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Yuva Pay - Unique Features:

Yuva Pay blends cutting edge technology with high level AI security to provide a state of the art application.

Multi-Payment Option

India's First Financial Inclusion Mobile Payment Solution which offers a fully functional offline mobile payment solution with a wallet and BHIM UPI features

Highly Secured

End to End Encryption with Multi-factor authentication which prevents hacking and Enables Privacy Protection

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A simpler and faster payment solution to pay at nearby stores with Offline QR Code

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Enable Seamless Transactions till the last mile.

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Works on both Internet and No-Internet Zone, where users do not need to depend on Internet Bandwidth (2G/3G/4G) for Digital Payment.

Device Independent

Works on Both Smart & Feature phones, where users only need access to a mobile network to complete the transactions.

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User-Friendly, Multilingual, Single Click, Hassle Free.

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Send and Receive money instantly without internet*. Send money to anyone with mobile wallet or bank account.

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Shop and pay without internet* using Scan & Pay at merchant place with QR code.

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PAY

Pay your bills, utilities and more, free of charge and receive instant notification with receipts.

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Receive bill Amount from your customers through Yuva Pay and go digital.

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Let's get in touch:

Yuva Pay Support

Email: support@yuvapay.com Phone: 080 6191 4400 (09:00 AM to 06:00 PM - Sunday Holiday)

Yes Bank Support

Email: yuvapay.support@yesbank.in Phone: 1800 103 5485 1800 3000 1113

BHIM-UPI Grievance Redressal

Click to reach NPCI Grievance Redressal Cell Click to reach Yes Bank Grievance Redressal Cell

Policies - Terms & Conditions - FAQs

Privacy Policy

PRIVACY POLICY

Overview

https://www.yuvapay.com/, https://www.udmatech.com (“our”, “us”, “we”, “Website or Mobile Website”, “YuvaPay”, “YuvaPay’s mobile applications or App or Services”), owned, developed and operated by UDMA Technologies Private Limited, a company incorporated under the Companies Act, 1956 with its registered office at #365/1, 52 Heroor Village Brahmavar Post, Udupi District, Karnataka -576 213 India, is committed to the protection of Information provided by the users (“you”, “your”, “users”) to us. You agree that your use of YuvaPay’s services or our interface implies your consent to the collection and use of your Information in accordance with the terms of this Privacy Policy (“Privacy Policy”).

We take the privacy of our users seriously and that’s why we follow the highest standards for secure transactions. We are committed to safeguarding the privacy of our users while providing a personalized and valuable service. In addition to this Privacy Policy, we have taken the following steps to further safeguard your privacy:

I. General

YuvaPay has established a set of “Binding Corporate Rules”. These Binding Corporate Rules are a commitment by YuvaPay to protect your Information regardless of where the data resides. Depending upon where you live, the Binding Corporate Rules may provide additional privacy rights through your local privacy regulator or government. For more information about our Binding Corporate Rules, including information on how to contact us for any clarifications, please write to support@YuvaPay.com

By visiting our Websites, downloading the YuvaPay app or providing your personal information to one of our call-center operators or live chat representatives or signing up or logging in you are accepting and consenting to the practices described in this policy. Please note that this includes consenting to the processing of any personal information you provide, as described below.

Please review this Privacy Policy carefully. By using our Services, you consent to the use and sharing of your personal information as described in this Privacy Policy. IF YOU DO NOT AGREE WITH THESE PRACTICES, PLEASE DO NOT USE THE SERVICES, OR OTHERWISE PROVIDE US WITH YOUR PERSONAL INFORMATION.

II. Information Collected

A. Traffic Data Collected

We automatically track and collect the following categories of information when you use our Services:

1. IP addresses;
2. Domain servers;
3. Types of computers and Mobile Phones accessing the Website and App;
4. Types of web browsers used to access the Website and App;
5. Referring source which may have sent you to the Website/App; and
6. Other information associated with the interaction of your browser, App and the Website (collectively “Traffic Data”).

B. Information Collected from You

In order for you to access certain areas of the App, we may require you to provide us with certain information (“Personal Information”). Personal Information includes the following information:

1. Your full name, address, e-mail address, telephone number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request;
2. Details of any transactions you carry out through our App using your YuvaPay account and of the fulfillment of your requests;
3. Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, Transaction Authentication Number “TAN” and password, available balance and transaction history of your bank/wallet account), ITR, Tax certificates or any other income documents as necessary by us;
4. Details of any credit, debit or other card used by you for transactions;
5. Your participation in any promotion sponsored by us;
6. Correspondence that you send us;
7. Calls that we make to you or you make to us;
8. Surveys that you complete through the App or based on our request;
9. Information collected through cookies. Please see Paragraph I (Cookies) of this Privacy Policy for more details;
10. Your IP address, log-in times, operating system, device ID and browser type; and
11. Details of your visits to our App are including, but not limited to, Traffic Data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that you access whilst visiting our App.

In order to fulfill our legal obligations to prevent fraud and money laundering, we will obtain information about you from third party agencies (“Third Party Information”), including your financial history, court judgments and bankruptcies, from credit reference and fraud prevention agencies when you open a Yavapay account and at any time when we feel it is necessary to prevent fraud and minimize our financial risks. Please refer to Paragraph VIII (Anti-Money Laundering Policy) of this Privacy Policy for further details.

Personal Information and Third Party Information are collectively referred to as “Information”.

III. Use and Storage of Information

We use your Information for the following purposes:

1. To operate and administer your YuvaPay account and to provide services that you have requested;
2. To carry out your instructions to make and receive payments and undertake transactions using our services, including verifying that you have sufficient funds in your YuvaPay wallet to make such payments;
3. To allow you to participate in interactive features of the App;
4. To notify you about changes to our Services;
5. To improve our internal customer training,
6. To comply with financial services regulations including retention of financial information and transactions;
7. For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks;
8. For customer service, including answering questions and responding to feedback and complaints;
9. To enhance the security of our Services;
10. To ensure that content on our App is presented in the most effective manner for you and for your mobile; and
11. To provide you with information, products or services that you request from us or which we feel may interest you.

IV. Retention of Data.

We are required under applicable laws to retain certain records for a period of at least 7 (Seven) years after closure of your YuvaPay account, which will include your personal data such as your name, contact details, customer number and transaction history, etc. (“Retained Data”). Other than the Retained Data, we will delete and destroy all Personal Information that we hold about you when you (or we) terminate your YuvaPay account.

1. Please note that we do not store your online banking login PIN and/or password.
2. Please note that we will not store your debit card or credit card information.
3. Please note that we will never ask you to disclose your personal or security details by e-mail. If you receive any e-mail purportedly from YuvaPay requesting your personal or security details, please do not respond to it (“Such E-mail”) and report the same to support@YuvaPay.com.

