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NAVI PAYMENT TECHNOLOGIES PRIVATE LIMITED

TERMS & CONDITIONS

PLEASE READ THESE TERMS CAREFULLY

Last Updated on October 29th, 2026

We at Navi Payment Technologies Private Limited (formerly known as Uniorbit Payment Solutions Private Limited) (“our”, “us”, “we”, “Company”, “NPTPL”) own, operate and manage thePayment Aggregator services and payment facilitation infrastructure hosted on or integrated via the Navi App, website, or merchant checkout platforms (“PA Services”) and are happy to have you with us. 

Please read these terms of use (“Terms”) carefully before you use the PA Services since they constitute the agreement between you and us, as identified hereinbelow in paragraph. 

For your ease, we have provided summaries of some crucial Terms. However, in case of any conflict between the summaries and these Terms, the Terms shall prevail. These Terms incorporate by reference the NPTPL Privacy Policy, including all its variants and updates, available here (“NPTPL Privacy Policy” or “Policy”).

By accepting these Terms, accessing or using the PA Services, you agree to be bound by these Terms and to the collection and use of your information as set forth in the NPTPL Privacy Policy. All PA  Services are subject to applicable laws, government notifications, the rules, regulations and guidelines issued by the Reserve Bank of India (“RBI”) including the Reserve Bank of India (Regulation of Payment Aggregators) Directions, as amended from time to time. 

We may revise these Terms as well as update the PA Services from time to time, so please keep visiting this page regularly. If you do not agree with any part of these Terms, please stop using the PA Services immediately. If you have any queries or concerns regarding these Terms, please contact our Nodal Officer (please refer to Paragraph 12 below). These Terms only apply to your use of the PA Services. If you use any other service or application provided by any of our Affiliates, such as the Navi mobile application provided by Navi Limited (formerly known as Navi Technologies Limited) (“Navi App”), please read the Navi Terms of Use (available here), Navi Privacy Policy (available here) and any other agreement entered into between you and our Affiliate(s) or any other binding policy or document.

Any parent, subsidiary, or group company of NPTPL is collectively referred to as “Affiliates”.

1. SCOPE OF OUR SERVICES

Summary: We facilitate PA Services to you. You must be legally permitted to enter into a contract and provide the information and permissions we need in the manner we ask for. 

1.1 Description of NPTPL

NPTPL facilitates payment aggregation services in India in accordance with the provisions of the Payment and Settlement Systems Act, 2007, the Reserve Bank of India (Regulation of Payment Aggregators) Directions, 2025 (Master Direction on Regulation of Payment Aggregators), and other applicable directions, circulars, and regulations framed thereunder by the RBI, as amended from time to time.

Further, in respect of the PA Services availed by you, please refer to the sections below. 

1.2 Description of PA Services

NPTPL owns and operates PA Services that facilitate the acceptance, routing, processing, and settlement of digital payment transactions between customers/payers and merchants across multiple payment channels (including UPI, cards, net banking, and other permissible payment instruments) via the Platform and integrated merchant checkouts.

PA Services can be availed via our Platform or integrated merchant interfaces which provides any of or a combination of the following services in relation to the same:

  1. display information to you in relation to PA Services, 
  2. provide a facility for you to initiate, authenticate, and complete payment transactions,
  3. undertake your KYC, or due diligence, where applicable, for PA Services,  
  4. communicate relevant details regarding your transaction status, payment receipts, or refund queries, 
  5. facilitate settlement of funds to merchants through designated escrow accounts in accordance with RBI directives,
  6. manage transaction disputes, chargebacks, and refund processing; and
  7. any other service in relation to the PA Services availed by you.

1.3 Eligibility 

You may use our PA Services only if you are legally permitted to do so under applicable laws. If we discover that any person using our PA Services is not capable of entering into a legally binding contract, we may immediately suspend or terminate their access to the PA Services.

1.4 Signing up and usage of our Platform 

In order to use or transact via the PA Services, you must access the PA Services on our Platform or through a partner merchant checkout interface. Where profile creation is required, you must explicitly consent to be bound by these Terms and the NPTPL Privacy Policy and provide us with requisite information to enable us to process your transaction or profile.

