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Terms of service

Last updated: 11 November 2026

These terms describe how Ishani Pay works with independent settlement partners. By sending your first message to our partner bot and completing screening, you accept them. If any line is unclear, ask your manager before you start; we would rather explain twice than have you guess.

1. What the partner does

A partner receives incoming payments from verified merchants' customers into their own bank accounts and sends outgoing payments on instruction, inside the working windows agreed with the manager. Every payment carries a reference. The partner confirms a payment only after seeing it in their own banking app.

2. Eligibility

You must be at least 18 years old, resident in India, the sole holder of every account you connect, and free of any legal restriction on operating those accounts. Ishani Pay may decline an application without giving detailed reasons, for example when an account is too new or its history does not match the declared use.

3. Rates and payouts

The partner earns the rates published on this site at the moment of each payment: a percentage of incoming volume and a percentage of outgoing volume. Earnings are summarised weekly and credited in USDT to a wallet the partner controls. Rates may change; any change is announced in the partner bot at least seven days ahead and never applies to payments already completed.

4. Limits and schedule

Each connected account receives a daily ceiling set during screening. Ishani Pay will not knowingly route more than that ceiling. The partner may pause, shorten or close their windows at any time by messaging the manager; a pause takes effect for new payments immediately.

5. Partner duties

The partner keeps login details private, never lets another person operate the accounts, reports any mismatch between a payment and its reference before confirming, and reports any message from their bank about blocks, holds or questions on the same day. Confirming a payment that did not arrive, or using screenshots instead of the real banking app, ends the partnership.

6. Prohibited use

Partners must not use the program for their own trading, for gambling, for moving funds of people they know personally, or for any purpose that breaks Indian law. Ishani Pay works only with merchants that pass its screening and may stop routing to any merchant without notice.

7. Suspension and ending

Either side may end the partnership with a message in the partner bot. Ishani Pay may suspend a partner at once if it sees a breach of these terms, a risk to merchants or a request from a bank or authority. Earnings for correctly confirmed payments up to the moment of ending are paid in the next weekly summary, after any open disputes are settled.

8. Liability

Ishani Pay is responsible for paying the agreed rates on confirmed payments. It is not responsible for fees, limits or decisions of the partner's bank, for losses caused by the partner sharing access, or for indirect losses. Nothing in these terms limits rights that cannot be limited under applicable law.

9. Changes and contact

We may update these terms; the date at the top shows the current version, and important changes are also sent in the partner bot. Questions go to your manager in Telegram or through the contact form on this site.