Terms of Use of ZulePay Recharge & Pay Bills

Last updated: 9 September 2026 · Version: 1.0.0 · Effective date: 9 September 2026

1. About this document

These terms ("Bill Payment Terms") govern your use of ZulePay's bill payment and recharge services — paying bills (electricity, water, gas, telecom, DTH, FASTag and other BBPS-enabled categories) and purchasing recharges through the app. They apply in addition to the General Terms and Conditions, the Wallet Terms, the Privacy Policy and the Cancellation & Refund Policy. Capitalised terms have the meanings in the General Terms.

2. The service

1. Bill payments and recharges are processed through the Bharat Bill Payment System ("BBPS") ecosystem, currently routed through BillDesk and participating billers ("Biller" or "Operator").
2. The categories and billers available in the app may change from time to time. A biller shown in the app is not an endorsement of the biller.
3. Bill details (amount, due date, consumer details) are fetched from the biller. You are responsible for verifying the consumer number, mobile number and amount before paying.

3. Authorisation and processing

1. When you confirm a bill payment or recharge, your Main Wallet is debited and the instruction is transmitted to the biller through the BBPS infrastructure.
2. Confirmation timelines depend on the biller. Some billers confirm instantly; others may take longer. The status shown in the app ("pending", "success", "failed") is based on the biller's confirmation.
3. A payment is "successful" only when the biller confirms it. Until then, the payment remains pending and is not a discharge of your liability to the biller.

4. Failed payments and refunds

1. If a bill payment or recharge fails, or is not confirmed within the timelines in the Cancellation & Refund Policy, the amount is refunded automatically to your Main Wallet, or to the original source where required by the payment method.
2. Refund timelines depend on the biller and payment infrastructure and follow the Cancellation & Refund Policy.
3. If a payment is confirmed by the biller after a refund has been initiated, the refund may be reversed or the payment may be recovered from your wallet balance, and we will inform you.

5. Recharges

1. For recharges, verify the mobile number / subscriber ID and the plan before confirming. Recharges delivered to the correct subscriber ID but a wrong plan chosen by you cannot be reversed by us.
2. Operator plans, validity, benefits and terms are set by the operator; ZulePay only processes the payment.
3. A successful recharge to the correct subscriber ID is final; corrections (if any) must be sought from the operator.

6. Biller terms and disputes

1. Bill payments are subject to the biller's own terms. Your payment does not constitute proof of discharge of your liability to the biller unless confirmed by the biller; please retain your receipt.
2. Disputes about the bill itself (meter readings, tariff, plan benefits, service quality) are between you and the biller/operator. We will assist you with payment-status information and, where possible, escalation through BBPS complaint channels.
3. Complaints about a bill payment follow Section 29 of the General Terms and the BBPS complaint-handling framework where applicable.

7. Fees

1. Bill payments and recharges are currently free for customers. If a fee or convenience charge is introduced for any category, it will be shown before you confirm and may be revised per Section 16 of the General Terms.

8. Contact us

USR Enterprises Private Limited CIN: U62011KA2026PTC224718 VO-843, WeWork 10th Floor, RMZ Latitude, No. 69/458/69, Hebbal Kempapura, Bengaluru – 560024, Karnataka, India Email: support@zulepay.com · Phone: +91 95381 07745