Terms of Service

PayBridgeNP is a product of Nepali Mind Private Limited, a company registered in Nepal. In these terms, "PayBridgeNP", "we" and "us" mean that company.

You may use PayBridgeNP only for lawful business purposes and only in connection with products or services you are authorised to sell or collect payment for. You must provide accurate account details and keep your login, API keys, and provider credentials secure. You must be at least 18 years old and legally able to enter into a binding contract to open or operate a merchant account. PayBridgeNP ID at checkout is also for people aged 18 or over; if you are younger, complete the checkout without it.

Access to the merchant dashboard is available through the merchant dashboard. You are responsible for activity that occurs through your account unless caused by our own breach or misconduct.

PayBridgeNP is software that connects merchants to their own accounts with NRB-licensed payment providers. It is not a bank and is not a Nepal Rastra Bank (NRB) licensed payment service provider or payment system operator. PayBridgeNP does not hold, settle, or take custody of your funds or your customers' funds at any point. Money moves only between your customer and your own merchant account. Settlement, fund custody, and end-customer verification are performed by your NRB-licensed provider (eSewa, Khalti, or Fonepay), not by PayBridgeNP. PayBridgeNP ID verifies a buyer's access to their own PayBridgeNP ID account; it is not provider KYC.

• Use only your own valid and authorised provider credentials, bank relationships, and business information for eSewa, Khalti, and Fonepay.
• Maintain accurate pricing, refund, fulfilment, and customer support practices for your end users.
• Comply with the rules of eSewa, Khalti, Fonepay, banks, regulators, tax authorities, and any other applicable law or policy.
• Ensure your website, checkout context, and webhook endpoints are secure and under your control.
• Respond to disputes, refund requests, and customer complaints related to your goods or services.
• Configure customer-facing notifications (SMS, email, receipts) accurately and on a frequency that respects your customers.
• Comply with the laws that apply to your business, including the Consumer Protection Act, 2075 (with its disclosure and refund requirements where you sell to consumers), the Individual Privacy Act, 2075, and the Electronic Transactions Act, 2063, and hold any licence your business needs.

PayBridgeNP offers a Free plan, paid plans, and custom Enterprise plans. Each plan's current price, features, and limits are shown on our pricing page and in your dashboard when you choose a plan. The rules below apply to all of them.

• Paid plan renewal, grace, and downgrade: paid plans (Growth and Pro) run for a fixed term, and we send renewal reminders before a plan expires. If a paid plan is not renewed, a short grace period applies during which paid features keep working, though live payments may be limited to the Free tier's monthly amount until the plan is renewed; after it, the account is automatically moved to the Free tier. A downgrade does not delete your data - your account, projects, transactions, and history are retained - but Free-tier features and history windows then apply, and you may be unable to create more projects, API keys, or webhook endpoints until you are within the Free limits or upgrade again.
• Plan changes: caps and features may change as the product evolves. Material changes will be presented in the dashboard or via direct notice before they apply to your account.
• Plan fees are non-refundable. Plan fees are paid in advance for each billing period and are not refunded, including for unused time or if you downgrade or close your account during a period, except where the law requires a refund or we charged you in error.
• SMS allowance and credits: plans with customer SMS include a monthly allowance. SMS credits you buy are used only after that allowance runs out, one credit per SMS part, and a credit is returned if the message fails. Credits expire 365 days after they are added, including while you are on a plan without customer SMS, where they cannot be used. Credits are non-refundable (unless the law requires it or we charged you in error) and cannot be cashed out or transferred. Without allowance or credits, customer SMS are not sent; payments are never affected.
• Limits: when you reach a limit of your plan, the related action is unavailable until the limit resets or you upgrade. Limits apply per business, and opening additional accounts to get around a limit is not permitted.
• Taxes: subscription fees are exclusive of any applicable taxes such as VAT. Where tax must be charged, or you must withhold tax on a payment to us, that is handled in line with Nepali tax law, and we issue whatever invoice or tax document our registration status permits.

PayBridgeNP publishes a Model Context Protocol server. When you connect an AI assistant (Claude, ChatGPT, Cursor, etc.) using a token issued from your dashboard, you authorise that agent to act on your behalf within the scopes of the token.

• You are responsible for actions an authorised AI agent takes through your token, including refunds, payment-link creation, subscription changes, and any other write operation made available to your plan.
• Tokens can be revoked at any time from your dashboard. Revocation is immediate.
• Money-moving actions (refunds, voids, etc.) surface confirmation prompts in the agent's interface, but final responsibility for confirming or denying remains with the merchant operator running the agent.
• Don't share MCP tokens between humans or paste them into untrusted environments. Treat them like API keys.

PayBridgeNP sends transactional SMS and email on your behalf - payment receipts, refund confirmations, payment reminders, and similar transactional messages. By using the platform you agree:

• To use SMS and email only for legitimate transactional communication tied to a real payment relationship with the recipient. No marketing campaigns, broadcast messaging, or unsolicited outreach.
• That messages are subject to usage limits, and messages over a limit are not sent.
• That delivery of any individual message is not guaranteed.
• That you will not use the SMS history or email log to harvest customer contact data outside the purpose for which the customer provided it.

PayBridgeNP publishes official integrations for Shopify, WooCommerce, and WHMCS, plus first-party SDKs for TypeScript, PHP, Python, and mobile. Integrations are subject to their own platform rules in addition to these terms.