We may ask you to provide us with the following details (with supporting documents to our satisfaction):

  1. your name as per official identity records;
  2. mobile phone number;
  3. email ID;
  4. date of birth;
  5. residential or billing details; 
  6. PAN;
  7. bank account details or authorized payment instrument information; and / or
  8. such other additional documents and / or information as may be required from time to time under applicable KYC, AML, and CFT guidelines.

You must provide / upload the information and documents requested in the manner prompted in order to avail the PA Services. Additionally, to allow you a seamless experience of PA Services, and avoid asking you to re-enter your information, we may, with your consent taken under the NPTPL Privacy Policy, collect your information from our Affiliates.  

If you revoke any of the mandatory permissions required for fraud prevention, KYC (defined below), and such other purposes in relation to the PA Services, then you will not be able to avail the PA Services or have limited usage.   

We reserve the right to store information on your device in the form of cookies or similar files for purposes of modifying the PA Services to reflect your preference. 

The NPTPL Privacy Policy details the nature and type of information we collect and process to enable transaction routing, completing the Know-your-Customer (“KYC”) processes or to provide such information to us as it may need to process your transactions under the PA Services. If the information provided by you does not, in our sole discretion based on our internal policies, amount to reliable information or appears to be fraudulent, then we will not allow you to complete the transaction and you shall not be eligible to use the PA Services. If we discover any deficiency in the information provided by you on a later date, then we may block future transactions or suspend access to our PA Services. Please note that we may add further verification procedures in the future, whereby you may be required to provide us with more information.

2. DISCLAIMERS AND LIMITATIONS

Summary: We provide our PA Services ‘as is’, and we make no promises or guarantees about these PA Services. We will not be liable for damages or losses arising from your use or inability to use the PA Services or otherwise arising under this arrangement. 

The PA Services are provided on an ‘as is’ basis without any representation or warranties, express or implied except otherwise specified in writing. Further, the PA Services are intended for the use only by Indian residents and they may not be compliant with applicable laws, in the event these services are used from outside India. We do not warrant the PA Services complying with applicable laws for their usage from outside India and its quality. We or Navi Limited do not warrant the quality of the Navi App, including its uninterrupted, timely, secure or error-free provision, continued compatibility on any device, or correction of any errors. We do not guarantee the completion of any transaction, as transactions may be declined, timed out, or interrupted by issuing banks, card networks, acquiring banks, or intermediary clearing houses. In no event shall we or any of our successors, and assigns, and each of their respective investors, directors, officers, employees or agents be liable for any special, incidental, punitive, direct, indirect or consequential damages or losses suffered as a consequence of a breach of the Terms by another user or arising out of the use of or the reliance on PA Services.

In the event any exclusion contained herein is held to be invalid for any reason and we or any of our officers, directors or employees become liable for loss or damage, then, any such liability shall be limited to the actual transaction fee/convenience fee earned by NPTPL on the specific disputed transaction, or the transaction value, whichever is lower.

3. PRIVACY OF DATA

Summary: You can read about how we handle and use your data in our privacy policy available here.

The NPTPL Privacy Policy (available here) provides the manner in which we may store, process, collect, use and share the data that is collected from you. Please read it so you know your rights in this regard.

4. YOUR OBLIGATIONS

Summary: You must always (a) provide us with correct information; (b) keep your credentials and payment instruments secure; and (c) be responsible for all costs in case we suffer any damages or claims owing to your use of PA Services.

4.1 Duty to provide true information

The information you provide is used by us to determine your eligibility and process transactions via our Pa Services. It is critical that all information you provide to us is true, complete, not misleading and is regularly updated by you. You should also ensure that you have the right to share any information that you provide us, in order for us to provide you the PA Services. If all or any part of this information is incorrect, incomplete, fraudulent or misleading or if you do not have the right to share such information with us, it would be a breach of these Terms and a violation of the law. You must further ensure that you do not do anything that can make the information provided by you incorrect, incomplete, fraudulent or misleading at a later date. If you discover any information provided is incorrect, incomplete, fraudulent, misleading or provided without adequate authority, then please write to the respective Grievance Officer immediately.

