This Service Charges & Pricing Policy ("Policy") describes the general pricing principles, fee structures, operational charges, commissions, and billing practices applicable to services offered through BharatOne Services and Affiliates Pvt. Ltd. ("BharatOne", "Company", "we", "our", or "us").
This Policy applies to customers, merchants, retailers, franchisees, agents, distributors, API users, business partners, service centers, and all users accessing or using BharatOne's Services. By accessing or using the Services, Users acknowledge and agree to this Policy.
1. Purpose
This Policy is intended to:
- Promote transparency in pricing and service charges.
- Provide clarity regarding applicable fees and commissions.
- Enable informed decision-making by Users.
- Explain pricing applicable to different BharatOne services.
- Describe partner-dependent pricing and billing practices.
- Support fair and transparent commercial practices.
2. Scope of Charges
Charges may apply, where applicable, to the following services:
- Government-to-Citizen (G2C) services.
- Banking and assisted financial services.
- Bill payment and utility payment services.
- Mobile, DTH, FASTag, and recharge services.
- Money transfer and payment services (where available).
- Merchant onboarding and payment collection services.
- QR code and digital payment acceptance services.
- API integration and developer services.
- White-label platform solutions.
- ERP and business software subscriptions.
- Insurance facilitation services.
- Travel booking and ticketing services.
- Digital document and certificate services.
- Franchise and retailer onboarding.
- Training and operational support services.
- Other partner-enabled commerce and digital services.
Certain Services may also involve charges levied by banks, payment gateways, payment aggregators, government departments, telecom operators, insurance providers, travel service providers, utility operators, or other authorized ecosystem participants.
3. Types of Charges
Depending on the nature of the Service, applicable charges may include:
- Convenience fees.
- Service charges.
- Subscription or membership fees.
- Transaction processing charges.
- Merchant onboarding or activation fees.
- Franchise registration fees.
- API integration or usage fees.
- Software licensing fees.
- Merchant operational charges.
- Settlement or payout processing charges.
- Platform usage fees.
- Government service fees.
- Banking or partner charges.
- Applicable taxes, duties, cess, and statutory levies.
Applicable charges may vary based on:
- Type of service.
- Transaction value.
- Payment method.
- Merchant category.
- Partner pricing.
- Government notifications.
- Geographic location.
- Promotional campaigns.
- Operational requirements.
4. Display of Charges
Where reasonably practicable, BharatOne will display applicable charges:
- Before transaction confirmation.
- During onboarding.
- Within merchant or retailer dashboards.
- Through pricing schedules.
- Via service-specific disclosures.
- Through official communications where appropriate.
Users are responsible for reviewing applicable charges before confirming any transaction or using any Service.
5. GST and Taxes
All applicable taxes, including Goods and Services Tax (GST), Tax Deducted at Source (TDS), Tax Collected at Source (TCS), or other statutory levies, shall be applied in accordance with applicable Indian laws.
Where applicable:
- Taxes may be charged separately.
- GST invoices or tax invoices may be issued subject to operational feasibility.
- Users must provide accurate billing and GST registration details where required.
Merchants, franchisees, retailers, and business partners remain responsible for their own tax compliance unless expressly agreed otherwise.
6. Pricing Revisions
Service charges, commissions, subscription fees, partner pricing, and commercial structures may be revised periodically due to:
- Banking partner pricing updates.
- Government fee revisions.
- Regulatory changes.
- Tax amendments.
- Technology upgrades.
- Infrastructure costs.
- Operational expenses.
- Market conditions.
- Promotional campaigns.
- Commercial considerations.
BharatOne reserves the right to introduce new charges, revise existing fees, modify commission structures, or discontinue promotional pricing at its discretion.
Revised pricing may become effective upon publication on BharatOne's website, merchant dashboard, mobile application, email notification, or other official communication channels.
7. Partner and Third-Party Charges
Certain BharatOne Services rely upon banks, payment aggregators, payment gateways, government departments, telecom operators, insurance providers, travel partners, utility operators, and other ecosystem participants.
Users acknowledge that:
- External partners may independently revise pricing.
- Government fees may change without prior notice.
- Banking charges may vary.
- Certain deductions may occur at source.
- Some fees remain outside BharatOne's operational control.
Accordingly, BharatOne shall not be responsible for pricing revisions, deductions, or charges imposed independently by third-party service providers or competent authorities.
8. Promotional Pricing and Offers
From time to time, BharatOne may offer:
- Promotional pricing.
- Cashback offers.
- Merchant incentives.
- Franchise incentives.
- Loyalty rewards.
- Referral benefits.
- Limited-period discounts.
- Special commercial campaigns.
Such offers may:
- Be subject to eligibility criteria.
- Be available only for specified Users or Services.
- Have defined validity periods.
- Be modified, suspended, or withdrawn without prior notice.
Fraudulent, abusive, or manipulative use of promotional programs may result in suspension or cancellation of related benefits.
9. Refundability of Charges
Refunds of convenience fees, service charges, subscription fees, government fees, taxes, partner charges, or other amounts shall be governed by:
- BharatOne's Refund & Cancellation Policy.
- Applicable banking or payment partner rules.
- Government department policies.
- Transaction status.
- Nature of the Service.
Certain fees may remain non-refundable once a transaction has been successfully processed or a Service has been rendered.
10. Merchant and Business Pricing
Commercial pricing applicable to merchants, retailers, franchisees, distributors, API users, technology partners, and other business users may additionally be governed by:
- Merchant Agreements.
- Franchise Agreements.
- API Licensing Agreements.
- Commercial schedules.
- Partner contracts.
- Negotiated pricing arrangements.
- Business-specific onboarding terms.
BharatOne reserves the right to revise commercial pricing in accordance with applicable agreements, operational requirements, or regulatory obligations.
11. Billing and Reconciliation
Users are responsible for:
- Reviewing invoices and transaction records.
- Verifying billing information.
- Reporting discrepancies within a reasonable period.
- Reconciling settlement and payout records where applicable.
- Maintaining accurate payment and tax information.
Settlement and reconciliation timelines may vary depending upon banking systems, payment service providers, government departments, transaction types, holidays, or other external operational dependencies.
12. Limitation of Responsibility
To the maximum extent permitted by applicable law, BharatOne shall not be responsible for:
- Pricing changes made by banks or payment partners.
- Government fee revisions.
- Third-party service provider charges.
- Tax liabilities specific to individual Users.
- Banking deductions outside BharatOne's control.
- Losses resulting from failure to review applicable charges before completing a transaction.
- Fees imposed independently by ecosystem participants.
13. Policy Updates
BharatOne may amend this Policy from time to time to reflect:
- Pricing revisions.
- Regulatory developments.
- Tax changes.
- Technology upgrades.
- Operational improvements.
- Partner requirements.
- Business modifications.
The latest version of this Policy will be published on BharatOne's official website. Continued use of the Services after publication of any revised version constitutes acceptance of the updated Policy.
14. Contact Information
For pricing, billing, merchant commercial terms, settlement, commissions, or service charge-related queries, please contact:
