, for any loss of data that may result from the download of such contents.

CrystalPay and third-party partners make no warranty, express or implied regarding the quality of Services including but not limited to:
• the Services will meet your requirements;
• the Services will be uninterrupted, timely or error free; or
• any products, information or material obtained by You in connection with the services will meet Your requirements.
Except as expressly provided herein and to the full extent permitted by law, the CrystalPay Services are provided "as is", "as available" and "with all faults". All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded. It is Your responsibility to evaluate the accuracy, completeness and usefulness of the CrystalPay Services and other information provided by CrystalPay or generally available. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement.

If you have a dispute with other parties, you release CrystalPay (and our affiliates and officers, directors, agents, and employees thereof) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

Terms of Use of CrystalPay Recharge & Pay Bills

These terms and conditions regulate the use of Recharge and Bill Pay services enabled by CrystalPay Fintech Private Limited, a company incorporated under the Companies Act, 2013 with its registered office at P-14 Crystal City near TDI City, Fatehabad road Agra Uttar Pradesh, India (hereinafter referred to as “CrystalPay”/ “we”/”us”/” our”).

By proceeding to use of CrystalPay Recharge & Pay Bills, you (“User”/ “you”/ “your”) signify your consent to be bound by these Terms of Use (hereinafter “Bill Pay T&Cs”) in addition to agreeing to the General CrystalPay Terms and Conditions ( “General Terms” ) located athttps://www.CrystalPay.in/terms-conditions/and Privacy Policy which is available athttps://www.CrystalPay.in/privacy-policy/. Whenever the context requires “User”/ “you”/”your” shall mean any natural or legal person who is a resident of India, at least 18 (eighteen) years of age who is eligible to contract within the meaning of the Indian Contract Act, 1872, is not an undischarged insolvent and has registered on the CrystalPay App by accepting these Bill Pay T&Cs.

By proceeding to use the CrystalPay Services which includes Recharge & Pay Bills offerings of CrystalPay, you shall be contracting with CrystalPay and these Bill Pay T & Cs including all policies referenced herein will constitute your binding obligations, with CrystalPay in connection with this offering.

Further, the term "Merchants/ Billers’ shall include for the purpose of the Recharge & Pay Bills category any establishment and/or entity who is providing you utility services, payment services and accepts the CrystalPay wallet, UPI, Debit Card/ Credit Card (‘ payment options’) as a payment method for online or offline purchase of utilities, payment services through an aggregator or a BBPO to whom you can make bill payment or recharge using CrystalPay App.

When you transact using the CrystalPay App (with any payment options ) for availing the Recharge & Pay Bills Services through the CrystalPay App or on any Merchant website/ Merchant platform/ Merchant store, these Bill Pay T & Cs will be applicable to you in addition to the T&Cs of the respective Merchants.

We reserve the right, at Our sole discretion, to change, modify, add or remove portions of these Terms of Use, at any time without any prior written notice to You. It is Your responsibility to review these Terms of Use periodically for updates / changes. Your continued use of CrystalPay App following the posting of changes will mean that You accept and agree to the revisions including additional Terms or removal of portions of these Terms, modifications etc. As long as You comply with these Terms of Use, We grant You a limited privilege to utilize the CrystalPay App for Recharge & Bill Pay offering and other services that maybe offered through CrystalPay App from time to time for payments, subscriptions, recharges, utility payments and any other recurring payments.


By impliedly or expressly accepting the Recharge & Pay Bills T&Cs, you also agree and consent to be bound by all CrystalPay Policies including the Privacy Policy.
a. General Terms for Recharge & Pay Bills
• Users may note that CrystalPay is only a facilitator of payments and is not a party to the payments.
• CrystalPay facilitates Recharge and Pay Bills services by allowing you to pay for the Mobile Post-paid, Prepaid Recharge and landline Phone Bill Payment, DTH and Subscription for Streaming Services Payment, Other Utility Payments like Electricity, LPG etc. Credit Card Payment, Insurance Premium Payment, Donate online, Internet broadband and Data card Bill Payment, Municipal Tax & Water Tax payment, School Fees payment, Toll Tax recharge (FasTag), Loan repayment and other services provided by CrystalPay from time to time which are available under “Recharge and Pay Bills” section of Mobile APP through a) aggregators with whom CrystalPay has a contract or b) through the Bharat Bill Payment Operating Unit (BBPOU) infrastructure where the Merchant is registered with NPCI for Bill payments.