4.2 Duty to be responsible

Considering the nature of PA Services provided, please ensure that you keep your mobile device, passwords, OTPs, PINs, and authentication factors safe. You are solely responsible for all activities that occur under your credentials or payment instruments during any transaction and any amounts debited or credited to your bank account. You should keep your confidential payment credentials safe and not disclose them to any third party. If you think someone has gained unauthorized access to your account or credentials, please contact our Grievance Officer immediately and undertake such other activities as may be required. If you are directed to third-party merchant or banking pages, you may be subject to terms and conditions governing the use of that third party’s service and that third party’s personal information collection practices. Please review such terms and conditions and privacy policy before using the third party’s services

4.3 Obligation to indemnify

To the extent permitted under applicable law, you agree to indemnify us and our directors, agents, and employees from and against all complaints, demands, claims, damages, losses, costs, liabilities and expenses, including attorney’s fees, due to, arising out of or relating in any way to (a) your access to or use of PA Services; (b) your breach of these Terms; (c) your breach of any applicable laws or third-party rights; and / or (d) any act of fraud or misrepresentation. 

4.4 Ensure compatibility and keep updated

You must ensure that you keep updating your browser, application, or operating software as and when new versions are released. Failure to do so may make you incapable of using certain features of PA Services.

5. RESTRICTIONS ON YOU 

Summary: You shall not hack or in any way jeopardize the PA Services. You should not use the PA for any illegal purposes. These are explicitly barred. 

5.1 No scaling or jeopardizing PA Services

You agree to not interfere with or use non-public areas of the Platform and our technical delivery system where the PA Services are hosted. You will not introduce any trojans, viruses, any other malicious software, any bots or scrape the Platform for any user information. Additionally, you will not probe, scan, or test the vulnerability of any system, security or authentication measures implemented by us. If you tamper or attempt to tamper with our technological design and architecture, we may block your access immediately. We may further report such actions to the appropriate law enforcement authorities and initiate legal actions.

5.2 No commercial usage

You shall use the PA Services only for your lawful, personal or authorized business payment requirements as permitted under these Terms. You will not use our PA Services for any purposes not permitted under applicable law and these Terms.

5.3 No illegal usage

You shall not use the PA Services for committing fraud, embezzlement, money laundering, financing of terrorism, purchasing goods/services prohibited under RBI guidelines, or for any other unlawful and / or illegal purposes. Further, although we may, from time to time, monitor or review any facilities, if established or otherwise offered for discussions, chats, postings, transmissions, bulletin boards, and the like, you are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. We are under no obligation to do so and assume no responsibility or liability arising from the content of any such locations nor for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy contained in any information contained within such locations on the PA Services. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any such information or materials.

6. INTELLECTUAL PROPERTY 

Summary: We own the content of PA Services. You cannot duplicate or commercially exploit PA Services or its content. 

  1. All of the content of PA Services, including, all images, illustrations, graphics, video clips, text, reports generated, trademarks, as well as the underlying code of the Navi App which hosts PA Services (“Content”), constitutes our / our Affiliates’ intellectual property. 
  2. We give you a limited, non-transferrable, non-sublicensable and revocable license to access the PA Services, avail of the features of PA Services for your personal, lawful requirements only. You are not entitled to duplicate, distribute, create derivative works of, display, or commercially exploit the Content, features or facilities, directly or indirectly, without our prior written permission.

7. REGULATORY CHANGES

Summary: Financial technology is an evolving sector. This may lead to changes in law and regulations which may lead to us modifying PA Services or shutting it down. 

Regulation around technology-driven financial services companies such as ours is ever changing. You understand that NPTPL may have to modify the PA Services on account of the regulatory landscape we are subject to. In such a case, if you become incapable of using all or any part of the PA Services, the same shall not be our fault.

8. THIRD PARTY LIABILITY 

Summary: In order to provide you with a working ecosystem, we collaborate with various third parties. These third parties have their own protocols, terms of use and privacy practices. We cannot be responsible for their activities. 

In providing the PA Services to you, we will need to use third-party services (including issuing banks, payment gateways, card networks, and partner merchants). This is done to facilitate and execute the PA Services we provide to you. While we have appropriate agreements in place with these third parties, we do not accept any liabilities that may arise from our use of or reliance on such third-party services, including failure, downtime, or delays caused at the merchant’s or bank’s end.

