Welcome to Anshtrix. These Terms & Conditions (“Terms”, “Agreement”) govern your access to and use of the Anshtrix website, digital platform, partner portal, applications, APIs and financial technology services. By registering with, accessing, or using any Anshtrix service, you acknowledge that you have read, understood and agreed to these Terms.
1. About Anshtrix & Our Services
Anshtrix is a digital financial technology platform designed to help retailers, merchants, distributors, entrepreneurs and businesses provide digital banking and payment-related services to their customers.
Depending on eligibility, availability, applicable regulations and partner arrangements, Anshtrix may provide or facilitate the following services:
AEPS Banking
Aadhaar Enabled Payment System facilities including cash withdrawal, balance enquiry and mini statement services through authorized channels.
Domestic Money Transfer
Digital money transfer facilities enabling authorized partners to transfer funds to eligible bank accounts across India.
BBPS & Bill Payments
Supported utility bill payment services including electricity, water, gas, telecom, broadband, DTH and other supported categories.
Micro ATM
Retail banking facilities including cash withdrawal, debit-card transactions and balance enquiry.
Recharge Services
Supported mobile, DTH, FASTag and other digital recharge services.
Insurance Services
Insurance-related services provided through authorized insurance companies and service partners.
PAN Services
PAN-related application and support services through authorized channels and service providers.
API Solutions
Technology and API-based financial solutions for eligible businesses and partners.
2. Eligibility
To use Anshtrix services, you must:
- Be legally capable of entering into a binding agreement.
- Provide accurate and complete information during registration and onboarding.
- Complete applicable KYC and verification requirements.
- Use the platform only for lawful business and financial activities.
- Comply with applicable laws, regulations, banking requirements and service-provider rules.
Anshtrix may refuse registration, restrict access or suspend an account where required information or verification is incomplete or inaccurate.
3. Partner Registration & KYC
Partners, retailers, merchants, distributors and businesses may be required to complete an onboarding and verification process before accessing certain services.
Depending on the service, Anshtrix may require:
- Name and contact details
- Mobile number and email address
- Business information
- PAN and KYC documents
- Bank account information
- Address information
- Business registration documents
- Other information required for regulatory or service-provider verification
You are responsible for ensuring that all information and documents submitted to Anshtrix are accurate, genuine, current and complete.
4. User Responsibilities
By using Anshtrix, you agree that you will:
- Provide correct and updated information.
- Use the platform only for legitimate transactions.
- Keep your username, password, OTPs, API credentials and authentication information confidential.
- Not share account credentials with unauthorized persons.
- Not misuse customer information.
- Not attempt to bypass security or authentication mechanisms.
- Not manipulate transaction records or payment information.
- Not use Anshtrix for fraudulent or illegal activities.
- Follow applicable banking, payment-network, KYC, AML and regulatory requirements.
5. Prohibited Activities
The Anshtrix platform must not be used for activities that are unlawful, fraudulent, deceptive, abusive or prohibited under applicable laws.
- Money laundering
- Fraudulent transactions
- Unauthorized financial transactions
- Identity theft
- Use of false or forged documents
- Unauthorized access to another person's account
- Manipulation of transaction information
- Misuse of customer or Aadhaar-related information
- Attempting to compromise platform security
- Using APIs or services for unauthorized purposes
6. Transaction Processing
Transactions initiated through Anshtrix are processed through applicable banks, payment networks, billers, recharge operators, insurance companies, technology partners and other authorized service providers.
A transaction may be subject to:
- Network availability
- Bank response
- Payment gateway response
- Biller or operator confirmation
- KYC or risk checks
- Regulatory requirements
- Technical processing
Users should not assume that a transaction is successful solely because a request was submitted. Transaction status should be confirmed through the applicable transaction response or reference number.
7. Cancellation, Refund & Reversal
Once a transaction has been successfully processed or submitted to the relevant service provider, cancellation may not always be possible.
For failed, pending, reversed or disputed transactions, resolution will depend on the applicable service provider, bank, payment network, biller, operator or partner.
Where a refund or reversal is applicable, it will be processed according to the relevant transaction and service-provider process.
8. Fees, Charges & Commissions
Certain Anshtrix services may involve transaction charges, processing fees, convenience fees, service charges or other applicable charges.
Where applicable, charges may be displayed or communicated before or during the transaction process.
Partner commissions, incentives or earnings, where applicable, are subject to the applicable Anshtrix commercial terms and may vary by service, transaction type, partner category or promotional scheme.
Anshtrix reserves the right to modify applicable fees, charges, commissions or commercial terms subject to applicable requirements.
9. Wallet, Balance & Settlement
Where a wallet, prepaid balance, settlement account or similar facility is provided, its use will be subject to the applicable Anshtrix policies and service conditions.
Partners are responsible for maintaining sufficient balance where required to initiate transactions.
