Payment Policy
Payment Policy
Last updated: 2026-07-16
This payment policy applies to the website, products and services offered under the brand WAAPI, operated by WAAPI (“we”, “us”, “our”), acting as the business. By accessing or using our services you agree to this payment policy. If you do not agree, please discontinue use of the services.
1. Accepted methods
We accept payment through the methods displayed at checkout, which may include UPI, credit and debit cards, net banking and wallets, processed by PCI-DSS compliant payment gateways. We never receive or store your full card number, CVV or UPI PIN — those are captured directly by the gateway on its own certified infrastructure.
2. Our payment gateways
Payment gateway
| Service & entity | Why we use it | Data it receives | Where | Their policies |
|---|---|---|---|---|
| Razorpay Razorpay Software Private Limited (India) | Collecting subscription, wallet top-up and usage payments, and — where you authorise a mandate — charging recurring subscription renewals. | Your name, email address, phone number, billing address, order amount and reference, and the payment-mandate token. Card numbers and CVV are captured by Razorpay on its own PCI-DSS certified infrastructure and are never received or stored by us. | India | Razorpay Terms of Use Razorpay Privacy Policy |
| PhonePe Payment Gateway PhonePe Private Limited (India) | Collecting UPI and card payments for subscriptions and wallet top-ups. | Your name, contact details, transaction amount and merchant transaction reference. Payment credentials are captured by PhonePe and are never received or stored by us. | India | PhonePe Terms & Conditions PhonePe Privacy Policy |
3. Pricing & taxes
Prices are shown in the currency indicated at checkout and are exclusive of applicable taxes (including Tax in India) unless stated otherwise. Tax invoices are issued to the billing details on your account — keep them accurate. See our Pricing & Billing Transparency page.
4. Subscriptions & auto-renewal
Subscriptions renew automatically at the end of each billing cycle unless cancelled beforehand. Where you have authorised a mandate or token for recurring payment, the renewal amount is charged automatically per the mandate terms, up to the maximum amount you approved. You can revoke the mandate at any time from your panel or through your bank; revocation stops future debits but does not cancel amounts already due.
5. Usage charges, wallet & credits
Usage-based charges — per-message fees, AI credits, advertising spend — are debited from your prepaid wallet or billed per your plan. Keeping the wallet funded is your responsibility; services may pause when the balance is exhausted. Wallet and credit balances are not encashable.
6. Failed or pending payments
If a payment fails or remains pending, the order is not activated. Amounts debited by your bank for failed transactions are auto-reversed by the gateway per its timelines. Verified duplicate charges are handled per our Refund & Cancellation Policy.
7. No refunds
All completed payments are final and non-refundable as set out in the Refund & Cancellation Policy.
Governing law & jurisdiction
This document is governed by the laws of India. For operators in India this includes the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023 (DPDP Act), the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 and the Consumer Protection Act, 2019. Where we serve customers in other jurisdictions we honour applicable local requirements, including the EU/UK General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), to the extent they apply. Courts at India have exclusive jurisdiction, subject to any non-waivable consumer rights in your country of residence.
Contact us
WAAPI is operated by WAAPI. For any question about this document, contact us:
- Email: support@thewaapi.com
- Registered address: India