9. TERMINATION 

Summary: We may terminate or restrict your access to PA Services by informing you by email or electronic notice. However, you will continue to hold your existing obligations regarding initiated transactions unless all obligations are lawfully extinguished.

If we decide to terminate or restrict your access to the PA Services for any reason, we will inform you of such decision on the Platform or by email. However, this will not extinguish your obligations under the applicable PA Services, chargeback liabilities, and other NPTPL policies. We will not be liable for any losses or damages that you may suffer from such termination.

10. OPT-OUT REQUEST 

Summary: Email us at [email protected]  to opt out of receiving any updates from us. If you wish to unsubscribe from our mailing lists, please write to us at [email protected]. 

In case you need to remove yourself from our mailing list, please write to us at [email protected]. Do note that opting out from non-essential marketing communications will not extinguish your responsibilities and contractual liabilities under any PA Services already availed by you.   

11. FORCE MAJEURE 

Summary: We cannot be held responsible for any deficiency or loss of PA Services owing to any reasons outside of our control. 

Without limiting the foregoing, under no circumstances shall we be held liable for any damage, loss, or unavailability of the PA Services, due to deficiency in provision of the PA Services resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, internet failures, computer equipment failures, telecommunication equipment failures, clearing house / NPCI / banking system outages, or any other government regulations, floods, storms, electrical failure, civil disturbances, riots.

12. GRIEVANCE OFFICER

Summary: You may reach out to the Nodal Officer at [email protected] to enquire about your concerns. 

In order to address any questions or grievances that you may have regarding the use of PA Services, please contact our Nodal Officer in the following manner: 

Name: Vivek Balwani 

Email: [email protected].

Address: 9th Floor, Vaishnavi Tech Square, Iballur Village, Begur Hobli, HSR Layout, Bengaluru – 560 102 

13. GENERAL PROVISIONS

13.1 Notification

We shall notify you of any relevant information pertaining to your use of the PA Services by notification on the Platform, SMS, call, WhatsApp, instant messaging services or email or through any other means that we may deem appropriate. You authorize us to reach out to you, irrespective of whether you register with the National Do Not Call registry. You may reach out to us via email at [email protected].

13.2 Disputes

These Terms and any action related thereto will be governed by the laws of India. Any disputes arising out of or related to the Terms, the Platform, or the PA Services shall be subject to the jurisdiction of the courts located in Bengaluru, Karnataka. 

13.3 Assignment

You shall not assign or transfer any right or obligation that has accrued to you under these Terms, and any attempt by you to assign or transfer such rights and obligations, shall be null and void. We may assign or transfer any right or obligations that accrued in our favour, at our sole discretion, without any restriction. 

13.4 Waiver

Unless otherwise stated expressly, any delay or failure in our exercising any rights / remedies arising out of these Terms and / or other policies shall not constitute a waiver of rights or remedies and no single / partial exercise of any rights or remedies, hereunder, shall prevent any further exercise of the rights / remedies by us. 

13.5 Survival

You acknowledge that your representations, undertakings, and warranties and the clauses relating to indemnities, limitation of liability, dispute and chargeback settlements, repayment of loan, governing law & arbitration and these general provisions shall survive the efflux of time and the termination of these Terms. 

13.6 Severability

If any provision of these Terms is held illegal or unenforceable, the validity, legality and enforceability of the remaining provisions contained herein shall not in any way be affected or impaired thereby. Any such provision held invalid, illegal or unenforceable shall be substituted by a provision of similar import reflecting the original intent of the parties to the extent permissible under applicable laws. 

13.7 Amendment

We reserve the right to change, modify, add to, or remove discounts, portions of these Terms at any time, subject to the policies of NPTPL, and applicable laws.


*Navi Payment Technologies Private Limited has received in-principle authorization from the Reserve Bank of India (“RBI”) to operate as a Payment Aggregator under the RBI (Regulation of Payment Aggregators) Directions. Issuance of the final Certificate of Authorisation is subject to submission of the System Audit Report (SAR) and regulatory review by the RBI.