Welcome to PayDOTStar Wallet. Your use of PayDOTStar Wallet on our Website or Mobile App is governed by the following terms and conditions (Terms) which are incorporated herein by way of reference. The Terms are effective upon acceptance of usage of our platform, and governs the relationship between the users of this platform (“You”, “Your”, “Yours” or the “User” as the context may necessitate) and 4 DOT STAR SOLUTIONS Pvt Ltd. (“PayDOTStar Wallet”, “Us”, “Our” or “We” as the context may necessitate).


By accepting the Terms, You understand and agree that PayDOTStar Wallet will treat Your use of the Services such as your use of our purchasing product or Services regarding bill payment or money transfer or services regarding our online marketplace or such other services which may be added from time to time (all such services are individually or collectively are referred as Service or Services) on the Site (www.PayDOTStar.com), Our mobile Platform/Network and Our mobile application (Related Applications).

  • You must be 18 years of age to use PayDOTStar Wallet.

  • We reserve the right to terminate any account or Your use of PayDOTStar Wallet if any information provided by You is false, fictitious, inaccurate, not current or incomplete, with or without notice to You.

  • You will be issued a user ID and password to access Your account

  • You must keep the password confidential and not share it with any other person as You are responsible for all activity on Your account, whether or not You authorized it.

  • The login for wallet account, recharge, bill payment, gift card and all others prepaid cards services is same.

  • In case of any unauthorized use of Your account or Your user id and password, please contact us at support@paydotstar.com

  • After successful registration, PayDOTStar Wallet will issue a Vendor Account upon submission of your KYC documents at the time of registration or on a later date.

  • You will be able to use the PayDOTStar Wallet Account after 3 (three) days from loading the Wallet from Banking Channel for the Send Money to Bank option. Rest of the services like recharges and bill payments can be used uninterruptedly.

  • The maximum monetary value that can be stored at any point of time, transferred to another account, utilized in a month in PayDOTStar Wallet Account shall be in accordance with RBI guidelines as applicable from time to time

  • Subject to guidelines/notifications issued by RBI from time to time these limitations may be reviewed and modified at the discretion of PayDOTStar Wallet without prior intimation to the Customer

  • PayDOTStar Wallet reserves the right to suspend/discontinue PayDOTStar Wallet Services to You at any time, for any cause, including, but not limited, to the following:

    • For any suspected violation of the rules, regulations, orders, directions, notifications issued by RBI from time to time or for any violation of the terms and conditions mentioned in this document;

    • For any suspected discrepancy in the particular(s), documentation or KYC enrolment form provided by you;

    • To combat potential fraud, use of abusive language, sabotage, wilful destruction, threat to national security or for any other force majeure reasons;

    • If the same is due to technical failure, modification, up gradation, variation, relocation, repair, and/or maintenance due to any emergency or for any technical reasons;

    • If the same is due to any transmission deficiencies caused by topographical and geographical constraints/limitations;

    • If the mobile connection with which your PayDOTStar Wallet is related ceases to be operational or in your possession or control.

    • If PayDOTStar Wallet believes, in its reasonable opinion, that cessation/ suspension is necessary.

  • PayDOTStar Wallet reserves the right to amend, modify, change, and/or terminate (collectively “Changes”) the Terms, the Site (www.paydotstar.com) and Related Applications, at any time in its sole discretion. Your continued use of the Services shall be deemed as Your acceptance of any such Changes.

  • If PayDOTStar Wallet requests registration information from You, You will provide with true, accurate, current, and complete information;

  • You agree to log out from your accounts at the end of each session for Your own security;

  • You agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, grant a security interest in, or otherwise transfer any right to the technology or software underlying its web-sites/app or the Services;

  • Without limiting the foregoing, You agree to not use the Services offered through Our Site or Related Applications to take any of the following actions

    • Engage in any act which is obscene, offensive, indecent, racial, anti religious, anti-national, objectionable, defamatory, abusive, harass, stalk, threaten, or otherwise violate the legal right of others;

    • Publish, post, upload, e-mail, distribute, or disseminate (collectively, "Transmit") any inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful content;

