Clear rules for using the platform.

You may use PayBridgeNP only for lawful business purposes and only in connection with products or services you are authorized 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 16 years old and able to enter into a binding contract to open an account, and the same applies to anyone using PayBridgeNP ID at checkout.

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 a technology and payment-orchestration provider. 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.

• Use only your own valid and authorized 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 and its disclosure and refund requirements where you sell to consumers.

PayBridgeNP is offered in three self-serve tiers (Free, Growth, Pro), plus a custom Enterprise plan for high-volume or multi-brand businesses. The current pricing and feature breakdown is published on the website and inside the dashboard /upgrade page; the rules below describe how the tiers work.

• Free: capped monthly processing volume, one project, one webhook endpoint, one active API key, and a 30-day list-endpoint retention window. Paid-tier features are visible but inactive; SMS is sandbox-only.
• Growth: everything in Free, plus recurring billing (subscriptions and invoices), payment links, payment buttons, a monthly allowance of live customer SMS receipts, additional projects and team seats, five webhook endpoints, five API keys, and 90-day retention.
• Pro: everything in Growth, plus a larger monthly SMS allowance, advanced analytics, webhook replay, audit logs, the Direct-QR API for Fonepay, MCP write access, a custom checkout domain, additional projects and team seats, unlimited webhook endpoints and API keys, and unlimited retention.
• Enterprise: a custom, sales-assisted plan for businesses processing large monthly volume or running several brands from one account. Includes unlimited volume, projects, and retention, a team and SMS allowance sized to your business, Fonepay Intent (bank-app checkout), and dedicated support. Contact us to discuss pricing.
• 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; 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 caps and feature limits then apply, and anything above those limits (for example additional projects, webhook endpoints, API keys, or list history beyond the Free retention window) becomes read-only or unavailable until you 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.
• SMS allowance enforcement: Growth and Pro each include a monthly allowance of live customer SMS receipts. Once an account reaches its allowance for the calendar month, further live SMS sends are suppressed and logged (not delivered) until the allowance resets; this never affects payment processing itself, only the customer SMS receipt.
• Enforcement: Free-tier limits are enforced server-side; once a cap is reached, the related action returns an error until the underlying state changes (volume resets monthly; webhooks and keys can be revoked to free up the slot). Growth and Pro volume bands are soft: exceeding them triggers a notice, not a block.
• Taxes: subscription fees are exclusive of any applicable taxes such as VAT. Where we must charge tax, or you must withhold tax on a payment to us, that is handled in line with Nepali tax law, and a tax invoice is available on request.

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 /mcp. 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 PayBridgeNP applies per-merchant rate limits (burst and recipient cooldown) to protect provider relationships and downstream cost. Messages exceeding limits are suppressed and logged.
• That delivery via the SMS provider (bulk.bedbyaspokhrel.com.np) and our email providers (MailerSend, with Resend as automatic backup) is not guaranteed for any individual message; delivery is best-effort.
• 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 via the WHMCS Marketplace. Updates are delivered through the Marketplace and 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.

• Suspended accounts have API keys returning 403, hosted checkout disabled, and dashboard access read-only with the suspension reason surfaced. The merchant is notified by email.
• 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 is limited to the amount you paid us for the specific service giving rise to the claim during the three months before the event.

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.

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 issues it from their dashboard and the money is returned through the original provider.
• No card-style chargeback. Payments run through eSewa, Khalti, and Fonepay, not card networks, so there is no automatic chargeback mechanism. 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 your own PayBridgeNP subscription charge should be raised with us within 30 days of the charge, and we will review and correct any genuine error.

These terms are between you and PayBridgeNP, operated from 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.

• 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.