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Terms of Service

Effective Date: January 2026

The Simple Version

PayWithChai helps creators accept UPI payments directly. We do not process payments — we generate UPI deep links that open your supporter's UPI app. All transactions are peer-to-peer.

What We Are

  • A free platform to create a page
  • A secure way to share your UPI ID
  • A UPI link generator for apps

What We Are NOT

  • A payment gateway/processor
  • A money transfer service
  • An RBI-regulated entity
  • A payment aggregator

Payment Disclaimer

We have zero visibility into any financial transactions. You assume full responsibility for verifying payers and payees.

  • No intervention in disputes
  • Cannot process refunds
  • Cannot reverse transactions
  • You cover losses from fraud

Your Responsibilities

Accurate InfoUse real name and UPI ID
Legitimate UseAccept support for creative work
No Illegal ActivityNo fraud or laundering
Tax ComplianceHandle your own taxes

Have questions?

Reach out to our support team.

Contact Support