    • Transmit files that contain viruses, corrupted files, or any other similar software or programs that may damage or adversely affect the operation of another person's computer, its web-sites/app, any software or hardware, or telecommunications equipment;

    • Advertise or offer to sell any goods or services for any commercial purpose unless you have its written consent to do so;

    • Transmit web-sites/app, services, products, surveys, contests, pyramid schemes, spam, unsolicited advertising or promotional materials, or chain letters;

    • Download any file, recompile or disassemble or otherwise affect its products that you know or reasonably should know cannot be legally obtained in such manner;

    • Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or the source of software or other material;

    • Collect or store personal information about other end users;

    • Impersonate any person or entity, including, but not limited to, a representative of PayDOTStar Wallet or falsely state or otherwise misrepresent your affiliation with a person or entity;

    • Forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through Our Site or related application or to manipulate your presence on the Site or related application available through authorised sources;

    • Take any action that imposes an unreasonably or disproportionately large load on Our infrastructure/ network;

    • Engage in any illegal activities;

  • Unauthorized access to Our Site or related application is a breach of these Terms and a violation of the law;

  • You agree not to access Our Site or related application by any means other than through the interface that is provided by PayDOTStar Wallet for use in accessing Our Site or related application;

  • You agree not to use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor, or copy any part of Our Site or related application, except those automated means that PayDOTStar Wallet have approved in advance and in writing.

  • “KYC” stands for Know Your Customer and refers to the various norms, rules, laws and statutes issued by Reserve Bank of India from time to time.

  • PayDOTStar Wallet is required to procure personal identification details from You before any Services can be delivered and at the time of Registration and/ or on a later date, for availing and / or continuation of the PayDOTStar Wallet.

  • The collection, verification, audit and maintenance of correct and updated customer information is a continuous process and PayDOTStar Wallet reserves the right, at any time, to take steps necessary to ensure compliance with all relevant and applicable KYC requirements.

  • We reserve the right to discontinue Services/ reject applications for PayDOTStar Wallet at anytime if there are discrepancies in information and/or documentation provided by you.

  • Any information provided to Us with the intention of securing PayDOTStar Wallet shall vest with Us, and may be used, for any purpose consistent with any applicable law or regulation, at its discretion.

  • If the particulars provided by you in the KYC documents do not match with the details mentioned in the KYC enrolment form, your PayDOTStar Wallet shall be suspended until the time You furnish correct details.

  • Subject to guidelines/notifications issued by RBI from time to time these limitations may be reviewed and modified at the discretion of PayDOTStar Wallet without prior intimation you.

To Update PAN or Form 60 for Full KYC As per RBI, PAN or Form 60 is required as part of your KYC to enjoy the 1 Lac limit on your PayDOTStar Wallet. Do include it as part of your KYC documents in case you wish to be upgraded to a full KYC PayDOTStar Wallet. In case you are an existing KYC PayDOTStar Wallet user but have not yet submitted your the PAN or Form 60, kindly submit it at the earliest to continue enjoying the full benefits of a KYC customer. Please send a photo or a coloured scan of any one of these documents from your registered wallet email ID along with your wallet mobile number to admin@Paydotstar.com. In case your email ID is not registered with us, please log into the PayDOTStar Wallet App or website, go to your Profile section, update your email id and save the profile. Once done, please email us the document. Please note the following

  • Your email ID must be registered in PayDOTStar Wallet profile.

  • The name mentioned on PAN Card or Form 60, must match with the user name of the PayDOTStar Wallet.

  • All wallet users who would like to enjoy a Rs.1 Lac wallet limit, must comply with PAN submission.

PRIVACY POLICY for Information Collect from you

We will collect and process the following information about you

Information collect from User/Vendor: This includes information submitted when you

  • When create or Update your PayDOTStar profile , which may includes your name, Address, email, mobile number, Date of Birth, Login Name and Password, Banking information, profile Picture, KYC information etc

  • Provide content to us, which may include review , ordering details and history, nearest vendor , contact information of people you refer and other information on PayDOTStar platform. (“Your Content”)

  • Use our Services, we may collect and store information about you to process your requests and automatically complete forms for future transactions, including (but not limited to) your phone number, address, email, billing information and credit or payment information.

