Each calendar month, your processed volume is calculated. The next month, your effective rate moves to the corresponding tier. If you crossed ₹50L last month, this month you pay 1.8% instead of 2.0%. There's no contract amendment, no negotiation, and no waiting period — just a lower rate showing up on your invoice.

No. Only successful transactions are billed. A failed UPI charge, a declined card, or a customer abandoning the checkout costs you nothing. This is a meaningful difference from per-API-call pricing models you may have seen elsewhere.

Yes. All published rates are exclusive of GST. 18% GST is added per Indian tax law and shown transparently on every invoice. GST is reclaimable as input credit if your business is GST-registered.

T+0 means money lands in your settlement bank account on the same day the transaction completes — typically within minutes for UPI transactions, within hours for cards. T+1 means the money settles the next working day. Instant settlement is included on Growth and Enterprise plans at no extra cost.

Volume tier moves are automatic, so you don't need to "switch" plans for rate purposes. If you need feature upgrades (Marketplace Splits, Multi-level Approvals, etc.) outside your current tier, contact your account team — most upgrades activate within 24 hours.

Default settlement is in INR for Indian merchants. International multi-currency settlement (USD, EUR, GBP, etc.) is available on the Enterprise plan for merchants who hold foreign currency accounts. Talk to enterprise sales for FX rates and settlement schedules.

Refunds (UPI, card, or original instrument) are free on all plans. Chargebacks initiated by issuing banks carry a representment fee of ₹500 per dispute, charged only if the chargeback is upheld in the customer's favour. Successfully defended chargebacks cost nothing.

Sandbox keys are issued instantly. Live keys typically activate within 24 hours of completed KYC, which requires PAN, GST certificate, current account proof, and director ID. Most merchants accept their first live transaction within 48 hours of signing up.