Privacy Policy

Effective Date: 8 September 2026

Last Updated: 8 September 2026

This Privacy Policy explains how PaySathy, operating under the brand name PaySathy ("PaySathy", "we", "us", or "our"), collects, uses, stores, processes, and protects information in connection with our website, platform, applications, APIs, products, and digital financial services.

PaySathy operates as a B2B Recharge, BBPS & Digital Financial Services Platform and provides technology and digital transaction solutions to businesses, agents, retailers, distributors, partners, and other authorized users.

Brand Name: PaySathy

Website: PaySathy.com

Business Type: B2B Recharge, BBPS & Digital Financial Services Platform

1. Scope of This Privacy Policy

This Privacy Policy applies to information collected or processed through the PaySathy website, web applications, mobile applications, APIs, dashboards, partner portals, customer support channels, and other services operated or provided by PaySathy.

It applies to information relating to our business customers, retailers, agents, distributors, partners, authorized representatives, users, and individuals whose information may be submitted through or processed in connection with our services.

2. Services Covered by This Policy

Depending on the products and services enabled for a particular business or partner, PaySathy may facilitate or provide technology for the following services:

Mobile Recharge
DTH Recharge
BBPS / Utility Bill Payment
Domestic Money Transfer (DMT)
Aadhaar Enabled Payment System (AEPS)
Micro ATM Services
FASTag Services
PAN Card Services
Aadhaar Services
Payment Gateway Services
API Services

The availability of a particular service may depend on the customer's account, applicable eligibility requirements, third-party service providers, banking partners, payment networks, regulatory requirements, and other applicable conditions.

3. Information We Collect

We collect only such information as is reasonably necessary to provide, operate, secure, improve, and support our services and to comply with applicable legal and regulatory requirements.

3.1 Business and Account Information

When a business, retailer, agent, distributor, or partner registers for PaySathy services, we may collect information such as:

Business or company name
Registered office or business address
Contact person's name
Email address
Mobile or telephone number
Business and account details
GST and other applicable business information
Bank account and settlement-related information
Information required for onboarding, verification, compliance, and account management

3.2 Transaction and Payment Information

When you use or facilitate transactions through PaySathy, we may process information necessary to complete, record, reconcile, monitor, and support those transactions.

This may include:

Transaction ID or reference number
Transaction date and time
Transaction amount
Transaction status
Service or transaction type
Recharge or bill-payment details
Beneficiary or recipient information where applicable
Settlement and reconciliation information
Payment method or payment-related information
Relevant banking, payment-network, or service-provider reference information

Where payments are processed through third-party payment gateways, banks, payment networks, or other regulated service providers, such providers may independently process certain payment information in accordance with their own privacy policies and applicable laws.

3.3 Recharge and Bill Payment Information

For Mobile Recharge, DTH Recharge, BBPS, and utility bill payment services, we may process information required to complete the requested transaction, such as mobile numbers, subscriber details, operator information, biller information, customer identifiers, account numbers, recharge amounts, and transaction references, as applicable to the particular service.

3.4 Domestic Money Transfer (DMT) Information

For DMT services, we may process information necessary to initiate, authenticate, monitor, and complete money transfer transactions. This may include sender and beneficiary details, mobile numbers, bank account details, IFSC information, transaction amount, transaction references, and other information required by applicable service providers, banking partners, payment networks, or regulatory requirements.

3.5 AEPS and Micro ATM Information

Where AEPS or Micro ATM services are enabled, additional information may be processed for transaction authentication, authorization, settlement, fraud prevention, and regulatory compliance.

Depending on the service and applicable requirements, this may include transaction information, customer or beneficiary details, authentication-related information, device information, and other information processed through authorized banking, payment, or authentication service providers.

PaySathy does not seek to collect Aadhaar information beyond what is necessary and legally permitted for the applicable service. Where Aadhaar authentication or Aadhaar-related services are provided through authorized partners or regulated service providers, the processing of Aadhaar-related information may also be subject to the terms, privacy practices, and legal obligations of those providers.

3.6 PAN and Aadhaar Services

For PAN Card and Aadhaar-related services, we may process information required to submit applications, requests, verification details, or service-related information through applicable authorized service providers and government or regulatory systems.

Depending on the particular service, this may include name, date of birth, contact details, identification information, address information, application information, and supporting documentation or identifiers that are legally permitted and necessary for providing the requested service.

3.7 API Services

For our API Services, businesses and partners may transmit information to PaySathy through APIs for purposes such as recharge, bill payment, money transfer, payment processing, transaction status, verification, reporting, and other enabled services.

API users are responsible for ensuring that information submitted through their systems or APIs is collected and shared lawfully and that they have the necessary rights, permissions, notices, and consents where required.

3.8 Device and Technical Information

When you access or use our website, applications, dashboards, APIs, or other digital services, we may automatically collect certain technical information, including:

IP address
Browser type and version
Device type and operating system
Application version
Login and access information
Date and time of access
Usage and activity information
Error logs and diagnostic information
Security and authentication logs

4. How We Use Information

PaySathy may use collected information for the following purposes:

To create and manage business, retailer, agent, distributor, or partner accounts.
To provide and facilitate requested services.
To process recharge, bill payment, DMT, AEPS, Micro ATM, FASTag, payment, and other transactions.
To process PAN and Aadhaar-related service requests where applicable.
To process settlements, reconciliation, refunds, reversals, and transaction adjustments.
To authenticate users and authorize transactions.
To provide customer and technical support.
To monitor and maintain the security and reliability of our systems.
To detect, prevent, investigate, and address fraud, unauthorized activity, misuse, and security incidents.
To comply with applicable laws, regulations, legal processes, and lawful requests from competent authorities.
To maintain transaction, accounting, audit, and business records.
To improve our products, platform, APIs, applications, and services.
To communicate with users regarding accounts, transactions, service updates, security matters, and support requests.