  • Correspond with PayDOTStar for customer support;

  • Participate in the interactive services offered by the PayDOTStar Platform such as discussion boards, competitions, promotions or surveys, other social media functions or make payments etc., or

  • Enable features that require PayDOTStar's access to your address book or calendar;

  • Report problems for troubleshooting.

  • If you sign up to use our Services as a merchant or a delivery partner, we may collect location details, copies of government identification documents and other details (KYC), call and SMS details.

Information we collect about you -

With regard to each of your visits to the PayDOTStar Platform, we will automatically collect and analyse the following demographic and other information:

  • When you communicate with us (via email, phone, through the PayDOTStar Platform or otherwise), we may maintain a record of your communication;
  • Location information:

    Depending on the Services that you use, and your app settings or device permissions, we may collect your real time information, or approximate location information as determined through data such as GPS, IP address, IMEI Number;

  • Usage and Preference Information:

    We collect information as to how you interact with our Services, preferences expressed and settings chosen. PayDOTStarPlatform includes the PayDOTStar advertising services (“Ad Services”), which may collect user activity and browsing history within the PayDOTStar Platform and across third-party sites and online services, including those sites and services that include our ad pixels (“Pixels”), widgets, plug-ins, buttons, or related services or through the use of cookies. Our Ad Services collect browsing information including without limitation your Internet protocol (IP) address and location, your login information, browser type and version, date and time stamp, user agent, PayDOTStar cookie ID (if applicable), time zone setting, browser plug-in types and versions, operating system and platform, and other information about user activities on the PayDOTStar Platform, as well as on third party sites and services that have embedded our Pixels, widgets, plug-ins, buttons, or related services;

  • Transaction Information:

    We collect transaction details related to your use of our Services, and information about your activity on the Services, including the full Uniform Resource Locators (URL), the type of Services you requested or provided, comments, domain names, search results selected, number of clicks, information and pages viewed and searched for, the order of those pages, length of your visit to our Services, the date and time you used the Services, amount charged, details regarding application of promotional code, methods used to browse away from the page and any phone number used to call our customer service number and other related transaction details;

  • Device Information:

    We may collect information about the devices you use to access our Services, including the hardware models, operating systems and versions, software, file names and versions, preferred languages, unique device identifiers, advertising identifiers, serial numbers, device motion information and mobile network information. Analytics companies may use mobile device IDs to track your usage of the PayDOTStar Platform;

  • Stored information and files:

    PayDOTStar mobile application (Paydotstar) may also access metadata and other information associated with other files stored on your mobile device. This may include, for example, photographs, audio and video clips, personal contacts and address book information. If you permit the PayDOTStar app to access the address book on your device, we may collect names and contact information from your address book to facilitate social interactions through our services and for other purposes described in this Policy or at the time of consent or collection. If you permit the PayDOTStar app to access the calendar on your device, we collect calendar information such as event title and description, your response (Yes, No, Maybe), date and time, location and number of attendees.

  • If you are a partner restaurant, merchant or a delivery partner, we will, additionally, record your calls with us made from the device used to provide Services, related call details, SMS details location and address details

Information we receive from other sources
  • We may receive information about you from third parties, such as other users, partners (including ad partners, analytics providers, search information providers), or our affiliated companies or if you use any of the other websites/apps we operate or the other Services we provide. Users of our Ad Services and other third-parties may share information with us such as the cookie ID, device ID, or demographic or interest data, and information about content viewed or actions taken on a third-party website, online services or apps. For example, users of our Ad Services may also be able to share customer list information (e.g., email or phone number) with us to create customized audience segments for their ad campaigns.

  • When you sign in to PayDOTStar Platform with your SNS account, or otherwise connect to your SNS account with the Services, you consent to our collection, storage, and use, in accordance with this Policy, of the information that you make available to us through the social media interface. This could include, without limitation, any information that you have made public through your social media account, information that the social media service shares with us, or information that is disclosed during the sign-in process. Please see your social media provider’s privacy policy and help center for more information about how they share information when you choose to connect your account.

