Frequently Asked Questions

SafePays is a B2B fintech platform providing secure, fast, and scalable digital financial services for merchants and agents across India. Our services include AEPS & Micro ATM, Domestic Money Transfer (DMT), Recharge & Bill Payments, PAN Card Services, Aadhaar Services, Payout & Wallet System, and API Integration for businesses.

Our services are designed for businesses of all sizes including retailers, distributors, travel agents, educational institutions, utility companies, and fintech startups. We cater to both established businesses and emerging entrepreneurs looking to expand their service offerings.

Yes, SafePays is a registered company compliant with all applicable laws and regulations. We work with authorized banking partners and payment aggregators to ensure all transactions are processed through regulated channels. We adhere to RBI guidelines and maintain necessary licenses for our operations.

We implement industry-standard security measures including end-to-end encryption, secure socket layer (SSL) technology, and multi-factor authentication. All financial transactions are processed through PCI DSS compliant channels. We regularly conduct security audits and penetration testing to ensure the highest level of protection for your data.

You can register by visiting our website and clicking on the "Register" button. You'll need to provide basic business information, upload required documents (PAN, Aadhaar, business registration), and complete the KYC verification process. Our team will review your application and activate your account within 24-48 hours.

Required documents include: PAN card of the business/entity, Aadhaar card of the authorized signatory, business registration certificate (GSTIN/Shop Act License), bank account details and cancelled cheque, and business address proof. Additional documents may be required based on your business type and service requirements.

The account verification process typically takes 24-48 hours after submitting all required documents. During peak periods, it may take slightly longer. You'll receive email notifications at each stage of the verification process.

Yes, you can register separate accounts for different business entities, provided each entity has distinct documentation and operates independently. Each account will be subject to separate verification and compliance requirements.

Transaction limits vary by service and user tier:

• AEPS: ₹10,000 per transaction, ₹50,000 daily
• DMT: ₹25,000 per day per recipient
• Recharge: ₹10,000 per transaction
• Bill Payments: Up to ₹1 lakh per transaction

Higher limits are available for verified business accounts. Contact our support team for customized limits based on your business requirements.

Most transactions are processed instantly:

• AEPS/Micro ATM: Real-time processing
• DMT: Instant credit to beneficiary account
• Recharge/Bill Payments: Instant confirmation
• Payouts: T+1 settlement for most banks

During bank maintenance hours or technical issues, processing may take slightly longer.

In case of a failed transaction where funds have been debited:

1. Check your transaction history in the dashboard
2. Note the transaction reference number
3. Contact our support team immediately with transaction details
4. Our team will investigate and resolve the issue within 24-48 hours

Refunds for failed transactions are automatically processed to your source account within 3-5 business days.

Yes, nominal transaction charges apply based on service type and volume:

• AEPS: ₹10-15 per transaction
• DMT: ₹5-10 per transaction (slab-based)
• Recharge: 0.5-1% of transaction value
• Bill Payments: 0.25-0.75% of transaction value

Bulk transaction discounts and customized pricing are available for high-volume businesses. Detailed pricing is available in your dashboard.

API integration is available for approved business partners:

1. Contact our business development team to discuss integration requirements
2. Sign the API usage agreement and NDA
3. Receive API documentation and sandbox credentials
4. Complete development and testing in our sandbox environment
5. Request production access after successful testing

Our technical team provides comprehensive documentation and developer support throughout the integration process.

If you're experiencing technical issues:

1. Clear your browser cache and cookies
2. Try accessing the platform from a different browser or device
3. Check our status page for any ongoing maintenance
4. Contact our technical support team with detailed information about the issue

Our support team is available 24/7 to assist with technical issues. Response time is typically within 30 minutes for critical issues.

Yes, we offer Android and iOS mobile applications for our merchant partners. The mobile app provides access to all essential services including transaction processing, account management, and reporting. You can download the app from Google Play Store or Apple App Store by searching for "SafePays Merchant".