Plain-language rules of the road

By using PayoutOS you agree to use the service only for lawful disbursements. You are responsible for the accuracy of beneficiary details and the legitimacy of every transaction you initiate. We reserve the right to suspend accounts engaged in fraud, money laundering, or any activity prohibited by RBI guidelines or Indian law.

PayoutOS routes funds through licensed payout partners — currently RazorpayX, Cashfree and Bulkpe. Once a payout is successfully submitted to the rail, settlement timing follows the bank’s published cycles (instant for IMPS / UPI; batch for NEFT; RTGS during RBI hours). Reversals from the rail are credited back to your wallet automatically via HMAC-verified webhook reconciliation, including any service fees collected on the failed transfer.

Service availability is provided “as is”. We do not guarantee uninterrupted access during scheduled maintenance, upstream bank outages, or events beyond our reasonable control. Our cumulative liability for any claim arising from use of the service is limited to the transaction fees paid for the affected transfer in the three months preceding the claim.

You agree not to attempt to circumvent the security controls described in our Privacy Policy (rate limits, 2FA, session binding, etc.), reverse-engineer the service, or use it to send spam or unsolicited communications. Violations may result in immediate account suspension and, where applicable, referral to law-enforcement authorities.

These terms are governed by the laws of India. Disputes are subject to the exclusive jurisdiction of courts in Mumbai, Maharashtra.