  • If you are vendor we may, additionally, receive feedback and rating from other users.

  • You shall pay the service charges prescribed by PayDOTStar Wallet in the form and manner prescribed for such payment. PayDOTStar Wallet may at its discretion, change, amend, increase, or reduce the Service Charges without prior intimation to the customer.

  • For all charges and fees associated with the use of the PayDOTStar Wallet AsAnnexure 1

  • Any value in your PayDOTStar Wallet that is utilized towards making payments for any transaction shall be automatically debited from your PayDOTStar Wallet.

  • Our responsibility is limited to the debiting of your PayDOTStar Wallet and the subsequent payment to any merchant establishment that you might transact with.

  • We do not endorse, promote, or warrant any goods and/or services that might be availed or proposed to be availed using PayDOTStar Wallet.

  • We reserve the right to levy charges upon any amount loaded upon your PayDOTStar Wallet or any amounts spent by You using PayDOTStar Wallet.

  • PayDOTStar Wallet reserves the right to set off any balance in your wallet in order to recover funds for transactions processed as per your request.

  • Your PayDOTStar wallet shall be valid for a period of 12 months from the date of activation or from the time of the last wallet load whichever is later.

  • Minimum KYC PayDOTStar Wallet holders will have to complete KYC within a period of 12 months from the date of issue of PayDOTStar Wallet or 1st Nov 2020, whichever is later, failing which no further credit shall be allowed in wallet. However, the user can use the balance available in the wallet.

  • In the event wallet is inactive or not used by the customer for a continuous period of 1 year from the date of activation or last transaction, forfeiture will be done in compliance with RBI guidelines .

  • PayDOTStar will intimate the customer thru SMS/ email 45 days prior deactivating or suspension of the wallet. All PPI holders can reclaim their amount from the date of forfeiture in their bank accounts. This process of reclaim will include written request from PPI holder along with registered details and submission of ID document.

  • Charges pertaining to transactions shall be in accordance with RBI guidelines as applicable from time to time.

Sl No Description Minimum KYC Wallet Full KYC Wallet
1 Using IMPS/NEFT/(Vendor Only) 10000 100000
2 Cash Recharge(User Only) 10000 10000
3 Wallet to Wallet(User Only) 2000 2000
4 Wallet to Bank (Vendor Only) Incurred in Bank Incurred in Bank
5 Settlement (User) Min Rs.50 or 3% Bal Min Rs.50 or 3% Bal
6 Settlement (Vendor) Min Rs.250 or 3% Bal Min Rs.250 or 3% Bal

Wallet Closure Charges: (On Lock amount sufficient from period will be calculated)

User Before 30 Days 75%
31 to 90 Days 50%
91 to 120 Days 30%
Above 121 Days 20%

If Transaction amount more than 1.50 Lakh (Rupees One lakh fifty thousand No charges will be deducted)

Vendor Before 30 Days 75%
31 to 90 Days 50%
91 to 120 Days 30%
Above 121 Days 20%

If Transaction amount more than 15 Lakh (Rupees Fifteen lakh fifty thousand No charges will be deducted)

  • All charges GST is extra


    You specifically agree that in order to facilitate the provision of PayDOTStar Wallet, it may be required to disclose any information or particulars pertaining to You to any authority, statutory or otherwise. Privacy of communication is subject to the terms of the certificate of authorization granted by the Reserve Bank of India and Reserve Bank of India notifications/directives etc.


    We, or Our licensors, own all right, title and interest, including, but not limited to all copyright, trademark, patent, trade secret or other proprietary rights (“IP rights”), in and to the site, the platform, the usage data. You shall not reproduce, distribute, transmit, modify, create derivative works, display, perform or otherwise use the Site, the platform or any of the IP rights, or attempt to reverse engineer, decompile, disassemble, or derive the source code for the platform or use the platform or Site to create a competing product. PayDOTStar Wallet is owned by 4 Dot Star SolutionsPvt. Ltd. unauthorized use is strictly prohibited. All rights are expressly reserved to PayDOTStar Wallet.