V. Disclosure of Information

1. We do not disclose your Information to any third parties other than the Yuva pay’s affiliates and the following:
2. a prospective buyer of our business or a buyer of a substantial number of the shares in our business;
3. the police, other lawful enforcement body, regulatory body or court if we are under a duty or required by law to disclose or share your personal data, or to protect the rights, property, or safety of ourselves or our group companies, our customers, or others;
4. Financial institutions with whom we partner to jointly provide better services, facilities or products to you. These financial institutions may only use your information for providing to you their services and market YuvaPay related products without requiring your further consent.
5. Third parties where you have expressed an interest in receiving information about their goods and services;
6. We also use Information in aggregate form (so that no individual user is identified):
a) To aid strategic development;
b) To audit usage of the App
7. We reserve the right to disclose Information if required to do so by law or if we believe that it is necessary to do so to protect and defend the rights, property or personal safety of the App, or its users.

VI. Fraud Prevention

When you open a YuvaPay account, at intervals of up to every 3 (three) months and at any other time we feel it is necessary to do so to protect our financial interests and prevent money-laundering or fraud, we share certain information about you and your YuvaPay account, financial history and transactions as part of our normal business operations with banks, payment facilitator partners, credit/debit card processing services, identity verification service providers and credit reference agencies (including, but not limited to) to identify and verify users, to limit our exposure to fraud and other criminal activities and to manage our financial risk. When conducting identification or fraud prevention checks, the relevant parties may retain a record of our query along with your information and may share this information with other fraud prevention agencies.

VII. Anti-Money Laundering Policy

In order to comply with anti-money laundering laws that exist in various jurisdictions especially India, we reserve the right to report suspicious transactions to central, state or local authorities and law enforcement agencies within those jurisdictions. In exchange for us permitting you to participate in, use and access our App and services you hereby grant us the right to report any transactions which we deem suspicious, as determined solely by YuvaPay acting in its sole discretion. Examples of a suspicious transaction include but are not limited to use of funds suspected to be derived from illegal activities, any suspected intention to conceal or disguise funds derived from illegal activities, or suspicion that the involvement of our App and services is in any manner intended to facilitate criminal activity. If for any reason we are of the belief or become aware of any transaction which we deem suspicious in nature, we may without prior notice or explanation to you take the following actions, which are in addition to all other rights and remedies available to us under this Privacy Policy, at law or in equity:

1. report such transaction to the applicable central, state, provincial or local authorities and law enforcement agencies;
2. de-activate or terminate your YuvaPay account forthwith;
3. withhold any funds held in your YuvaPay wallet; and/or
4. restrict you from registering a YuvaPay account on or with our App or any of our affiliated websites.

VIII. Communications

1. We may contact you via the e-mail address and phone number registered with your YuvaPay account. You may also receive system-generated transactional e-mails such as confirmations, notification of receipt of payments, notification of password changes etc. which are necessary for the proper operation and administration of your YuvaPay account. You expressly consent to receive such communications from us, irrespective of whether your phone number is registered on the National Do Not Call Registry.
2. As a YuvaPay account holder, you will occasionally receive information by e-mail from us, unless you have expressly chosen not to receive such communication, about products, services and special deals which we think will be of interest to you via our newsletter. You can change whether or not you receive newsletters from us. However please note that you will still receive communication regarding your YuvaPay account such as transactional e-mails or other notifications affecting the operation of your YuvaPay account or our legal relationship.

IX. Links to Our Website and to Other Websites

1. Our App and/or Website may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own terms of use and privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites. Please also note that the products and services offered on these websites may be limited to persons located or residing in only that particular jurisdiction. In addition, the content on these linked websites may not be intended for persons located or residing in jurisdictions that restrict the distribution of such content.

X. Cookies

1. “Cookies” are small computer or mobile files that are transferred to your mobile’s hard drive that contain information such as user ID, user preferences, lists of pages visited and activities conducted while browsing the App. At your option, expense and responsibility, you may block cookies or delete cookies from your hard drive of your computer or mobile phone. However, by disabling cookies, you may not have access to the entire set of features of the App.
2. Generally, we use Cookies to customize your experience on our App and to store your password so you do not have to re-enter it each time you visit the App.
3. In addition, our business partners may use Cookies to provide us with anonymous data and information regarding the use of our App. Specifically, some of our business partners use Cookies to show the App’s ads on other websites on the internet as a result of you using the App. Such Cookies do not contain any Information. You may opt out of receiving Cookies placed by such third party vendors by visiting the opt-out page or please click on the unsubscribe button on the mailers.
4. Other Cookies used by our business partners may collect other non-personally identifying information, such as the Mobile or computer’s IP address, type of operating system, type of internet browsing software, what web pages were viewed at what time, the geographic location of your internet service provider and demographic information, such as gender and age range. This information is used to provide the App with more information about our user’s demographics and internet behaviors. You may find out more about the information collected and how to opt-out of receiving these Cookies by visiting our partner’s website.
5. We do not link the information stored in these Cookies directly to any of your Information you submit while on the App.
6. In order to comply with legislation, we have reviewed the use of Cookies on our App and set out the information below. This is to ensure that you are aware of these cookies and are able to give your consent for the placing of some or all of these cookies on your device when you use our App. In summary, we use the following types of cookies:

a) Strictly Necessary Cookies

These are cookies which are essential for our App to operate such as those which identify you so you can log into your YuvaPay account. They allow you to move around our App and use the services you have requested. These Cookies will be activated when you enter our App and as you use our App.

b) Compliance Cookies

These include Cookies which are necessary to assist in meeting our regulatory compliance obligations, such as anti-money laundering and anti-fraud obligations, and prevent your YuvaPay account from being hijacked. These cookies will be activated when you enter our App and as you use our App.

c) Performance Cookies

These are Cookies that help us to improve how our App works and to deliver a better service to you. For example, they will assess which pages you visit most often or if you get an error message. They also allow us to see if you have used the App of one of our group or affiliated companies. All information collected by these Cookies is aggregated and is therefore anonymous.

d) Functionality Cookies

These Cookies allow us to deliver a more personalized service to you and allow our App to remember choices you have made such as the language you prefer or the region you are in. They may also be used to provide services you have requested such as being able to comment on one of our blogs.

e) Third Party Cookies

When you visit a page on our Website or App with content embedded from third parties, for example, YouTube or Twitter, Cookies may be downloaded onto your device. We do not set or control these Cookies. If you are concerned about the types of Cookies that may be downloaded you check the third party websites for more information about these Cookies.

We may use other Cookies from time to time in accordance with this Privacy Policy. By using our App and other online services, you acknowledge that we may use some or all of the Cookies set out in this Privacy Policy and you agree that we can place performance and functionality Cookies on your mobile device when you use our App. If you do not agree to this you should cease using our App and online services.

f) Blocking Cookies

Should you want to continue using our services but restrict our use of Cookies, you can block Cookies by activating the setting on your App which allows you to refuse the setting of all or some cookies. However, if you use your App settings to block all Cookies (including Strictly Necessary and/or Compliance Cookies, as described above) you may not be able to access all or parts of our App. Our App may issue some of the Cookies described above as soon as you visit our App unless you have adjusted your App setting so that it will refuse Cookies.

XI. App Analytics

We may use third party analytics services in connection with the App. These App analytics services do not collect information that you do not voluntarily enter into the App. We are using the information collected from these services to find usability problems to make the App easier to use. The recordings will never identify you or your account.

