Who We Are

BankMe is a complete fintech platform built and operated by PAYPE Technologies Pvt. Ltd., a technology company based in Coimbatore, Tamil Nadu. We are committed to making financial services accessible to every Indian through technology.

Powered by our proprietary RTAI (Regulatory Trustworthy AI) technology, BankMe ensures every transaction is safe, compliant and verified in real-time.

Company Details

Our Address

Our Mission

To democratize financial services in India by providing a complete, compliant and AI-powered fintech platform that empowers retailers, distributors and customers alike.

RTAI Technology

RTAI (Regulatory Trustworthy AI) is our proprietary artificial intelligence system designed specifically for Indian fintech compliance. It monitors transactions in real-time, detects fraud, ensures RBI compliance and maintains audit logs for all network activities.

Contact Us

This Refund Policy explains when PAYPE Technologies Pvt. Ltd. ("BankMe", "we", "us") refunds money. It covers platform packages bought on this website, subscriptions, and wallet money used on BankMe services.

1. Platform packages (B2B, B2B2C, white-label, source code)

• Before your documents are verified and before any work starts: you get a full refund of the amount paid. Payment gateway charges that the gateway does not return to us are deducted.
• If we reject your documents or cannot accept your order: full refund, with no deduction.
• After work has started but before delivery: we refund the amount paid less the value of the work already done and the gateway charges. We tell you the exact figure in writing before refunding.
• After delivery of credentials, portal access, domain or API set-up, or source code: the amount is not refundable, because these are digital goods that cannot be returned. The only exception is when we fail to deliver what the package describes and cannot fix it within 30 days. You then get a refund for the part not delivered.
• For orders above ₹5,00,000 the 25% booking amount follows the same rules. The balance paid by bank transfer is refunded to the same bank account.

2. Individual modules and subscriptions

• One-time activation fees are not refundable once the module is activated for you.
• A subscription can be cancelled at any time. It stops at the end of the period already paid. The paid period is not refunded.
• If we charge you twice for the same period, we refund the extra charge.

3. Wallet money and service transactions

• If an AEPS, money transfer, bill payment or other transaction fails, the amount debited is returned to your BankMe wallet automatically. Where the bank or partner is still confirming, it can take up to 7 working days.
• Service charges on a successful transaction are not refundable.
• You can ask for your unused wallet balance to be paid to your own verified bank account. It is subject to KYC, the rules of our partners and any charges that apply.
• If you see a debit you did not make, tell us within 7 days at itsupport@paype.co.in so we can check it.

4. Failed or duplicate payments on this website

If money is deducted but your payment fails, or you pay twice, the payment gateway or your bank returns it to the original payment method, usually in 5 to 7 working days. If you do not receive it, write to us with the payment reference.

5. How to ask for a refund

• Email accounts@paype.co.in from the email address on your order. Give your order number, payment reference and the reason.
• Ask within 7 days of the payment or of the event you are complaining about.
• We reply within 3 working days and finish approved refunds in 7 to 10 working days, to the original payment method or the bank account used to pay us.

6. Taxes

GST on a refunded amount is refunded together with it, and we issue a credit note against the original invoice.

7. Changes

We may update this policy. The date at the top shows the latest version. A change does not affect an order already paid.

8. Contact

PAYPE Technologies Pvt. Ltd., Coimbatore, Tamil Nadu.
Accounts and refunds: accounts@paype.co.in
Support: itsupport@paype.co.in · +91 99448 57191

Read this with our Terms of Service and Privacy Policy.

This Privacy Policy describes how PAYPE Technologies Pvt. Ltd. ("BankMe", "we", "us", or "our") collects, uses, and shares information about you when you use our services.

1. Information We Collect

Personal Information

• Name, email address and mobile number
• Aadhaar number (last 4 digits only, for AEPS)
• PAN number for KYC compliance
• Bank account details for money transfer services
• Shop details including address and business certificates
• Biometric data (processed locally, not stored)

Transaction Information

• Transaction history and amounts
• Service usage data
• RTAI risk scores and compliance logs
• Device information and IP addresses

2. How We Use Your Information

• To provide and improve our fintech services
• To process transactions and payments
• To comply with RBI, UIDAI and other regulatory requirements
• To detect and prevent fraud using RTAI technology
• To send transaction receipts and service notifications
• To verify your identity through eKYC
• To generate invoices and maintain audit logs

3. Information Sharing

We do not sell your personal information to third parties. We may share information with:

• Banking partners for transaction processing (our licensed partner banks)
• UIDAI for Aadhaar verification
• NPCI for UPI and BBPS transactions
• IRCTC for train bookings
• Insurance and loan partners for respective services
• Regulatory authorities as required by law
• Firebase (Google) for authentication and data storage

4. Data Security

We use industry-standard security measures including:

• RTAI encryption for all transactions
• Firebase Firestore with security rules
• PCI DSS compliant payment processing
• Screen capture protection in our app
• RTAI audit logs for all activities
• Regular security assessments

5. Data Retention

We retain your data as required by RBI and other regulatory guidelines. Transaction records are kept for a minimum of 5 years as per RBI guidelines. You may request deletion of your account by contacting us.

6. Your Rights

• Right to access your personal data
• Right to correct inaccurate data
• Right to request data deletion (subject to regulatory requirements)
• Right to data portability
• Right to withdraw consent

7. Cookies & Tracking

Our web application uses localStorage and session cookies for authentication and user preferences. We do not use advertising cookies or third-party tracking.

8. Children's Privacy

BankMe services are not intended for users under 18 years of age. We do not knowingly collect personal information from minors.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or in-app notification.

10. Contact Us

By using BankMe services, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing or using BankMe platform operated by PAYPE Technologies Pvt. Ltd., you agree to be bound by these Terms of Service and all applicable laws and regulations of India.

2. Eligibility

• You must be at least 18 years of age
• You must be a resident of India
• You must provide accurate KYC information
• You must have a valid Aadhaar and PAN for certain services

3. Services

BankMe provides the following financial services subject to regulatory approvals:

• AEPS (Aadhaar Enabled Payment System)
• Domestic Money Transfer (DMT)
• BBPS Bill Payments
• UPI Cash In and Cash Out
• Digital Wallet Services
• Travel and Ticket Booking
• Insurance and Investment Services
• PAN Card and Document Services

4. Transaction Limits

• DMT: Maximum ₹10,000 per transaction
• DMT Daily Limit: ₹25,000
• DMT Monthly Limit: ₹1,00,000
• AEPS: As per RBI guidelines
• Wallet: As per KYC level

5. Prohibited Activities

• Money laundering or terrorist financing
• Fraudulent transactions
• Providing false KYC information
• Unauthorized access to others' accounts
• Using services for illegal purposes
• Screen recording of transaction receipts

6. Refund Policy

Refunds are processed as per RBI guidelines:

• Failed transactions: Auto-refund within 5 business days
• Disputed transactions: Reviewed within 7-10 business days
• Contact us at itsupport@paype.co.in for all refund requests

7. RTAI Compliance

All transactions are monitored by our RTAI (Regulatory Trustworthy AI) system. Transactions flagged as high-risk may be held for review. We reserve the right to decline transactions that violate RBI guidelines.

8. Liability

PAYPE Technologies shall not be liable for losses arising from unauthorized account access, network failures, or circumstances beyond our reasonable control. Our total liability shall not exceed the transaction amount in dispute.

9. Governing Law

These Terms are governed by the laws of India. Any disputes shall be subject to the jurisdiction of courts in Coimbatore, Tamil Nadu.

10. Contact