    We make no warranty, express or implied, with respect to the Site and Related Applications and Services offered. We expressly disclaim the implied warranties of non-infringement, merchantability, and fitness for any particular purpose. We provide the Site and Related Applications and any other technology and Services on the Site on an “as is”, “where is”, “with all faults” basis. We do not warrant that the Site or Related Applications and any products or Services shown or described on the Site or Related Applications, or other technology and services will be uninterrupted, error-free, available or operational at any particular time, or that any known defects will be corrected. We disclaim any liability for any information that may have become outdated since the last time the particular piece of information was updated. We reserve the right to make changes and corrections to any part of the content of this website at any time without prior notice.

    • You expressly understand and agree that Your use of the services is at Your sole risk and that the Services are provided "as is" and "as available". In particular, PayDOTStar Wallet, its subsidiaries and affiliates, and its licensors do not represent or warrant to You that:

      • Your use of the Services will meet Your requirements,

      • Your use of the Services will be uninterrupted, timely, secure or free from error,

      • Any information obtained by You as a result of Your use of the services will be accurate or reliable, and

      • That defects in the operation or functionality of any software provided to You as part of the Services will be corrected.

    • You acknowledge that PayDOTStar Wallet is a facilitator for Mobile recharges and other Services and is not liable for any 3rd party products available on the Site and other Related Applications with respect to rates, quality, and all other instances. You expressly agree that use of the Services and the Site and Related Applications is at your sole risk and you shall not hold PayDOTStar Wallet liable for any discrepancy in the third party products. It is your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the site or on the internet generally.

    • Any material downloaded or otherwise obtained through the use of the Services is done at Your own discretion and risk and that You will be solely responsible for any damage to Your computer system or other device or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by You from PayDOTStar Wallet or through or from the Services shall create any warranty not expressly stated in the Terms. PayDOTStar Wallet further expressly disclaims all warranties and conditions of any kind, whether express or implied, including, but not limited to the implied warranties and conditions of merchantability, fitness for a particular purpose and non-infringement.


      You agree to indemnify, defend and hold PayDOTStar Wallet and/or related parties harmless from any and all claims, losses, damages, and liabilities, costs and expenses, including and without limitation legal fees and expenses, arising out of or related to your use or misuse of the PayDOTStar Wallet, any violation of these Terms, or any breach of the representations, warranties, and covenants made by you.




      By accepting the Terms, You authorize us to hold, receive, disburse and settle funds on Your behalf. Your authorization permits us to generate an electronic funds transfer between the payment system providers and our nodal account to process each payment transaction that you authorize. Thereafter You authorise us to transfer the payments received from Your buyers to the bank account designated by You for this purpose at the time of registration. Your authorization will remain in full force and effect until Your PayDOTStar Wallet account is closed or terminated.


      All sales are final with no refund or exchange permitted. You are responsible for the information you provide for purchase and all charges that result from those purchases. PayDOTStar Wallet is not responsible for any purchase of incorrect information provided. If in a transaction performed by you on the Site, money has been charged to your card or bank account and a recharge is not delivered within two hours of your completion of the transaction then you may inform us by sending an email to our customer services email address as mentioned. PayDOTStar Wallet shall investigate the incident and if it is found that money was charged to your card or bank account without delivery of the recharge then you will be refunded the money within 15 working days from the date of receipt of your email. All refunds will be credited to your PayDOTStar Wallet account or Bank Account.