XII. Security Checks, Review and Releases

To maintain a high level of security, we reserve the right to conduct a security review at any time to validate your identity, verify your financial transactions and further document your consent to this Agreement. To facilitate these security checks, you agree to provide such identification or other information or documentation as we, in our sole and unfettered discretion, deem necessary. If you fail to comply with any security request, we reserve the right to void your YuvaPay account. You will be notified of such verification request by e-mail or telephone and your YuvaPay account balances will be forfeited if you fail to provide us with such requested documentation and information within the time period reasonably specified by us. Such request for documentation and information may include a sworn affidavit of identity and eligibility, release of liability in favor of us and publicity authorization.

XIII. User Choice

You may choose not to provide us with any Information while accessing the App. In such an event, you can still access much of the App; however you will not be able to access and use those portions of the App that require your Information.

XIV. Confidentiality and Security

Except as otherwise provided in this Privacy Policy, we will keep your Information private and will not share it with third parties, unless we believe in good faith that disclosure of your Information or any other information we collect about you is necessary to:

1. comply with a court order or other legal process;
2. Protect the rights, property or safety of YuvaPay or another party.
3. Enforce our Terms and Conditions or
4. Respond to claims that any posting or other content violates the rights of third parties.

XV. Security

We are committed to ensuring that your Information is secure. To prevent unauthorized access or disclosure of Information we have physical, electronic and managerial procedures in place to keep your information safe. Once logged into your YuvaPay account, all internet communication is secured using Transport Layer Security (TLS) technology and the connection is encrypted and authenticated. However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your YuvaPay account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time once you are logged on. Although we make good faith efforts to store Information in a secure operating environment that is not open to the public, you should understand that there is no such thing as complete security, and we do not guarantee that there will be no unintended disclosures of your Information. If we become aware that your Information has been disclosed in a manner not in accordance with this Privacy Policy, we will use reasonable efforts to notify you of the nature and extent of the disclosure (to the extent we know that information) as soon as reasonably possible and as permitted by law.

XVI. Updates and Changes to Privacy Policy

We reserve the right, at any time, to add to, change, update, or modify this Privacy Policy so please review it frequently. If we do, then we will notify you by posting a notice on our App and, where appropriate, a link to the modified policy so that you can review it. In all cases, use of Information we collect is subject to the Privacy Policy in effect at the time such information is collected.

XVII. Restriction of Liability

1. We make no claims, promises or guarantees about the accuracy, completeness, or adequacy of the contents of the App and expressly disclaim liability for errors and omissions in the contents of the App.
2. No warranty of any kind, implied, expressed or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from virus, is given with respect to the contents of the App or its hyperlinks to other internet resources.
3. Reference in the App to any specific commercial products, processes, or services, or the use of any trade, firm or corporation name is for the information and convenience of the public, and does not constitute endorsement, recommendation, or favoring by us.
4. The contents of the App are under copyright of their original author(s) unless otherwise noted on the page itself.

Refund Policy

Terms & Conditions - Yes Bank

TERMS & CONDITIONS - YES BANK

Most Important “Terms and Conditions” for YES BANK Prepaid Instruments

1. Definitions:

Prepaid Instrument (PPIs): PPIs (Card/wallet) are payment instruments that facilitate purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments.

Know your Customer (KYC): The guidelines adopted by the Bank to identity the customer and verify the identity of the customer.

Personal Identification Number (PIN): PIN is a numeric password which is part of the kit handed over to customer by the bank while issuing the PPI.

Holder: Individuals/Organizations who obtain/purchase PPIs from Bank and use the same for purchase of goods and services, including financial services, remittance facilities etc. against the value stored on such instruments.

2. Obligation of the Prepaid Customer who purchases Prepaid Instrument from the Bank:

a. Prepaid Instrument (PPI) shall be issued to a Customer at the sole discretion of the Bank post complying with “Know Your Customer” guidelines.
b. The Bank shall levy fees for issuance/usage of the Prepaid Instrument as per Schedule of Charges displayed on Bank/Partner website and available on website “Terms & Conditions”.
c. The Bank shall issue a PIN to Customer for operating the PPI. The Customer shall take reasonable precaution to prevent misuse of the PIN. The Customer shall be solely responsible for any consequences arising directly or indirectly out of the disclosure of the PIN and/or unauthorized use of PPI as a result of any misuse for want of reasonable care and precaution. The Customer disclaims liability of the Bank for any unauthorized use of Prepaid Instrument and for any loss or damage incurred directly or indirectly as a result of such misuse.
d. The Customer shall be responsible for safe custody of the Prepaid Instrument. In case of loss or theft of the Prepaid Instrument or misuse of the Instrument, the Customer shall immediately inform any of the branches /contact center of Bank. Customer shall be responsible and liable for all unauthorized transactions till the customer reports the unauthorized transaction to the Bank. A new Instrument shall be issued to the Customer, in lieu of lost/stolen PPI upon request in writing and payment of applicable fee as per the Schedule of Charges.
e. The PPI can be used at any of the YES BANK ATMs or network ATMs for permitted transactions depending on the type and features of the PPI. The charge slip dispensed by the ATM during usage of the PPI shall not be construed as an evidence of the transaction. The records of transactions maintained by the Bank shall be conclusive and binding for all purpose.
f. The Bank shall not pay any interest on the balance outstanding in the Prepaid Instrument at any point in time.
g. The Bank will intimate the Customer through a SMS on the regd. mobile number, 45 days prior to expiry of validity period of the PPI. Customer needs to utilize the balance amount prior to expiry of the instrument. In case Customer does not utilize the balance amount within the validity period, the Customer can approach the bank for refund/transfer of outstanding balance. In case the Customer does not approach the bank within a specified period as prescribed by regulator, the outstanding balance will be transferred to a fund in compliance with the regulatory guidelines.
h. Any claim for compensation made by the customer shall be settled purely as per the provisions of the Compensation Policy of the Bank.
i. All card holders will be covered under Customer liability policy of YES BANK. For more details on customer liability policy please refer to Bank’s website at www.yesbank.in

3. Confidentiality:

The Customer hereto shall keep strictly confidential all information including but not limited to that which may be disclosed or confided to it by the other in the course of the performance of the obligations under this ‘“Terms and Conditions”’. Neither the Customer nor YES BANK shall disclose the same to any third party without prior approval of the other party. This clause shall survive the termination of PPI issued by YES BANK. The following are the exceptions to this clause:
a. information already in public domain;
b. such information as is required to be disclosed by the disclosing party under any laws, rules or regulations or pursuant to the order or direction, of any Court, authority, tribunal or forum.

4. Change in information:

The Customer shall also inform YES BANK/Partner of any change in the Customers mailing address. Further, the Customer shall also inform YES BANK about any change in the details such as name, telephone number, or mobile number.

5. Prohibition against assignment:

The functions, rights or obligations under these ‘“Terms and Conditions”’ shall not be assigned or delegated to any party or person by the Customer without the express prior written consent of YES BANK. Any purported assignment or delegation in contravention of the terms of the ‘“Terms and Conditions”’ shall be null and void.

