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Risk disclosure

Last updated: 11 November 2026

Settlement work with Ishani Pay can bring steady side income, but it is not risk free. Please read this page fully before you connect any account, and talk to your manager if any point worries you.

Income is not guaranteed

The ranges and examples on this site come from real partner weeks but are not promises. Your earnings depend on how many hours you open, how many accounts pass screening, merchant demand in a given week and the daily ceilings set for your banks. Some weeks will be quieter than others.

Bank account risk

Banks monitor unusual activity. Even when volume stays under agreed ceilings, a bank may ask questions, place a temporary hold or limit an account. We reduce this risk by spreading payments over time, keeping each account under its limit and screening every merchant, but we cannot control decisions of your bank. Tell your manager the same day if your bank contacts you, and do not connect an account you cannot afford to have paused.

USDT and crypto risk

Payouts are credited in USDT. Its value is designed to follow the US dollar but can deviate briefly. Converting USDT to rupees involves exchange fees and, in India, tax reporting duties that are your own responsibility. A wallet you lose access to cannot be restored by us, so keep your recovery phrase private and safe.

Tax and legal duties

Income from the program may be taxable. You are responsible for declaring it and for following the law that applies to you. If you are unsure, consult a qualified tax adviser before starting.

Fraud and impersonation

Our team never asks for your banking password, OTP or remote access to your phone. Official contacts are only the Telegram links on this site. Anyone who asks for an upfront fee to join is not Ishani Pay. Confirm only payments you see in your own banking app.

Operational risk

Delays can happen when a bank, payment network or messaging service is down. In such cases payments wait or are rerouted; earnings for payments you confirmed correctly are not lost.

Your decision

By joining you confirm that you understand these risks, that the accounts you connect are your own, and that you can stop at any time with a single message to your manager.