Last updated: 31 March 2026
These Terms of Service ("Terms") govern your use of the UPAYI.CO website and services (the "Service") operated by ESS ENN Associates ("Company", "we", "our", "us"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
UPAYI.CO provides a payment collection facilitation tool that enables users ("Payment Collectors") to collect UPI payments from their clients and customers via an embeddable widget, shareable payment link, QR code, phone number, or UPI handle.
Important: UPAYI.CO does not hold, process, route, or settle any payments. All UPI transactions occur directly between the payer and the Payment Collector through the UPI network and participating banks. UPAYI.CO is not a payment gateway, payment aggregator, or financial intermediary.
To use the Service, you must:
UPAYI.CO charges a small fixed monthly subscription fee for access to the Service. The exact fee will be communicated at the time of onboarding.
As a Payment Collector using the Service, you are solely responsible for:
You may not use the Service to:
We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to violation of these Terms or suspected illegal activity. You may also terminate your account at any time by contacting us.
All content, branding, design, and technology of the Service — including the UPAYI.CO name, logo, widget design, and website — are the intellectual property of ESS ENN Associates. You may not copy, reproduce, modify, or distribute any part of the Service without prior written consent.
The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or secure. We are not responsible for any losses arising from UPI network downtime, bank failures, or third-party service disruptions.
To the maximum extent permitted by law, ESS ENN Associates and its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to loss of revenue, profits, data, or business opportunities.
Our total liability for any claim arising from the Service shall not exceed the total fees paid by you in the 3 months preceding the claim.
You agree to indemnify, defend, and hold harmless ESS ENN Associates, its directors, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any applicable law.
These Terms are governed by the laws of India. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts in the city where ESS ENN Associates is registered.
We may update these Terms from time to time. Changes will be posted on this page with an updated date. Continued use of the Service after changes constitutes acceptance. Material changes will be communicated via email.
For questions about these Terms, contact:
ESS ENN Associates
Email: legal@upayi.co
Website: essenn.associates