• Shopify - installation requires accepting the scopes the app declares. Uninstalling triggers Shopify's mandatory data-deletion webhooks, which PayBridgeNP honours.
• WooCommerce - distributed under GPL-2.0-or-later. Updates are delivered through the plugin distribution channel.
• WHMCS - distributed under GPL-2.0-or-later via direct download, GitHub Releases, and the WHMCS Marketplace. Updates are delivered through those channels and announced on the official documentation site.
• SDKs - distributed under MIT (TypeScript, PHP, Python). Mobile SDK is distributed under MIT via npm.

We aim for high reliability, but uptime is not guaranteed. Provider outages, bank downtime, network interruptions, or upstream API changes may affect payment processing, callbacks, or reconciliation. Live service status is published at status.paybridgenp.com, and material incidents are also communicated through the dashboard or direct outreach where appropriate.

We are not responsible for delays or failures caused by events beyond our reasonable control, including provider or bank outages, network or telecom failures, power cuts, natural disasters, strikes, or actions of a regulator or government.

We may restrict, suspend, or terminate access if we believe an account presents fraud, abuse, security, legal, or operational risk. Suspension may be triggered by repeated policy violations, misuse of the API, misleading checkout flows, or use in prohibited categories.

• Suspension may disable dashboard access, API access, and payments through PayBridgeNP. Contact support to find out why and to ask for a review.
• You may stop using the service at any time. Some records may still be retained after termination where needed for audit history, fraud prevention, dispute handling, or legal compliance.
• We may verify your business identity, and we may report suspicious activity and cooperate with lawful requests from courts, regulators, or law enforcement where required. Verification of your end customers is performed by your licensed provider, not by PayBridgeNP.
• Reinstatement is at PayBridgeNP's discretion and may require remediation of the underlying issue.

PayBridgeNP provides software and operational tooling for payment orchestration. We do not guarantee that every payment will succeed, that a provider will remain available, or that your business use will meet every commercial or regulatory requirement.

The service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement, to the maximum extent permitted by law.

To the maximum extent permitted by law, PayBridgeNP is not liable for indirect, incidental, special, consequential, or lost-profit damages, or for losses caused by merchant error, provider actions, customer disputes, bank restrictions, or third-party downtime. Our total liability relating to the service, except liability that cannot lawfully be limited, is limited to the fees for the service giving rise to the claim during the three months before the event, including the matching share of any annual fee paid in advance.

You agree to defend, indemnify, and hold PayBridgeNP harmless from any claim, demand, loss, or expense (including reasonable legal fees) arising from the products or services you sell, the content and communications you send through the platform, your breach of these terms or applicable law, or your misuse of the service. This does not apply to the extent a claim results from our own breach, negligence, or misconduct.

If something goes wrong, contact us at support@paybridgenp.com. We aim to acknowledge complaints within 3 business days and to resolve them within 15 business days, or to tell you why we need longer.

• Refunds are the merchant's decision. PayBridgeNP is not a party to the sale between a merchant and their customer. Buyers should request refunds or raise disputes about goods or services directly with the merchant they paid. Where a refund is due, the merchant initiates it from their dashboard where the provider supports refunds through PayBridgeNP; otherwise the merchant processes it with the provider directly and records it in PayBridgeNP. The money always returns through the original provider; PayBridgeNP never moves money itself.
• No chargeback mechanism at PayBridgeNP. PayBridgeNP does not operate a chargeback process. Whether a payment can be reversed or disputed is governed by the provider and payment method used (eSewa, Khalti, Fonepay, and where Khalti is paid by card, that card's issuer). Disputes about the movement of money are handled by the relevant provider under that provider's rules; a provider-side payment dispute may also be escalated to Nepal Rastra Bank through its public complaint portal (gunaso.nrb.org.np).
• Billing disputes. Questions about a PayBridgeNP plan or SMS credit charge should be raised with us within 30 days of the charge, and we will review it and correct any error we made.

These terms are between you and Nepali Mind Private Limited, Kathmandu, Nepal. They are governed by the laws of Nepal, and the courts of Kathmandu have exclusive jurisdiction over any dispute arising out of or relating to these terms or your use of PayBridgeNP, subject to any mandatory rights you have under applicable law.

We may update these terms as the product, our providers, and legal requirements change. When we make a material change, we will give notice by email or in the dashboard at least 15 days before it takes effect. The "Last updated" date at the top of this page always reflects the current version. Continued use of PayBridgeNP after a change takes effect means you accept the updated terms; if you do not agree, you may stop using the service before the effective date.

New accounts agree to the terms shown when they sign up. For existing accounts, a material change takes effect no earlier than 15 days after we notify you, and applies only to purchases made after that date.

• Entire agreement. These terms, together with the pages they link to (privacy, acceptable use, security, cookies, trademarks), are the entire agreement between you and PayBridgeNP for use of the service, and replace any earlier understanding on the same subject.
• Severability. If any part of these terms is found unenforceable, the rest stays in effect, and the unenforceable part is applied to the narrowest extent the law allows.
• No waiver. If we do not enforce a right or term immediately, that is not a waiver of it.
• Assignment. You may not transfer your account or these terms without our consent. We may assign these terms to a successor or affiliate, for example in a reorganisation.
• Survival. Sections that by their nature should continue after your account closes (including liability, indemnity, and governing law) survive termination.
• Licence to use. PayBridgeNP grants you a limited, non-exclusive, non-transferable right to use the platform under these terms. All rights in the software, APIs, and brand remain ours; see the trademarks page for permitted use of our name and logo.