      PROHIBITED SERVICES You agree you will not transact any payments in connection with the following businesses, business activities or business practices pertaining to the following items:
      • adult goods and services which includes pornography and other sexually suggestive materials (including literature, imagery and other media); escort or prostitution services;

      • alcohol which includes alcohol or alcoholic beverages such as beer, liquor, wine, or champagne; body parts which includes organs or other body parts;

      • bulk marketing tools which includes email lists, software, or other products enabling unsolicited email messages (spam);

      • cable descramblers and black boxes which includes devices intended to obtain cable and satellite signals for free; child pornography which includes pornographic materials involving minors;

      • copyright unlocking devices which includes mod chips or other devices designed to circumvent copyright protection; copyrighted media, which includes unauthorized copies of books, music, movies, and other licensed or protected materials;

      • copyrighted software, which includes unauthorized copies of software, video games and other licensed or protected materials, including bundled software;

      • counterfeit and unauthorized goods which includes replicas or imitations of designer goods; items without a celebrity endorsement that would normally require such an association; fake autographs, counterfeit stamps, and other potentially unauthorized goods;

      • drugs and drug paraphernalia which includes illegal drugs and drug accessories, including herbal drugs like salvia and magic mushrooms;

      • drug test circumvention aids which includes drug cleansing shakes, urine test additives, and related items; endangered species, which includes plants, animals or other organisms (including product derivatives) in danger of extinction;

      • gaming/gambling which includes lottery tickets, sports bets, memberships/ enrolment in online gambling sites, and related content;

      • government ids or documents which includes fake ids, passports, diplomas, and noble titles;

      • hacking and cracking materials which includes manuals, how-to guides, information, or equipment enabling illegal access to software, servers, websites, or other protected property;

      • illegal goods, which includes materials, products, or information promoting illegal goods or enabling illegal acts;

      • miracle cures which includes unsubstantiated cures, remedies or other items marketed as quick health fixes;

      • offensive goods, which includes literature, products or other materials that: a) defame or slander any person or groups of people based on race, ethnicity, national origin, religion, sex, or other factors b) encourage or incite violent acts c) promote intolerance or hatred;

      • offensive goods, crime that includes crime scene photos or items, such as personal belongings, associated with criminals;

      • prescription drugs or herbal drugs or any kind of online pharmacies which includes drugs or other products requiring a prescription by a licensed medical practitioner;

      • pyrotechnic devices and hazardous materials which includes fireworks and related goods; toxic, flammable, and radioactive materials and substances;

      • regulated goods which includes air bags; batteries containing mercury; or similar substances/refrigerants;

      • chemical/industrial solvents; government uniforms; car titles; license plates; police badges and law enforcement equipment; lock-picking devices; pesticides; postage meters; recalled items; slot machines; surveillance equipment; goods regulated by government or other agency specifications;

      • securities, which includes stocks, bonds, or related financial products;

      • tobacco and cigarettes which includes cigarettes, cigars, chewing tobacco, and related products;

      • traffic devices, which includes radar detectors/hammers, license plate covers, traffic signal changers, and related products;

      • weapons which includes firearms, ammunition, knives, brass knuckles, gun parts, and other armaments; wholesale currency, which includes discounted currencies or currency, exchanges;

      • live animals;

      • multi level marketing collection fees;

      • matrix sites or sites using a matrix scheme approach;

      • work-at-home information;

      • drop-shipped merchandise;

      • collecting and effecting / remitting payments directly /indirectly outside India in any form towards overseas foreign exchange trading through electronic/internet trading portal;

      • any product or service, which is not in compliance with all applicable laws and regulations whether federal, state, local or international including the all laws of India.


      In case of any technical issues, please raise a support ticket by emailing admin@paydotstar.com from Your service dashboard to let us know of the same. You can also contact us on 9480980826 in case of urgent matters.


      The Terms will be governed by and construed in accordance with the laws of India. You agree that any legal action or proceedings arising out of these Terms may be brought exclusively in the competent courts or tribunals having jurisdiction in Delhi, India and irrevocably submit themselves to the jurisdiction of such courts or tribunals. PayDOTStar Wallet may elect to resolve any controversy or claim arising out of or relating to these Terms or Site and related application by binding arbitration in accordance with the provisions of the Indian Arbitration & Conciliation Act, 1996. Any such controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in New Delhi, India and judgment on the arbitration award may be entered in any court having jurisdiction thereof. The language of Arbitration will be English. To report fraud in PayDOTStar Wallet, and to know more about the risks and liabilities of users in case a fraud occurs/is reported, please refer to Fraud - Customer Protection & Liability