AdvancePay
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Last Updated: January 12, 2026

1. Introduction

These Terms of Use (“Terms”) govern access to and use of the website myadvance.in, including all linked pages, APIs, software, tools, mobile applications, features, and services offered by AdvancePay and its group entities (“AdvancePay”, “we”, “our”, “us”) (collectively, the “Platform”).

Any person who accesses or uses the Platform, whether or not they avail any services, shall be deemed to have read, understood, and accepted these Terms along with all related policies, including the Privacy Policy.

If you do not agree with these Terms, you must immediately stop using the Platform.

2. Acceptance of Terms

You may accept these Terms by:

  • Clicking “Accept” where such option is provided; or
  • Accessing, testing, or using any AdvancePay service.

Your continued use of the Platform constitutes binding acceptance of these Terms.

3. Definitions

  • User / Seller / Client / You: Any individual or legal entity using AdvancePay
  • Services: Payment aggregation, settlement, subscriptions, and related services
  • Policies: Terms of Use, Privacy Policy, KYC Policy, Grievance Policy, and other policies issued by AdvancePay

4. Regulatory Compliance & KYC

Users acknowledge that:

  • Settlement of funds is subject to successful completion of KYC obligations as per RBI guidelines
  • AdvancePay may withhold, delay, reverse, or suspend settlements if KYC is incomplete or unsatisfactory
  • Funds may be returned to the original source in case of non-compliance

AdvancePay complies with applicable Indian laws including the Payment and Settlement Systems Act, 2007, PMLA, and RBI’s KYC/AML/CFT guidelines.

5. Services Offered

AdvancePay provides payment-related services as detailed on the Platform, including but not limited to:

  • Payment collection
  • Settlement services
  • Subscription and recurring payment processing

AdvancePay may modify, suspend, or discontinue any service at its discretion without prior notice.

6. User Account & Registration

To access certain services, you must create an account and provide accurate, complete, and current information.

You agree that:

  • All information provided is truthful and lawful
  • You are responsible for maintaining confidentiality of login credentials
  • AdvancePay is not liable for unauthorised account access caused by your negligence

AdvancePay may suspend or terminate accounts containing false, misleading, or unlawful information.

7. Permitted & Prohibited Use

You agree to:

  • Use the Platform only for lawful purposes
  • Not interfere with system security or operations
  • Not misuse APIs, automation tools, or data scraping

You shall not host, upload, or transmit content that is unlawful, abusive, misleading, infringing, harmful, or violates applicable laws.

8. Content Ownership

All platform content including logos, software, designs, and intellectual property belongs to AdvancePay or its licensors.

Users retain ownership of their content but grant AdvancePay a non-exclusive, worldwide, royalty-free license to use such content for service operation and improvement.

9. Subscriptions & Recurring Payments

If you enable recurring payments:

  • Customers authorise automatic debits as per the billing cycle
  • You must notify AdvancePay of cancellation requests at least 7 days prior
  • AdvancePay is not liable for charges processed due to delayed or missing notice

10. Eligibility

You represent that:

  • You are at least 18 years old
  • You are legally authorised to operate your business in India
  • You have authority to bind your organisation (if applicable)

AdvancePay may conduct underwriting and due-diligence checks at any time.

11. Fees & Settlements

  • AdvancePay charges service fees as communicated
  • Settlements are processed typically within T+3 working days, subject to RBI rules
  • Applicable taxes are borne by the User
  • Invoices must be disputed within 30 days

AdvancePay may withhold settlements in cases of fraud, disputes, or policy violations.

12. Chargebacks & Disputes

  • Transactions may be disputed up to 120 days
  • Chargebacks may result in reversal of funds
  • Users must cooperate with investigations and provide evidence

Fees charged by AdvancePay are non-refundable in disputed transactions.

13. Prohibited Businesses

Users shall not use AdvancePay for prohibited activities including but not limited to:

  • Gambling, betting, lotteries
  • Pornographic or adult content
  • Illegal drugs or weapons
  • Cryptocurrency trading (where prohibited)
  • Pyramid or MLM schemes
  • Activities banned under Indian law

AdvancePay may update this list at any time.

14. Data Security & Confidentiality

Users must:

  • Not store card data on their systems
  • Comply with PCI-DSS requirements
  • Protect customer data confidentiality

AdvancePay may audit compliance where required.

15. Limitation of Liability

AdvancePay shall not be liable for:

  • Business losses, lost profits, or reputational damage
  • Technical downtime or third-party failures
  • User negligence or non-compliance

Services are provided “as is” and “as available”.

16. Indemnity

You agree to indemnify AdvancePay against claims arising from:

  • Fraud or misuse
  • Legal violations
  • Customer disputes
  • Breach of these Terms

17. Force Majeure

AdvancePay shall not be liable for failure or delay caused by events beyond reasonable control, including natural disasters, government actions, network failures, pandemics, or cyber incidents.

18. Governing Law & Jurisdiction

These Terms are governed by the laws of India.
Courts in India shall have exclusive jurisdiction.

19. Privacy

Your use of AdvancePay is subject to our Privacy Policy, which forms an integral part of these Terms.