Terms of Service

Last updated: September 5, 2026

These Terms of Service ("Terms") govern your use of UPIDrop ("Service"), operated by Roori ("we", "us", "our"). By accessing or using UPIDrop, you agree to be bound by these Terms.

1. Service Description

UPIDrop is a payment gateway platform that enables merchants to accept direct UPI payments with 0% transaction fees. The service includes:

• UPI payment link and QR code generation
• Payment order management dashboard
• SmartTrack — automated payment reconciliation
• Webhook notifications for payment events
• JavaScript SDK and API for website integration
• Business verification (KYC) system

2. Eligibility

• You must be at least 18 years old
• You must be a resident of India or operate a business registered in India
• You must have a valid UPI VPA linked to a bank account in your name or your business's name
• You must complete business verification (KYC) before accepting live payments

3. Account Registration

• Accounts are created via Google Sign-In
• Two-factor authentication (TOTP) is mandatory for all accounts
• You are responsible for maintaining the security of your account credentials, API keys, and 2FA device
• You must provide accurate and complete business information during KYC verification
• One Google account may only be linked to one UPIDrop merchant account

4. Acceptable Use

You agree not to use UPIDrop for:

• Illegal activities or products prohibited under Indian law
• Selling counterfeit, stolen, or unauthorized goods
• Gambling, betting, or lottery services (unless licensed)
• Adult content, drugs, weapons, or other restricted categories
• Money laundering, terrorist financing, or sanctions evasion
• Fraudulent transactions or price manipulation
• Circumventing UPI transaction limits or NPCI regulations
• Abusing the API through excessive requests beyond rate limits

5. Payment Processing

• Direct settlement: Customer payments go directly to your UPI VPA. UPIDrop does not hold, pool, or intermediate funds at any point.
• No transaction fees: UPIDrop charges 0% transaction fees. Revenue is generated through subscription plans only.
• Dynamic Paisa: UPIDrop may add a fractional paisa offset (₹0.01–₹0.99) to payment amounts for automatic reconciliation. This is clearly disclosed on the checkout page.
• Order expiry: Payment orders expire after 10 minutes. Expired orders cannot be paid.
• UTR verification: Customers must provide a valid 12-digit UTR for manual payment confirmation.

6. Subscription Plans

• Trial (7 days): Free access to all features
• Pro Monthly (₹99/month, regular ₹499/month): Full access with no order limits, 0% commission

Subscriptions are non-refundable except as described in our Refund Policy.

7. API Usage

• API keys are provided for programmatic integration
• Rate limit: 60 requests per minute per IP address
• You must not share your Secret Key publicly or embed it in client-side code
• Webhook payloads are signed with HMAC-SHA256; you must verify signatures server-side
• We may suspend API access for abuse or violation of these Terms

8. Intellectual Property

The UPIDrop name, logo, dashboard design, SDK code, and SmartTrack technology are proprietary. You may use the provided SDK and API solely for integrating UPIDrop into your applications.

9. Limitation of Liability

• UPIDrop is provided "as is" without warranties of any kind
• We are not responsible for UPI network downtime, bank failures, or payment delays caused by third parties (NPCI, banks, UPI apps)
• Our liability is limited to the subscription fees paid in the preceding 12 months
• We are not liable for losses arising from unauthorized access to your account due to your failure to secure credentials

10. Account Suspension and Termination

• We may suspend your account for suspected fraud, AUP violations, or non-payment
• You may delete your account at any time by contacting us
• On termination, your data will be retained as required by law (see Privacy Policy)

11. Dispute Resolution

• Disputes between merchants and customers are the merchant's responsibility
• Disputes with UPIDrop shall be resolved through arbitration under the Arbitration and Conciliation Act, 1996
• The jurisdiction shall be Mumbai, Maharashtra, India

12. Governing Law

These Terms are governed by the laws of India. Any legal proceedings shall be subject to the exclusive jurisdiction of the courts in Mumbai, Maharashtra.

13. Changes to Terms

We may update these Terms from time to time. Material changes will be communicated via email or dashboard notification. Continued use after changes constitutes acceptance.

14. Contact

• Email: rohitmore3192@gmail.com
• Operator: Rohit More (Roori)
• Location: Mumbai, Maharashtra, India