6. Suspension or Termination or Cancellation or discontinuance of the PPI:

YES BANK may, if it is satisfied that it is necessary so to do, at any time and on such conditions as it thinks fit, suspend or deny or terminate the PPI under the following circumstances:
(i) In the event of the Customer being declared insolvent or in the event YES BANK receives any notice/intimation about the death of the Customer;
(ii) In the event of the Customer committing breach of any of the terms, conditions, stipulations or its obligations under these ‘“Terms and Conditions”’
(iii) In the event of any restriction imposed on the Customer by an order issued by any regulatory authority or a Court in India or any investigating agency.

7. Indemnity:

The Customer shall indemnify and keep YES BANK, its directors, officers, employees and agents indemnified of, from and against any cost, expenses, charges, which YES BANK is required to incur or has incurred to defend any such claim, suit, demand, prosecution, proceedings, due to any act of omission or commission, fraud, negligence or default on the part of the Customer as a holder of the PPI.

8. Force Majeure:

Notwithstanding anything contained herein, YES BANK shall not be liable to the Customer for any harm, loss, damage or injury caused due to causes beyond its control such as tide, storm, cyclone, flood, lightning, earthquake, fire, blast, explosion or any other act of God, war, rebellion, revolution, insurrection, embargo or sanction, blockade, riot, civil commotion, labor action or unrest including strike, lock-out or boycott, interruption or failure of any utility service, enemy action, criminal conspiracy, act of terrorism or vandalism, sabotage, hacking, unanticipated technological or natural interference or intrusion, loss or damage to satellites, loss of satellite linkage or any other data communications linkage, loss of connectivity or any other irresistible force or compulsion.

9. Service of Notice:

Any notice or communication required to be given under this ‘“Terms and Conditions”’ shall not be binding unless the same is in writing and shall have been served by hand delivery against acknowledgement or by registered post at the Registered Office address of YES BANK Limited (in case a notice is to be served to YES BANK) and to address recorded with YES BANK in case notice is to be served to the Customer.

10. Contact Centre details:

In case of any queries, please call toll free number 1800 3000 1113. You can also write to yuvapay.support@yesbank.in. Details can be found on www.yesbank.in

11. Grievance Redressal:

Any complaint, dispute, grievance would be addressed to YES BANK in accordance with the Banks Grievance Redressal policy.
• In case resolution provided does not meet your expectations, user can approach Grievance Redressal Officer at head.grievanceredressal@yesbank.in. If resolution provided by Grievance Redressal Officer is not satisfactory user can approach Principal Nodal Officer at principal.nodalofficer@yesbank.in For more details on Grievance Redressal policy, please refer to YES BANK website - https://www.yesbank.in/pdf/grievanceredressal_pdf
• The User is hereby informed that YES BANK is covered under the Banking Ombudsman Scheme, 2006 of the Reserve Bank of India. Under this scheme, any grievance against the Bank, if not addressed within 30 days can be addressed to the Banking Ombudsman of the concerned city. Please follow the below link for contact details: https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=164

12. Governing Language:

All deeds, documents and writings that may be executed and all correspondence that may be exchanged between the Customer and YES BANK hereto in relation to the subject matter of this ‘“Terms and Conditions”’ shall be in English language, which shall be the governing language between the Customer and YES BANK hereto.

13. Governing Law and Jurisdiction:

The use of PPI by the Customer shall be governed in all respects by the laws in force in India. The Customer agrees to submit to the exclusive jurisdiction of the courts in Mumbai. These ‘“Terms and Conditions”’ shall be subject to Government notifications, any rules, regulations, guidelines and circulars/notices issued by YES BANK and rules, regulations, bye Laws, Operating Instructions and circulars/communiqués/notices issued by the regulator.

14. Change of “Terms and Conditions”:

YES BANK reserves the right, in its sole and absolute discretion to amend, delete, modify, vary, or supplement any of the “Terms and Conditions” at any time and will endeavor to give prior notice of seven days for such changes.

15
Please refer exhaustive “Terms and Conditions” displayed on website of YES BANK for the latest comprehensive applicable “Terms and Conditions”. The customer shall be deemed to have read and understood the exhaustive “Terms and Conditions” while dealing with YES BANK.

Terms & Conditions - Wallet - English

Terms & Conditions - Wallet - Hindi
Terms & Conditions - Wallet - Gujarathi
Terms & Conditions - Wallet - Marathi
Terms & Conditions - Wallet - Punjabi
Terms & Conditions - Wallet - Tamil
Terms & Conditions - Wallet - Telugu

Terms & Conditions - UPI
TERMS & CONDITIONS: YUVA PAY - YES BANK - NPCI BHIM UPI
What is NPCI?

NPCI is an authorized payment system operator by RBI. NPCI owns and operates UPI payment system.

What is PSP bank?

PSP is the banking company authorized to act as a Payment Service Provider (PSP) under the UPI framework. PSP engages the TPAP to provide UPI services to the end-user customers.

What is TPAPs?

Third Party Application Provider (TPAP) is an entity that provides the UPI compliant app(s) to the end-user customers to facilitate UPI based payment transactions.

What is Customer’s Bank?

The Bank where the end-user customer maintains his/her account that has been linked for the purpose of debiting/crediting the payment transactions made through UPI.

Who is End User Customer?

The end-user customer is the individual who uses UPI payment facility to send and receive payments.

We hereby confirm that:

We YUVA PAY are a TPAP authorized by NPCI to facilitate payments through PSP Bank namely YES BANK. We are a service provider and we participate in UPI through the PSP Bank.

We are bound by the tripartite agreement entered with the sponsor PSP Bank YES BANK and NPCI. We are responsible for facilitating grievances / complaints resolution of the customers on-boarded on our UPI application.

We shall be the first point of contact for all UPI related grievances/complaints for customers on-boarded by us. In case the complaint/grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where you maintain the account) and NPCI in the same order. After exercising these options you can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

Roles & Responsibilities of NPCI

NPCI owns and operates the Unified Payments Interface (UPI) platform.

NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.

NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI.

NPCI provides a safe, secure and efficient UPI system and network.

NPCI provides online transaction routing, processing and settlement services to members participating in UPI.

NPCI can, either directly or through a third party, conduct audit on UPI participants and call for data, information and records, in relation to their participation in UPI.

NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

Roles & responsibilities of PSP Bank

PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments

PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.

PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app.

PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers.

PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform.

PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security.

PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.

PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.

PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer.

Roles & responsibilities of TPAP

TPAP is a service provider and participates in UPI through PSP Bank.

TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.

TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform.

TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard.

TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India.

TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI.

TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

Dispute Redressal Mechanism

Every end-user customer can raise a complaint with respect to a UPI transaction, on the PSP app / TPAP app.

End-user customer can select the relevant UPI transaction and raise a complaint in relation thereto.

A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances / complaints of the end-user customers on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app). In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions.

The end-user customer shall be kept communicated by the PSP / TPAP by means of updating the status of such end-user customer’s complaint on the relevant app itself.