Anshtrix may temporarily restrict wallet or settlement functionality in cases involving suspected fraud, KYC issues, regulatory requirements, transaction disputes, security concerns or technical issues.
10. Security
Anshtrix uses reasonable technical and organizational measures intended to protect its platform, transactions and user information.
However, no internet-based system can be guaranteed to be completely secure.
Users are responsible for:
- Maintaining device security
- Protecting login credentials
- Protecting OTPs
- Protecting API keys and secret credentials
- Using trusted devices and networks
- Reporting suspicious activity promptly
11. Customer & Personal Information
Users may process customer information while using Anshtrix services.
Users must collect, use, store and share customer information only for legitimate and authorized purposes and in accordance with applicable laws and Anshtrix policies.
Users must not misuse customer information, authentication information, identity documents or transaction information.
12. Third-Party Services
Certain Anshtrix services may depend on third-party institutions, including:
- Banks
- Payment networks
- Billers
- Recharge operators
- Insurance providers
- KYC and verification providers
- Payment gateways
- Technology partners
- API providers
- Government or authorized platforms
Anshtrix does not control all third-party systems and therefore cannot guarantee the uninterrupted availability of services operated by such third parties.
13. Service Availability
Anshtrix aims to provide reliable and convenient digital financial services; however, continuous or uninterrupted availability cannot be guaranteed.
Services may become temporarily unavailable due to scheduled maintenance, emergency maintenance, bank downtime, payment-network issues, internet or telecom failures, third-party service interruptions, security incidents, regulatory requirements or circumstances beyond reasonable control.
14. Intellectual Property
All intellectual property associated with the Anshtrix platform, including website content, logos, branding, designs, software, user interfaces, graphics, text, API documentation and platform technology is owned by Anshtrix or its respective licensors, unless otherwise stated.
Users may not copy, reproduce, modify, distribute, reverse engineer, sell or commercially exploit Anshtrix intellectual property without prior written authorization.
15. Limitation of Liability
Anshtrix takes reasonable measures to provide secure and reliable services. However, to the maximum extent permitted by applicable law, Anshtrix shall not be responsible for indirect, incidental, special, consequential or business losses arising from:
- Service interruptions
- Bank or payment-network failures
- Third-party service failures
- Internet or telecommunications failures
- Unauthorized access caused by user negligence
- Incorrect information provided by the user
- Delays caused by external service providers
- Events beyond Anshtrix's reasonable control
16. Fraud, Suspicious Transactions & Account Restrictions
Anshtrix may monitor transactions and account activity for security, fraud prevention, compliance and risk-management purposes.
Where suspicious or potentially unauthorized activity is identified, Anshtrix may:
- Temporarily suspend transactions
- Restrict account access
- Request additional verification
- Require additional KYC information
- Hold transactions for review
- Disable specific services
- Terminate an account where appropriate
17. Suspension & Termination
Anshtrix may suspend, restrict or terminate access to an account or service if:
- These Terms are violated.
- False or misleading information is provided.
- Fraudulent activity is suspected.
- KYC requirements are not fulfilled.
- The account is used for prohibited activities.
- Security or compliance concerns arise.
- Required by a bank, payment network, regulator, government authority or applicable law.
Termination or suspension will not affect obligations or liabilities that arose before termination.
18. Changes to Services & Terms
Anshtrix may add, modify, suspend or discontinue services, features, transaction methods, APIs or service categories from time to time.
Anshtrix may also update these Terms to reflect changes in regulatory requirements, technology, services, security requirements or business operations.
Continued use of Anshtrix services after updated Terms become effective constitutes acceptance of the revised Terms.
19. Force Majeure
Anshtrix shall not be responsible for failure or delay in performing its obligations where such failure results from circumstances beyond its reasonable control.
Such circumstances may include natural disasters, government actions, regulatory changes, war, civil disturbances, cyber incidents, network failures, banking-system failures, power outages, telecommunications failures, internet disruptions or third-party infrastructure failures.
20. Grievance & Customer Support
If you experience a transaction issue, service problem, account issue or other concern, you should contact Anshtrix through the official support channels.
When contacting support regarding a transaction, please provide relevant details such as transaction ID, reference number, date and time, service used and registered mobile number.
Need Help?
Our support team is available to assist with service and transaction-related queries.
21. Governing Law & Jurisdiction
These Terms shall be governed by and interpreted in accordance with the laws applicable in India.
Any dispute arising out of or relating to the use of Anshtrix services shall be subject to the jurisdiction of the competent courts in India, subject to applicable law.
22. Entire Agreement
These Terms, together with applicable policies, service-specific terms, privacy policies, refund policies, commercial terms and other agreements communicated by Anshtrix, constitute the understanding between the user and Anshtrix regarding use of the applicable services.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue to remain in effect to the extent permitted by law.