5. Sharing and Disclosure of Information

PaySathy may share or disclose information where reasonably necessary to provide services, process transactions, comply with legal obligations, or protect our users and systems.

Depending on the service being used, information may be shared with or processed by:

Banking partners and financial institutions
Payment gateways and payment service providers
BBPS and biller ecosystem participants
Recharge and DTH service providers
DMT and money-transfer service providers
AEPS and Micro ATM service providers
FASTag and related service providers
PAN and Aadhaar-related authorized service providers
Technology, cloud hosting, infrastructure, and security service providers
Fraud prevention, risk management, and verification service providers
Professional advisors, auditors, and service providers where necessary
Government, regulatory, law-enforcement, judicial, or other competent authorities where legally required

We do not sell personal information for monetary consideration. Information is shared only where reasonably necessary for legitimate business, service delivery, security, compliance, or other lawful purposes.

6. Third-Party Service Providers

Some PaySathy services may depend on third-party providers, banks, payment networks, billers, telecom operators, government-authorized service providers, technology providers, and other partners.

These third parties may process information in accordance with their own legal obligations, contractual arrangements, terms, and privacy policies. PaySathy takes reasonable steps to work with appropriate service providers and to require appropriate safeguards for information handled on our behalf.

7. Data Security

PaySathy takes reasonable technical, organizational, and administrative measures to protect information against unauthorized access, misuse, alteration, disclosure, loss, or destruction.

Security measures may include access controls, authentication mechanisms, encryption or secure transmission technologies where appropriate, monitoring, logging, system safeguards, and internal security procedures.

However, no electronic transmission, storage system, or online service can be guaranteed to be completely secure. Users should also take reasonable steps to protect their account credentials, devices, API credentials, and other access information.

8. Data Retention

We retain information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including providing services, maintaining business and transaction records, resolving disputes, preventing fraud, conducting audits, and complying with applicable legal, regulatory, tax, accounting, and other record-retention requirements.

Different categories of information may therefore be retained for different periods depending on their purpose and applicable legal requirements.

9. User Responsibilities

Users of PaySathy's B2B platform are responsible for ensuring that information they submit to PaySathy is accurate, complete, lawful, and authorized for processing.

Where a business, retailer, agent, distributor, or API customer submits information relating to another individual, the relevant user is responsible for ensuring that the submission and processing of such information is permitted under applicable law and that any required notice or consent has been obtained.

10. Cookies and Similar Technologies

PaySathy may use cookies, session technologies, analytics tools, and similar technologies to operate our website and applications, maintain sessions, improve functionality, understand usage, enhance security, and improve user experience.

Users may be able to control certain cookie settings through their browser or device settings. Disabling certain cookies may affect the availability or functionality of some services.

11. Communications

We may contact users through email, telephone, SMS, application notifications, or other available communication channels regarding account activity, transaction information, security alerts, service updates, support requests, or other matters related to the services.

Where permitted by applicable law, we may also send information about new products, features, or services. Users may contact us to request that non-essential promotional communications be stopped.

12. Children's Privacy

Our services are intended primarily for businesses, authorized agents, retailers, distributors, partners, and other eligible users. PaySathy does not knowingly seek to collect personal information from children in circumstances where such collection is prohibited by applicable law.

13. Data Breach and Security Incidents

If PaySathy becomes aware of a security incident involving personal information, we will assess and respond to the incident in accordance with our internal procedures and applicable legal and regulatory requirements.

Where notification is required by applicable law, we will make the required notifications to the relevant individuals, authorities, or other parties within the applicable requirements.

14. Your Privacy Rights and Requests

Subject to applicable law and the nature of the information and services involved, individuals may have rights relating to their personal information, including rights to request access, correction, updating, or other actions permitted under applicable law.

Requests relating to personal information may be submitted using the contact details provided below. We may need to verify the identity and authority of the person making a request before processing it.

15. Grievance and Privacy Contact

If you have questions, concerns, complaints, or requests regarding this Privacy Policy or the processing of information by PaySathy, you may contact us at:

Email: paysathysupport@gmail.com

Phone: +91 8819963708

Website: https://paysathy.com

Legal Entity: [INSERT REGISTERED LEGAL ENTITY NAME]

16. Changes to This Privacy Policy

PaySathy may update this Privacy Policy from time to time to reflect changes in our services, technology, business practices, legal requirements, or regulatory requirements.

When we make changes, we will update the Last Updated date shown at the beginning of this Privacy Policy. Users are encouraged to periodically review this page for the latest information about our privacy practices.

17. Applicable Law

This Privacy Policy is intended to be interpreted and applied in accordance with applicable laws and regulations governing the collection, use, processing, protection, and retention of information in connection with PaySathy's services.

Where specific services are subject to additional requirements imposed by applicable financial, payment, banking, telecommunications, identity, tax, or other regulatory frameworks, those requirements may also apply to the relevant processing activities.

18. Contact Us

For any privacy-related question, service-related concern, or request regarding the information processed through PaySathy, please contact our support team:

PaySathy