BHIM UPI - Disclaimer of Liability

YUVA PAY/YES BANK/NPCI does not hold out any warranty and makes no representation about the quality of the UPI Services or YUVA PAY application. The User agrees and acknowledges that YUVA PAY/YES BANK/NPCI shall not be liable and shall in no way be held responsible for any damages whatsoever whether such damages are direct, indirect, incidental or consequential and irrespective of whether any claim is based on loss of revenue, interruption of business, transaction carried out by the User, information provided or disclosed by Issuer Bank regarding User’s Account(s) or any loss of any character or nature whatsoever and whether sustained by the User or by any other person. While YUVA PAY/YES BANK/NPCI shall endeavour to promptly execute and process the transactions as instructed to be made by the User, YUVA PAY/YES BANK/NPCI shall not be responsible for any interruptions, non-response or delay in responding due to any reason whatsoever, including due to failure of operational systems or any requirement of law.

YUVA PAY/YES BANK/NPCI shall not be liable for any loss, claim or damage suffered by the User and/or any other third party arising out of or resulting from failure of any transaction initiated via YUVA PAY App on account of time out transaction i.e. where no response is received from NPCI or the beneficiary bank to the transaction request. YUVA PAY/YES BANK/NPCI or the beneficiary Bank shall also not be liable for any loss, damage and/or claim arising out of or resulting from wrong beneficiary details, mobile number and/or account details being provided by the User.

YUVA PAY/YES BANK/NPCI shall not be responsible for any electronic or mechanical defect, data failure or corruption, viruses and bugs or related problems that may be attributable to User telecommunication equipment and/or the Services provided by any Service Provider. For the protection of both the parties, and as a tool to correct misunderstandings, the User understands, agrees and authorises YUVA PAY/YES BANK/NPCI, at its discretion, and without further prior notice to the User, to monitor and record any or all telephone conversations or electronic communications between the User and YUVA PAY/YES BANK/NPCI.

YUVA PAY/YES BANK/NPCI expressly disclaims all warranties of any kind, whether express or implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, data accuracy and completeness, and any warranties relating to non-infringement in the UPI Facility.

The rights granted to a User are “limited, non-exclusive, non-transferable, non-sub licensable”. User should not (i) indulge into any “modification, adaptation, improvement, enhancement, translation or derivative work” of the YUVA PAY App (ii)“decompile, reverse engineer, copy, disassemble, and attempt to derive the source code of, or decrypt the Application.” (iii) Remove or alter any propriety notices, legends, symbols or labels in the App, including, but not limited to any trademark, logo or copyright (iv) User agrees that all ownership of the App including all relevant intellectual property rights shall remain with YUVA PAY/YES BANK/NPCI. Any breach of these stated terms shall entitle YUVA PAY/YES BANK/NPCI to seek appropriate legal actions against the User as it shall deem fit and appropriate, including and not restricting the right to disable the Application.

YUVA PAY/YES BANK/NPCI reserves the right to change/modify the terms and conditions at any time without prior notice, In the event that any changes are made, the revised terms and conditions shall be updated on this Application and on YUVA PAY/YES BANK/NPCI website. User agrees to abide by the most recent version of this Terms each time the User uses YUVA PAY App.

YUVA PAY has absolute right to grant access to the User to use the Application and user agrees and consents that the user shall not engage in any activity that shall interfere with or disrupts the Application. In the event of any misuse of the Application by user; YUVA PAY/YES BANK/NPCI shall have sole and absolute discretion to take suitable action against the user, including and not restricting YUVA PAY/YES BANK/NPCI’s right to seek appropriate legal remedies at the users cost and expenses. Further, nothing herein shall restrict YUVA PAY/YES BANK/NPCI’s right to delete / block / blacklist / prohibit creation of such VPA’s which in YUVA PAY/YES BANK/NPCI’s sole and absolute discretion are misleading and/or likely to create confusion.
Terms & Conditions - Prepaid Cards
Terms & Conditions - Personal Accident Insurance
Terms & Conditions - Hospital Daily Cash Insurance
Insurance Policy Wordings - Group Safeguard Insurance
Karnataka GP Payments

Karnataka GP Payments

Karnataka GP Payments

Yuva Pay providing a platform through which Karnataka State Gram Panchayath (GP)s’ Property Owners can pay their property tax, water bill etc. to their respective Gram Panchayaths through Yes Bank. From the point at which you make your payment, we act solely as an intermediary between you and GP and Yes Bank, we take responsibility of transmitting the details of your payment and sending you a confirmation SMS for and on behalf of GP and Yes Bank.

When rendering our services, the information that we use is based on the information that you provide us. Although we will use reasonable skill and care in performing our services we will not verify if, and cannot guarantee that, all information is accurate, complete or correct, nor can we be held responsible for any errors (including manifest and typographical errors), any interruptions (whether due to any [temporary and/or partial] breakdown, repair, upgrade or maintenance of our website or otherwise), inaccurate, misleading or untrue information.

Payment Methods:

You can make GP payment using BHIM UPI, Debit Card, Credit Card and Yuva Pay Wallet in Smart Phone or using preloaded Wallet in feature phone (Offline Transaction).

Please check the payments details, periods of payment thoroughly before making any payment.

Each customer remains responsible at all times for the accuracy, completeness and correctness of the information (including the mobile number and information provided for billing purposes). In case of any dispute in the property tax, water bill and other values calculated by the app, the decision of the Gram Panchayath will be final and binding to the Property Owner.

Privacy Policy:

We respect your privacy. Yuva Pay does not retain any Debit card/Credit card information. We will never disclose your personal information to third parties without your consent except as required by law.

Our goal in handling personal information provided to us is to comply with applicable privacy laws in India and to offer users of our Website notice, choice, consent, security, data integrity, access, and enforcement with regard to personal information.

We collect personal information on a voluntary basis. Such personal information may include your mobile number and name during registration in the Yuva Pay app. We do not sell, transmit or disclose to any other third party the information that we collect on Yuva Pay.

Customer Support:

If you would like to contact us with questions or comments regarding our service or if you feel your inquiry or request has not been addressed to your satisfaction, please contact us at support@yuvapay.com or call us on 080 61914400.
Terms & Conditions - Reward Points Offers
Terms & Conditions - Subscription Offers

FAQs - General

FAQs - BHIM UPI
FAQs - BHIM UPI
FREQUENTLY ASKED QUESTIONS - Click on the question to view the Answer

Most Popular Queries

A. Unable To Login/Use Yuva Pay

What is the Yuva Pay App?

Mobile Verification fails occur due to the following reasons:

App is unable to send SMS.

Network connection is not working

Fix: Kindly ensure network connectivity (Mobile Data switched on and Flight Mode turned off) and in case the above issues are not applicable, kindly upgrade the app to latest version from Playstore/Appstore and try again.

Why Does Yuva Pay Show “SMS Sending Failed” While Mobile Registration?

Kindly ensure network connectivity (Mobile Data switched on and Flight Mode turned off)

You should have sufficient balance to send an SMS for registration. SMS fee may change according to your Telecom Service Provider.

Please ensure that you’re not switching screens (switching between different applications) in between the process of registration, doing so would automatically expire your session.

Why Am I Not Able To Login To My Yuva Pay App Even After Entering My Passcode?

Kindly ensure network connectivity (Mobile Data switched on and Flight Mode turned off).

Kindly ensure that you’re entering your correct passcode. In case you don’t remember your passcode, click on “Forgot Passcode” option from the passcode screen.

B. Unable To See My Bank While Linking Account

Why Am I Not Able To See My Bank While Linking My Account?

