Privacy Policy
VPAY Business provides recharge, bill payment, wallet/add-money and related digital service tools. This policy explains how information is handled when you use the VPAY Business website or Android application.
Information we may process
We may process account and contact details such as name, mobile number and email; service and transaction information such as recharge/bill details, amount, transaction identifiers and payment status; support messages; referral information; and basic technical/security information needed to operate and protect the service.
Payments and Razorpay
For enabled payment services, payment processing may be provided by Razorpay. VPAY may store Razorpay references needed to reconcile transactions, including customer identifier, virtual account identifier, virtual bank-account details, virtual UPI ID, QR reference, order/payment IDs and payment status. Sensitive payment credentials such as Razorpay API secrets are kept server-side and are not intended to be exposed in the Android app.
KYC documents and app security
Where VPAY Business offers an offline account-verification workflow, users may submit Aadhaar/PAN documents for manual review. Such documents are restricted to authorised review workflows and should not be exposed in normal user reports. The Android App Lock uses the device's supported Face/Fingerprint/device credential through Android system security; VPAY Business does not receive the user's raw biometric data.
How we use information
Information is used to provide requested services, maintain wallet and transaction records, route recharge/BBPS requests, process and reconcile payments, prevent duplicate or fraudulent credits, provide support, comply with applicable obligations, and improve reliability and security.
Sharing
Information may be shared with payment processors, banking/payment partners, recharge/BBPS/API providers and service vendors only as reasonably required to provide the requested service, meet legal/compliance requirements, or protect the platform. VPAY does not state that payment data is owned or processed solely by VPAY when a third-party payment provider is involved.
Security and retention
We use reasonable technical and organisational safeguards. Records may be retained for transaction reconciliation, dispute handling, security, accounting and legal/compliance purposes for as long as reasonably necessary.
Your choices
You may contact VPAY Business support to request correction of inaccurate profile information or to ask about privacy and account-data handling. Some transaction records may need to be retained where required for financial, security, dispute or legal purposes.
Third-party services
Razorpay and other service providers may process information under their own privacy notices and terms. Their policies apply to their own processing activities.
Children
VPAY Business is intended for eligible business/retailer users and is not designed as a service for children.
Changes
We may update this policy when services, integrations or legal requirements change. The current version will be published on this page.
Contact
For privacy questions, use the Support section available in VPAY Business. Before public launch, the business should also publish its official privacy/contact email and registered business contact details here.
This policy describes VPAY Business practices and does not replace the separate privacy policies of payment or API partners.
🇮🇳 Made in India • VPAY Business