Important information at a glance
These Terms & Conditions (the “Terms”) govern the relationship between Instant Pan Hub (“Company”, “we”, “us” or “our”) and anyone accessing or using our website or services (“user”, “you” or “your”). By creating an account or using a service, you agree to these Terms, subject to your rights under applicable law.
Eligibility & acceptance
You must be at least 18 years old and legally capable of entering into a binding agreement to register or use our services. You must not have been previously suspended or removed from our services unless we have expressly permitted you to register again.
You agree to provide accurate information and not to impersonate any person or entity or misrepresent your identity, age, authority, or affiliation.
Security, login records & permitted use
For security and fraud prevention, Instant Pan Hub records login-related information, including IP addresses and associated approximate geographic information, where available. These records may be used to investigate suspicious activity and protect users and the platform, in accordance with applicable law and our privacy disclosures.
You must not use the platform for unlawful transactions, fraud, abuse, harassment, unauthorized access, or activities that violate applicable government requirements or the rules of our service providers. Where we identify a suspected breach, we may restrict an account, investigate, and, where appropriate, refer the matter to relevant authorities or pursue lawful remedies.
User account & virtual wallet
A virtual wallet or account balance may be created or made available to enable eligible services. You are responsible for keeping your registration details complete and up to date and for protecting your account credentials.
- Standard users: the stated minimum wallet balance is ₹0.
- Distributor and API Partner accounts: the stated minimum maintained wallet balance is ₹1,000.
- Registration: Instant Pan Hub does not charge a separate registration fee.
- Branch ID surrender: where a customer surrenders a branch ID before completing three years, the applicable ₹1,000 amount identified for training, marketing, account maintenance, and service expenses is stated to be non-refundable, except where applicable law requires otherwise.
We may review, suspend, or close accounts where registration information is false, inaccurate, outdated, or incomplete, subject to applicable requirements.
Recharge, bill payment & money transfer services
Recharge and bill payment transactions may be facilitated through third-party service providers, payment enablers, banks, and mobile operators. You are responsible for choosing the correct operator, account or mobile number, recipient details, and transaction amount before confirming a request.
Recharge plans, talk time, operator pricing, processing, and cancellation may be controlled by the relevant operator or service provider. We will make reasonable efforts to facilitate transactions and support genuine complaints, but external operator or banking delays may be outside our direct control.
Pending transactions & processing timelines
For transactions reported as pending, the following are the stated processing or resolution timelines:
| Service type | Stated timeline |
|---|---|
| Domestic Money Transfer (DMT) | T+2 working days |
| All other services | T+1 working day |
“T” refers to the relevant transaction day. The above timelines are indicative and may be affected by bank or operator holidays, third-party processing, or verification requirements. Please refer to the transaction status and contact platform support if a transaction remains unresolved.
Payment methods, wallet & disputes
Supported payment methods may include NEFT, IMPS, eligible debit and credit cards, and net banking, depending on the options made available through our banking or payment gateway partners. Wallet credit is subject to successful receipt and reconciliation of funds. Please use the authorized payment instructions shown within the platform and do not make payments through unverified third-party websites.
Where payment details are collected on a bank's or payment gateway partner's secure page, those details are handled by that provider under its applicable terms and policies.
If a payment gateway dispute or chargeback is resolved against a transaction, we may adjust the related wallet amount or seek recovery of sums lawfully owed after the applicable review process. If your balance is insufficient, you may be asked to settle any valid outstanding amount through the Company's authorized bank account.
Pricing, plans, margins & surcharges
Plan costs, operator margins, commissions, and surcharges may change based on commercial arrangements and service-provider pricing. Changes will apply as permitted by law and any applicable contractual notice requirements. The amount and charges presented for a transaction should be reviewed before confirming it.
Refunds & reversals
As a general policy, payments for completed services and applicable service-related charges are non-refundable. Please review service details and transaction information before making a payment or wallet deposit.
Failed transactions, duplicate payments, reversals, available wallet balances, or other amounts that must be returned under applicable law or binding payment-provider rules will be handled in accordance with those requirements. Any refund or reversal, where applicable, may be subject to verification and banking processing timelines.
Account suspension, inactivity & closure
We may suspend or terminate access for a material violation of these Terms, abusive or harassing conduct, suspected misuse, or failure to meet applicable platform requirements, subject to law and any required process.
- One recharge transaction and one payment transaction are required in every 90-day period under the stated account activity policy. An account that does not meet this requirement may be automatically suspended or terminated by the system.
- An account may also be subject to closure where no recharge balance is taken for more than one year.
- Use of the services on a non-B2B website, portal, or app without authorization is prohibited. A B2C website, portal, or app requires prior approval.
On closure, access to services may stop and fees already earned for completed services may remain non-refundable. Any unused wallet balance or other amount due will be reviewed and handled under applicable law and relevant payment-service requirements; this policy does not authorize forfeiture of funds where prohibited by law.
Communications & privacy
We and our authorized affiliates or service providers may contact you through email, SMS, MMS, or telephone regarding account activity, transaction updates, security matters, support, and other service-related notices. Promotional communications, where offered, are subject to applicable consent and opt-out requirements.
Personal information, including security logs, should be processed in accordance with applicable privacy law and the Company's published privacy disclosures. Please use the support or grievance contact information displayed on the platform for account or personal-data requests.
Changes to these Terms
We may update these Terms when services, operating procedures, commercial arrangements, or legal requirements change. The revised effective date will be displayed on this page. Where notice or renewed consent is required by applicable law, we will follow those requirements. Please review this page periodically.
Governing law & dispute resolution
These Terms are governed by the laws of India. Subject to mandatory statutory rights and jurisdiction rules, disputes arising from the use of Instant Pan Hub or its services will be subject to the courts having jurisdiction in Ludhiana, Punjab, India.
For transaction-related concerns, please first contact the support or grievance channel published on Instant Pan Hub and provide the relevant transaction reference and details so that the issue can be reviewed.