You will be able to see your Bank while linking account only if it is live on BHIM-UPI. Kindly click on the link to see if your Bank is live on BHIM-UPI – https://www.bhimupi.org.in/our-partners

What Does “Unable To Fetch A/C” Or “Account Does Not Exist” Mean?

If your Yuva Pay app says “Unable to fetch A/c”, kindly wait for few minutes and try again later as the bank maybe offline.

In case you’re trying to link a Minor A/c or Joint A/c, the bank wouldn’t allow you to add that particular account on Yuva Pay. Kindly check with your Bank for the same.

In case you are trying to link an account type not supported by your Bank’s internal policy (Minor, Joint, Dormant A/c etc.), kindly contact your bank.

If your Yuva Pay app says “Account does not exist”, ensure that you’ve selected the correct Bank A/c and that you’ve linked your mobile number to that Bank account.

In case of Dual SIM, kindly ensure that you’ve selected the correct SIM to which you’ve linked your bank account.

C. Unable To Add/Change/Remove Bank Account

I Am Not Able To Change My Bank Account On Yuva Pay.

Login to Yuva Pay App -> Click on Bank Account You will be shown the accounts you’ve linked on Yuva Pay below which you can click on “Make Default” to change your default account.

I Am Not Able To Remove My Bank Account From Yuva Pay

Login to Yuva Pay App -> Click on Bank Account You will be shown the accounts you’ve linked on Yuva Pay below which you can click on “Remove” to remove your that particular account from Yuva Pay.

How Many Bank Accounts Can I Link On Yuva Pay?

You can add up to 5 accounts on Yuva Pay.

D. Unable To Set/Change UPI Pin

I Am Not Able To Set My UPI Pin. What Should I Do Now?

The last 6 digits and expiry date of the debit card is required for setting the UPI PIN.

If you’re not receiving the OTP in time, kindly click on Resend OTP option.

If the above does not work, please wait for some time and try again.

Please note that only Debit cards linked to the account can be used for setting the UPI Pin.

How Do I Reset My UPI PIN?

Login to Yuva Pay App -> Click on Bank Account You will be shown the accounts you’ve linked on Yuva Pay below which you can reset your UPI PIN. (Please keep your Debit Card details handy to reset your UPI pin.)

What Should I Do If The Number Of Wrong UPI PIN Tries Have Exceeded?

Kindly wait for 24 hours post which you will be able to do transactions.

Why Does Yuva Pay Show “Wrong Debit Card Details" While Trying To Set UPI Pin?

This error would occur only in the event of entering incorrect Debit Card details.

In any case if the same scenario is repeated post entering the correct details, kindly contact your bank.

E. Not Able To Send/Receive Money

Why Am I Not Able To Send Money?

You can send money to a limit of ₹ 1,00,000 per transaction and ₹ 1,00,000 per day on Yuva Pay.

If you’re sending money to a UPI ID, please, make sure that you’ve entered the correct UPI ID.

Kindly ensure that you’ve entered the correct UPI Pin.

You will not be able to send money if your Bank is malfunctioning.

If you’re a new user on Yuva Pay, you can only do transactions up to ₹ 5,000 for the first 24 hours. You’ll be able to exhaust your daily limit of ₹ 1,00,000 after the completion of aforementioned 24 hours.

Kindly note that your Bank’s limit may vary from that of Yuva Pay.

Why Do I See “Per Transaction Limit Exceeded”?

A user on Yuva Pay can send money to a limit of ₹ 1,00,000 per transaction and ₹ 1,00,000 per day.

If you’re a new user on Yuva Pay, you can only do transactions up to ₹ 5,000 for the first 24 hours. You’ll be able to exhaust your daily limit of ₹ 1,00,000 after the completion of aforementioned 24 hours.

Kindly note that your Bank’s limit may vary from that of Yuva Pay.

Why Do I See “Risk Threshold Exceeded”?

A user on Yuva Pay can complete only 10 financial transactions in a day for a value not beyond ₹ 1,00,000. Beyond this limit on frequency or value of transactions, you will be shown an error “Risk threshold exceeded”.

F. Transaction Related Queries

Why Am I Not Able To Send Money?

If your Yuva Pay App states that your transaction is a Success, but your beneficiary hasn’t received the money, Kindly check to ensure that you’ve entered the correct beneficiary details (UPI ID or A/c IFSC).

In case your transaction is in Pending status kindly check the status of the transaction after T+2 working days. If the issue still persists, kindly reach us out our customer care.

In case your transaction has failed, but the amount was debited then the same will be reversed to you in T+2 working days.

If you still face the issue, you can reach out to us or raise a complaint on your Yuva Pay App.

Money Sent To Wrong Receiver. Can I Reverse The Transaction?

Kindly contact your bank and raise a complaint for chargeback.

Why Is My Transaction Getting Declined?

• Your transaction may be declined due to any of the following reasons:

Either of the Bank servers might be temporarily down. In this case, kindly wait for some time before you re-initiate the transaction.

It might be a suspected as a fraud transaction.

You might have entered the wrong UPI Pin.

The beneficiary details you have entered might be incorrect.

Your mobile number might be linked with multiple types of accounts in the same bank.

If you’ve changed your mobile number linked with your bank account then there is a possibility that the bank hasn’t updated your new number due to which you will not be able to complete your transaction. In this case, kindly contact your bank.

The transaction you’re trying to complete might be a violation of Bank Policy. In this case, kindly contact your bank.

Whom Should I Contact In Case Of Any Issues With The App?

You can report any feedback/suggestion/complaint on the app. Contact on the number 08061914400 or write mail to support@yuvapay.com

Yuva Pay And BHIM UPI

What Exactly Is Yuva Pay?

Yuva Pay is a UPI based payment interface which allows real time fund transfer using a single identity like your mobile number or name.

What Can I Do With Yuva Pay?

You can send money to and collect money from any person on UPI

You can pay bills by UPI

You can recharge your mobile

You can scan a QR code to make quick payments

You can send money from your Bank Account to another Bank Account

You can check your transaction history on UPI

How and Where Do I Pay With Yuva Pay?

Pay to your friends or relatives directly through their UPI ID.

While shopping online, click on the “Pay by UPI” option

Scan UPI QR/Yuva Pay QR at merchant outlets

Is Yuva Pay A Wallet?

Yes, Yuva Pay is a wallet. It is a payments application which allows users to make instant bank as well as wallet transfers.

What Is BHIM UPI?

The easiest way to think of UPI is that it is a payment method to transfer money between two parties. It is similar to NEFT or RTGS transfers in that way.

Is Yuva Pay Available For All Handsets And Operating Systems?

Yuva Pay can be used currently on all handsets with Android OS (version 5.0 and above).

In How Many Languages Is Yuva Pay Available?

Currently it is available in 11 languages, i.e., English, Kannada, Hindi, Tamil, Telugu, Malayalam, Marathi, Gujarati, Asamiya, Bengali and Odiya.

What Is VPA?

A Virtual Payment Address (VPA) is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

Can I Use Yuva Pay Outside India?

No, you can’t use Yuva Pay outside India.

What Are The Charges To Use Yuva Pay?

