Terms of Use

Customer payment conditions

The customer or authorised agent must check the biller, consumer/account reference, bill amount, due details and applicable payment mode before submission. A successfully completed transaction may be final under biller and provider rules. Do not submit the same bill again while the earlier payment is pending or its status is uncertain.

Fees must be disclosed before payment

The customer must be shown the bill amount, applicable customer convenience fee (CCF), any biller-imposed fee, applicable taxes and total payable before confirming a payment. A fee must not be charged merely because a maximum appears in the schedule below. Agents must not collect an undisclosed fee or an amount higher than the approved applicable limit.

Price breakdown, receipt and customer rights

Before payment, review bill amount + quoted convenience/biller fees + applicable tax = total payable. On successful processing, a confirmation/receipt should show the amount paid, charges and taxes charged, transaction identifiers and the provider-reported payment outcome. A fetched bill, initiated payment or pending transaction is not a successful receipt.

There is no customer fee for lodging a Bharat Connect bill-payment complaint. If a fee is not authorised, disclosed or supported by the current provider schedule, it must not be collected. For an unexpected charge, contact support@qarahpay.com.

Retailer / distributor commission and distribution

Customer fees and channel commissions are separate. The “Commission” figures in the BillAvenue offline commercial schedule are provider-side commercial references, not a promise that a retailer receives the entire amount. Any commission or share payable by QarAh Pay to a White-Label Admin, Super Distributor, Master Distributor, Distributor or Retailer is determined by the authorised written commission/rate card, applicable hierarchy, biller/category, channel and actual settled transaction.

No universal percentage or fixed split is guaranteed on this public page. Commission eligibility, adjustments, any applicable tax/withholding, timing and reversal/chargeback rules must be communicated to the eligible partner under the approved commercial arrangement. Failed, reversed, refunded, duplicate, pending or unreconciled payments do not establish a final commission entitlement. Any wallet posting or settlement takes place only when the relevant commission facility is actually enabled and the transaction is reconciled; no automated commission credit is promised merely by these terms.

Agent and collection-point obligations

Only approved agents may offer the relevant assisted bill-payment service. The applicable fees and these terms must be accessible to customers on the website and at the collection point, in a form they can understand. Agents must explain the payment mode, quote charges before collecting funds, protect customer information, provide eligible receipts and use the authorised complaint route. Any additional cash/service charge not approved and disclosed to the customer is prohibited.

Failed payments, refunds and complaints

Where a payment is pending or its outcome is unknown, status must be checked against the appropriate provider before taking another payment. Failed or disputed transactions and eligible refunds follow the applicable network/provider process and the Refund & Cancellation Policy. Complaint and grievance handling is available through the authorised platform/provider flow or QarAh Pay Support, with transaction reference details.

Platform access and changes

Sign-in opens the applicable QarAh Pay platform. Access and permissions depend on account approval, KYC, tenant/service entitlement and current product availability. Biller or provider fees and settlement arrangements may change under applicable rules. A material fee change must be reflected in the approved published schedule or the transaction-specific quote before further payment is accepted; a past displayed reference is not permission to charge a higher fee.