TERMS & CONDITIONS

These Terms & Conditions apply to your use of AR QUICK PAY through our website at https://arquickpay.com/ and the AR QUICK PAY Android application. By accessing an account or requesting a service, you agree to these Terms and the applicable service-specific conditions.

If you do not agree, do not use the relevant service. Additional terms imposed by a bank, payment gateway, biller, operator or other service partner may also apply.

Depending on availability, user eligibility and partner arrangements, AR QUICK PAY may provide access to services such as:

• Mobile and DTH recharge;
• Electricity and other utility bill payments;
• Credit card bill payments;
• LIC or other insurance premium payments;
• Wallet or digital payment features;
• AEPS, banking or money transfer services; and
• BBPS and other supported bill-payment services.

Not every service is necessarily available to every user or at all times. Services that are regulated or provided by a third party are subject to that provider's eligibility rules, terms and applicable law.

You agree to:

• Provide accurate and up-to-date details when registering or making a transaction;
• Check the mobile number, biller, account/reference number, amount and other details before confirming a transaction;
• Keep passwords, MPINs, OTPs and account credentials confidential;
• Use the service only for lawful purposes and not for fraud, impersonation or unauthorised activity;
• Upload only genuine, relevant documents or photos requested for a service; and
• Notify customer support promptly if you suspect unauthorised account access or a transaction.

You are responsible for errors caused by details you entered incorrectly, subject to applicable law and any mandatory rights or protections.

Transactions may depend on payment gateways, banks, billers, mobile operators, insurance partners, API providers, internet connectivity and other external systems.

A payment confirmation from a payment provider does not always mean that the recharge, bill payment or other service has been completed. Check the transaction status shown by AR QUICK PAY and, where appropriate, the relevant operator or biller. Keep the transaction/reference number for support enquiries.

Do not repeatedly submit or pay for the same transaction while its status is pending unless the status or support team instructs you to do so.

Eligibility

• Failed transaction: If payment was debited but the requested service failed, check the transaction status and contact support with the transaction/reference number. After verification, an eligible refund or reversal will be handled according to the payment provider, bank, biller and applicable rules.
• Pending transaction: A transaction may require time for confirmation from a bank, operator or biller. We will review the status before confirming whether a refund or reversal is due.
• Successful recharge or bill payment: A completed service may not be cancellable or refundable, particularly where the operator or biller has already fulfilled it. Any exception is subject to the relevant provider's rules and applicable law.
• Incorrect details entered by the user: A transaction completed using incorrect details may not be reversible. Contact support immediately; any correction or refund depends on whether the provider can intervene and on applicable rules.
• Duplicate payment or duplicate transaction: Report the transaction references to support so the records can be checked. Any eligible reversal or refund is subject to verification and provider rules.

Refund method and timeline
Where a refund or reversal is approved, it will generally be returned through the original payment method or another method permitted by the relevant payment provider. The time taken depends on the bank, payment gateway, operator or biller and may differ by transaction type. We will communicate any confirmed status available to us; we do not guarantee a fixed timeline where it is controlled by a third party.

How to request help
Contact us at arquickpayofficial@gmail.com or call +91 8529686564. Include your registered mobile number, transaction/reference ID, date, amount and a short description. Do not send passwords, MPINs or OTPs.

This policy does not remove any refund, reversal, grievance or consumer right that cannot lawfully be excluded. If a service provider publishes a specific refund process or mandatory timeline, that process will also apply.

AR QUICK PAY provides access to digital services; delivery is generally electronic and no physical shipment is made for a digital recharge or bill payment.

• Mobile/DTH recharge: after the transaction is accepted and processed, the operator should apply the recharge to the selected account or number. Check with the operator if it does not appear.
• Bill payments: a payment is treated as completed only when the transaction/biller status confirms successful processing. Keep the biller reference or receipt for your records.
• Insurance or premium payments: retain the payment receipt/reference and confirm posting with the insurer when needed, especially near a due date.
• Wallet, banking, AEPS or money-transfer services: availability, processing, confirmation and settlement depend on the specific service, partner, eligibility checks and applicable rules.
• Pending or failed service: if money was debited but the service is not completed, do not assume it has succeeded. Check the status and contact support with the transaction ID. We will check available records and coordinate with the relevant provider where applicable.

Processing times and confirmations may vary by service provider, bank, operator, business day and system availability. A transaction receipt or status message should be retained until the service is confirmed.

Any service fee, commission, tax or other charge applicable to a transaction should be displayed or communicated before confirmation where required. You should review the amount and any applicable charges before proceeding.

Wallet balances, where offered, are subject to the applicable account terms, transaction records, verification requirements and restrictions imposed by relevant partners or law. Do not treat a wallet balance as a bank deposit unless the relevant product is expressly authorised and described as such.

Some services are fulfilled by banks, payment gateways, operators, billers, insurance companies or other service partners. Their terms, eligibility criteria, service availability, refund rules and processing times may apply in addition to these Terms.

We will take reasonable steps to help with service enquiries using the information available to us. We cannot promise uninterrupted operation of third-party systems, and nothing in these Terms excludes responsibility that cannot be excluded under applicable law.

We may investigate suspicious activity and restrict, suspend or close access where reasonably necessary to protect users, comply with law, address security concerns or prevent misuse. Where appropriate and legally permitted, we may request further verification or provide an explanation.

Never share your password, MPIN or OTP with anyone, including a person claiming to be customer support. Report suspected fraud or unauthorised activity promptly.

If a service allows you to take a photo or select a photo/document using your device, you are responsible for ensuring that the file is relevant, accurate and submitted for a lawful purpose. Do not submit another person's information unless you are authorised to do so.

Information and documents submitted through the website are handled according to our Privacy Policy and the requirements of the service concerned.

We aim to keep the service available but do not guarantee uninterrupted or error-free operation. Delays can arise from maintenance, network issues, banking systems, operators, billers or other third-party providers.

To the extent permitted by applicable law, we are not responsible for losses caused solely by circumstances outside our reasonable control or by incorrect information supplied by a user. This clause does not exclude liability or consumer rights that cannot lawfully be excluded.

For a transaction issue, refund enquiry or complaint, contact us using the details below. Please provide the transaction/reference ID, date, amount, registered mobile number and a description of the issue. Do not include passwords, MPINs or OTPs in your message.

We will review the information available to us and, where relevant, coordinate with the bank, gateway, operator, biller or service partner. The resolution time may depend on the nature of the issue and the partner's response.

We may update these Terms when services, partner requirements or applicable laws change. The current version will be published on this page with an updated date. Continued use after an update is subject to applicable law and any consent requirements.

For support, refund requests or complaints, contact AR QUICK PAY:

Important: The legal entity name and registered business address should match the details in your payment-gateway/Razorpay application and official business records. If AR QUICK PAY is a brand name, publish the actual legal entity name here before going live.