NPCI does not charge any user for transacting on Yuva Pay. Kindly get in touch with your bank to ask for their charges.

How Do I Use Yuva Pay If My Bank Is Not Live On UPI?

Yuva Pay is interconnected with every bank through the UPI ecosystem. Hence, you will not be able to link your account on Yuva Pay application.

Installation And Registration

Who Can Use Yuva Pay?

Any user having a smartphone and bank account is eligible to use Yuva Pay. That being said, you need your mobile number registered with the bank and a debit card linked to that account. You can download the app from play store.

How Does Yuva Pay Verify My Mobile Number And What Is The Process?

After installing and running the app for the first time:

Select Language

Register to Yuva Pay app entering all details.

Successful attempt will take you to Home page.

App will ask permission to send SMS to verify SIM.

If step 4 is unsuccessful, try again later.

If step 4 successful Yuva Pay recognizes your mobile number and handset, your registration is complete.

How Do I Create My UPI ID?

On successful registration, a default ID i.e mobilenumber@yesbank will be created. You can add one more VPA by going in the profile section.

What Is UPI ID?

A UPI ID is a unique identifier which you can use to send and receive money on UPI. Think of it as an email ID which you can use to transfer money.

What If I Get Device Binding Failed?

Device binding failure occurs due to the following reasons:

App is unable to send SMS

Network connection is poor

Phone time and actual time is different

Telecomm service provider is unable to send registration SMS to NPCI

Installation And Registration

What Is UPI PIN?

UPI PIN is a four-or six-digit number that is set by the customers on Yuva Pay after the registration process. UPI PIN is used for authenticating all transactions done on UPI platform (Yuva Pay or UPI apps)

What Happens After Registration?

Once your mobile is verified, you will have to select your bank account and set your UPI pin.

I Cannot See My Bank In The List. What Now?

Your bank is not registered with UPI, hence it is not on the list. Our team is working towards getting all banks on UPI.

I Can See My Bank, But I Cannot See My Account Number. What Now?

Your bank does not permit your account type to be listed on UPI. Kindly try another account.

How Do I Set My UPI Pin?

After you select your bank account, you will be promoted to set your UPI pin for the first time. You need to input the last 6 digits of your debit card along with the expiry date.

I Have Already Set A Pin On Another App With A Bank Account. Can I Use The Same Pin On Yuva Pay?

While setting the UPI pin there a SYNC option at the bottom of the transaction screen. If you click that, the pin you have set on the other app will be set on Yuva Pay.

I Am Unable To Set My UPI Pin. What Now?

Due to some technical reason, your UPI pin cannot be set. Kindly click here (page should redirect to Contact Us>>Issue with UPI pin) and provide details.

Sending Money

What Methods Are Available On Yuva Pay For Sending Money?

Yuva Pay users can send money by using one of the following details of the beneficiary.

VPA (Registered on UPI)

Mobile No. (Registered on UPI)

Account Number and IFS code

While Sending Money Via UPI ID, The Account Holder Name And UPI ID Are Different. Are They The Same Person?

When you enter a VPA and click on verify, the account holder’s name (as mentioned in the bank’s system) will be displayed. This is for you to cross check if the sender and the bank account to which you want to send money are the same. In case they appear different, please re confirm the VPA of the receiver. Money once sent through Yuva Pay cannot be reversed.

Is There A Limit To The Amount Of Money That Can Be Sent Using Yuva Pay?

A user can send upto ₹ 1,00,000 per transaction and a maximum of ₹ 1,00,000 per day for one bank account. This limit is available per bank account linked on Yuva Pay.

How Do I Switch The Default VPA?

The default VPA is mymobileno@yesbank. You can change by going to the “My profile” section and selecting among the available VPAs.

How Many VPAs Can Be Added To Yuva Pay?

Yuva Pay allows you to use two VPA’s. First one is the default VPA (mobilenumber@yesbank). The second one, you can create on “My Profile” page.

I Have Multiple Accounts Linked To The Same Mobile Number. Which Accounts Can I Use For Sending/Receiving Money?

The account which you have selected will be displayed on the top left with the bank’s icon. That will be your default bank. You can change the bank account by going to “Bank Accounts” and clicking on the three dots menu option to change the bank.

I Have Two Bank Accounts. Using One Of Them, I Have Registered On Yuva Pay. How Can I Send Money From This Account To The Other?

Let’s say you have two accounts i.e ABC and XYZ and both are linked on Yuva Pay. You want to transfer money from ABC to XYZ. Click on “Bank Accounts” -> “Send to Self” -> Select “To Account”, Enter Amount and select “From Account”, post entering your UPI Pin for ABC you will be able to transact.

*Option available only on the latest version of Yuva Pay.

Can I Save The Beneficiary Details For Later Transactions?

Yes, you can save details. While sending money to a particular receiver you have to click on the option “Save for Future”

How To Use Scan & Pay Feature For Sending Money?

Scan & pay option is present in the Home page where you can click and the QR scanner opens up. Using this you can scan the QR code of the receiver and send him money. You can also use scan and pay on your passcode screen. You can also upload a QR saved on your phone as an image.

How Do I Generate My QR Code?

Once you register on Yuva Pay, a QR code and default VPA is created. You can check these details on the “My Profile” section of Yuva Pay.

Receiving Money

What Is Request Money?

On Yuva Pay, you can initiate a collect transaction for asking money from someone. You have to enter the amount and UPI ID. The user who will receive the request can pay or decline the collect request by authenticating it with the UPI pin.

How Do I Check Collect Requests Made To Me?

You can click on transactions menu and under the pending section, collect request made towards you will be displayed. You can approve or decline the same.

Is There A Limit On The Amount Of Money That Can Be Received Using Yuva Pay Per Transaction?

There is a limit of ₹ 2,000 per collect request on Yuva Pay.

Is There Any Limit On Receiving Money Via Yuva Pay?

There is no limit to the amount of money you can receive via Yuva Pay.

How To Block Unknown Money Requests?

You can do so by clicking on spam for the request and also by clicking the particular sender so that he can no longer send unwanted requests.

Is There A Time Frame Within Which The Money Request Has To Be Accepted?

Pending transactions can be viewed in the transaction section of Yuva Pay. The requests will be valid till the time the initiator has kept. If the request is not accepted within that set time, the request expires.

My Beneficiaries

What Is My Beneficiaries?

My Beneficiaries is a feature added which helps users to organize their payer contacts. It contains the list of payers to whom a transaction was initiated.

How Do I Save A Beneficiary?

When performing a transaction, click the button “Save for future” to save the contact. You can view the same in your added beneficiary.

How Do I Delete A Saved Contact From My Beneficiary?

When you click on any contact in my beneficiary, it gets highlighted with two options i.e. “Send Money” and “Delete”. Click on delete to remove the beneficiary from the list.

How Do I Unblock A User?

Click on the three dots on the top right of the My Beneficiary page and go to blocked contacts. Click on the contact and select the option to unblock the same.

Help & Support

I Have Sent Money But The Transaction Failed And My Account Is Debited. What Should I Do?

The transaction has failed due to a system error. The money is in the pool account of the remitting bank (your bank). Your transaction ID is your reference ID, which you can take up with your bank.