b. Setting up Recharge & Pay Bills:
• In order to make the recharge or bill payments you will have to provide the unique customer identity/ subscription identity number or bill number or registered mobile number, registered telephone number or such other identifier(s) which are required to fetch the payment/subscription due or bill value, subscription plan, due date, outstanding amount due and such other information necessary to enable the payment to your account with the Merchant.
• You authorize CrystalPay to access, fetch, share, use, store the information related to your account with the Merchant for Recharge & Bill Pay Services on an ongoing basis on your behalf for the said purposes.
• You understand that correctness of information is of utmost importance for fetching the right bill and subscription value and you accordingly confirm to ensure and be responsible for the correctness of the identifier information.
• You understand that the amount to be paid, recharged or subscription value is an agreement between you and the Merchant and CrystalPay has no obligation to verify the correctness of the same.
• You agree to keep your account information upto date and comply with the terms and conditions at all times otherwise CrystalPay has the right to suspend the account or deny any services.
• You agree that for providing the Recharge & Bill Pay Services the User identifier data, location/state and/or kyc information / any other personal information would be required to be shared with the Merchant/ biller for tax /GST purposes.
• You agree and authorize CrystalPay to communicate with the Merchant, third party service providers, aggregators with your account information for processing the transaction,
• You also agree that CrystalPay may set up reminder facility or auto payment facility which you expressly consent to and understand that payment once made to the Merchant for Recharge and Bill Pay is non - refundable.
• You shall be responsible for any duplicate standing instructions for payment or delayed payments or any penalty/ interest levied by the Merchant on the payments made. It is re-iterated that CrystalPay only facilitates the payments to the Merchants on your behalf.
c. Charges:
• There may be charges for access, third party payment or such other data fees from third party payment participants and/ or Billers which you expressly agree and shall not hold CrystalPay liable for the same.

d. Your Responsibilities: In connection with your use of the CrystalPay Recharge & Pay Bills, it shall be your responsibility to adhere to the following:
• You should verify from the transaction history and/or the notifications about the success or failure of the transaction.
• You shall be responsible for any charges levied by the Merchant/Biller in relation to the Recharge & Pay Bills services that can deducted from your account or that are added to your bill / subscription fees.
• You shall be responsible for keeping a track of your periodic bills, subscription fee and recharge expiries and or due dates of any utilities/ services or recurring charge services that you have availed and CrystalPay shall not be responsible for any technical issue related to periodic retrieval of the bills from the Billers or any errors / discrepancies in the Bills.
• You shall be responsible for scheduling your bill payment and you understand that the payment realization time shall vary from Merchant to Merchant and it is only based on your instructions that we will make the payment. We shall not be responsible for the delays/ reversals or failure of transaction.

e. User Errors:
• If you erroneously send a payment to the wrong party or wrong biller or double pay or send a payment for the wrong amount (for instance a typographical error at your end) your only recourse will be to contact the Merchant /Party to whom you have sent the payment and ask them to refund the amount. CrystalPay will not reimburse you or reverse a payment that you have erroneously made.

f. Disclaimers:
• You agree that all risks arising from online transactions will be borne by You.
• CrystalPay and third-party partners make no warranty, express or implied regarding the quality of Services including but not limited to: i) the Services will meet your requirements; II) the Services will be uninterrupted, timely or error free; or III) any products, information or material obtained by You in connection with the services will meet Your requirements.
• Except as expressly provided herein and to the full extent permitted by law, the Wallet feature is provided "as is", "as available" and "with all faults". All such warranties, representations, conditions, undertakings and terms, whether express or implied, are hereby excluded. It is Your responsibility to evaluate the accuracy, completeness and usefulness of the Services and other information provided by CrystalPay or generally available. We do not authorize anyone to make any warranty on our behalf and You should not rely on any such statement.

g. Other Terms:
All other terms including terms such as User Registration, Privacy, User Responsibilities, Indemnification, Governing Law, Liability, Intellectual Property, Confidentiality and General Provisions etc. are deemed to be incorporated into these Terms of Use by reference to the General Terms.