This Pricing & Fees policy is published by PINTOOF LEGAL AND TECHNOLOGICAL PRIVATE LIMITED (CIN: U69100MP2024PTC072082), operator of the Pintoofpay closed-wallet utility platform, registered office Bhopal, Madhya Pradesh - 462038, India — so that users and payment gateway reviewers can verify our complete fee structure at a glance.
1. Consumer Pricing — Always Free
| Service | Fee to User |
|---|---|
| P2P wallet transfers (mobile, ID, QR) | ₹0 — Zero fee, always |
| Scan & Pay merchant QR | ₹0 |
| BBPS bills (Electricity, Gas, Water) | ₹0 platform fee (billed amount only) |
| Mobile/DTH recharges (Jio, Airtel, Vi) | ₹0 platform fee (MRP only) |
| Digital passbook & PDF statements | ₹0 |
| Account opening, maintenance & closure | ₹0 |
2. Merchant & B2B Pricing
| Merchant Item | Charge |
|---|---|
| MDR (Merchant Discount Rate) on collections | 0% MDR |
| Onboarding & dynamic QR generation | ₹0 |
| Settlement to bank account | Instant — no per-payout fee |
| Dashboard, reconciliation & statements | ₹0 |
| Merchant support | Included — premium tier |
3. How We Compare
Most platforms charge consumers and merchants up to 1.5% per transaction. On Pintoofpay the same transfers cost ₹0, which is why a user transacting ₹15,000 per month saves approximately ₹2,700 per year. You can verify this yourself with the interactive fee savings calculator on our homepage.
4. Third-Party & Statutory Charges
Pintoofpay does not mark up or pocket third-party costs. Where a charge originates outside our platform, it is passed through at cost and disclosed before you confirm the transaction:
- Biller amounts: utility bills and recharges are charged exactly at the amount and MRP quoted by the biller or operator.
- Late fees & penalties: imposed by the biller for delayed payment — retained by the biller, not Pintoofpay.
- Government taxes: GST or other statutory levies applicable on specific services are collected and remitted as required by law.
- Bank charges: any fee your own bank or card issuer applies to a funding instrument is governed by that bank's schedule of charges.
5. Delivery of Services (Digital Fulfilment)
Pintoofpay is a 100% digital service — we do not sell or ship physical goods. Wallet transfers, QR payments, and passbook access are delivered instantly at the time of the transaction. Utility payments and recharges are pushed to the biller electronically and typically reflect within minutes, and in all cases within the timelines stated at confirmation. PDF statements are self-served from the app at no cost. Because no physical shipment exists, no shipping, handling, or delivery fees are levied anywhere on the platform.
6. Changes to Pricing
We may revise this fee structure to reflect regulatory changes or new services. Any change affecting you will be announced at least 30 days in advance through the application and by updating this page with a revised "Last updated" date. Continued use of the platform after the effective date constitutes acceptance of the revised pricing.
7. Refunds of Fees
If a fee is charged in error or a paid service fails to deliver, it is refunded to the original payment source in accordance with our Refund & Cancellation Policy, typically within T + 5 working days.
8. Billing Queries & Help
For any question about a charge, contact support@pintoofpay.in or use the contact form on our website with the transaction reference from your passbook. Queries are acknowledged and resolved within 24-48 hours.