To report a failed transaction, click on report issue in the transaction page against the failed transaction and mention the details. The amount should be reversed to you in T+3 days.

In case that does not happen, you can reach out to us at 08061914400 or support@yuvapay.com.

We apologise for the inconvenience.

I Performed A Transaction, But It Is Showing Pending. What Should I Do?

The transaction has failed due to a system error. The money is in the pool account of the beneficiary bank. Your transaction ID is your reference ID, which you can take up with your bank.

To report a pending transaction, click on report issue in the transaction page against the failed transaction and mention the details. The amount should be reversed to you in T+3 days.

In case that does not happen, you can reach out to us at 08061914400 or support@yuvapay.com.

We apologise for the inconvenience.

Money Sent To Wrong Receiver. Can I Reverse The Transaction?

NPCI is acting as platform for processing transaction. It is an instant transfer; hence we request you to check beneficiary details before transacting. A successful transaction cannot be reversed, unless the beneficiary refunds at his own end.

You can try and raise a collect request (for VPA based transactions) and hope that the user will return the same. There is no guarantee that your amount will be reversed.

Whom To Contact In Case Of Any Issues With The App?

Reach out to the Yuva Pay contact number 08061914400 or mail support@yuvapay.com for any queries or complaints on your Yuva Pay transactions.

	Per Transaction Limit	Monthly Transaction Limit
	Min. KYC Customer	Aadhar KYC Customer	Full KYC Customer	Min. KYC Customer	Aadhar KYC Customer	Full KYC Customer

Wallet TOP-UP	2,000	2,000	2,000	10,000	1,00,000	1,00,000
Per Day Limit	10,000	10,000	10,000	10,000	1,00,000	1,00,000
Charges	Free	Free	Free	Free	Free	Free

Wallet to Wallet Transfer	NA	20,000	20,000	NA	1,00,000	1,00,000
Charges	NA	Free	Free	NA	Free	Free

Wallet to Bank Transfer	NA	2,000	2,000	NA	1,00,000	1,00,000
Per Day Limit	NA	5,000	5,000	NA	1,00,000	1,00,000
Charges	NA	3%	3%	NA	3%	3%

FAQs - INSURANCE

Premium Amount	Premium Amount (KERALA)	Tenure	Age Limit	Sum Insured	GST	GST (KERALA)
₹ 157	₹ 158	1 Year	18 Years - 65 Years	₹ 1,00,000	18%	19%

Premium Amount	Premium Amount (KERALA)	Tenure	Age Limit	Sum Insured	GST	GST (KERALA)
₹ 149	₹ 150	1 Year	18 Years - 65 Years	₹ 1,00,000	18%	19%

Premium Amount	Premium Amount (KERALA)	Tenure	Age Limit	Sum Insured	GST	GST (KERALA)
₹ 165	₹ 166	1 Year	18 Years - 65 Years	₹ 500 per day, for upto 15 days	18%	19%
₹ 330	₹ 333	1 Year	18 Years - 65 Years	₹ 1,000 per day, for upto 15 days	18%	19%
₹ 495	₹ 499	1 Year	18 Years - 65 Years	₹ 1,500 per day, for upto 15 days	18%	19%
₹ 660	₹ 665	1 Year	18 Years - 65 Years	₹ 2,000 per day, for upto 15 days	18%	19%

Premium Amount	Premium Amount (KERALA)	Tenure	Age Limit	Sum Insured	GST	GST (KERALA)
₹ 75	₹ 76	1 Year	18 Years - 65 Years	₹ 250 per day, for upto 10 days	18%	19%

FAQs - SUBSCRIPTION

INDIA's only AI
Driven SecuredOffline Mobile Payment
Solution for the LAST MILE

PAY IT EASY

Customer App

Merchant App

Feature Phone App

Yuva Pay - Unique Features:

Multi-Payment Option

Highly Secured

Scan & Pay

Anytime, Anywhere

Without INTERNET

Device Independent

User Friendly

Rewards

SEND & RECEIVE

SHOP

PAY

Partner with Us

Yuva Pay Merchant

Yuva Mithra Agent

Yuva Pay Client

Buy Subscription Plan of ₹59

Buy Subscription Plan of ₹249

Buy Subscription Plan of ₹349

Buy Subscription Plan of ₹599

Sl. No.	Mode of Payment	Will be Refunded to	TAT
1	Credit Card	Source from where the money got debited	T + 5 Working days*
2	Debit Card	Source from where the money got debited	T + 5 Working days*
3	UPI	Source from where the money got debited	T + 5 Working days*
4	Wallet	Source from where the money got debited	T + 1 Working days*
5	Credit Card & Wallet	Source from where the money got debited	T + 5 Working days* (Credit Card) & T + 1 Working day* (Wallet)
6	Debit Card & Wallet	Source from where the money got debited	T + 5 Working days* (Debit Card) & T + 1 Working day* (Wallet)
7	UPI & Wallet	Source from where the money got debited	T + 5 Working days* (UPI) & T + 1 Working day* (Wallet)
8	Other UPI Compliant Apps	Source from where the money got debited	T + 5 Working days*
9	Prepaid Card	Source from where the money got debited	T + 30 Working days*

FEES	AMOUNT
Wallet Issuance	No Fee
Wallet (P2P)	No Fee
Wallet (P2M)	1% on Every Transaction (Merchant need to bear this cost)
Wallet Balance Withdrawal	3% of the transaction Amount
Wallet to Bank Transfer	3% of the transaction Amount

TRANSACTION AMOUNT	CUSTOMER FEE
₹0 - ₹1,000	1.20%
₹1,000 - ₹2,500	1.20%
₹2,501 - ₹5,000	1.20%
₹5,001 - ₹9,999	1.20%
₹10,000 - ₹25,000	1.00%

Buy Subscription Plan of ₹59
Your UPI Transaction Value	Reward Points You Get	Equivalent Cashback Amount
₹1,00,000	5,000	₹50.00
₹2,00,000	10,000	₹100.00
₹3,00,000	15,000	₹150.00

About Us

How to

Contact Us

As a Merchant

As a Yuva Mithra agent

Is INDIA Ready for Cashless Society?

Last Mile Digital Payment

Is India Ready for Digital Financial Inclusion?

Currency Notes Can Spread Virus – Go Digital

Don't fall into the trap of Fraudsters

Problems Faced By Rural Areas When It Comes To Digital Payment

A Solution To Be Get Paid Without Third Person

One Solution Which Help Both Customers And Retailers

A Best Solution Which Made Praveen As A Loyal Customer

Yuva Pay Application Is An Innovative And Influential Technology In The Digital Age

INDIA's only AIDriven SecuredOffline Mobile PaymentSolution for the LAST MILE

PAY IT EASY

Customer App

Merchant App

Feature Phone App

Yuva Pay - Unique Features:

Multi-Payment Option

Highly Secured

Scan & Pay

Anytime, Anywhere

Without INTERNET

Device Independent

User Friendly

Rewards

SEND & RECEIVE

SHOP

PAY

Partner with Us

Yuva Pay Merchant

Yuva Mithra Agent

Yuva Pay Client

INDIA's only AI
Driven SecuredOffline Mobile Payment
Solution for the LAST MILE