Rechapi Private Limited | https://clubapi.in
Rechapi Private Limited, having its registered office at Near Gulmohar College, Churchu Road, Hazaribagh, Jharkhand – 825301 ("Service Provider"), provides Utility API services through its platform https://clubapi.in.
2. SCOPE OF SERVICES
The Service Provider provides Utility API services including Mobile Recharge, DTH Recharge, Electricity Bill Payment, Gas Bill Payment, Flight Booking, Bus Booking and other utility services dependent on third-party operators.
3. API ACCESS & USAGE
API credentials are confidential and strictly for Client’s business use. The Client shall not misuse, manipulate, reverse-engineer or resell the API. The Service Provider may suspend or terminate access without notice in case of fraud, misuse or abnormal activity.
4. TRANSACTION STATUS, CALLBACK & REFUND
A transaction shall be treated as FAILED only when final status is received via Callback URL, Transaction API or Status Check API.
Multiple callbacks may be received due to network or operator issues; Client shall ensure refund is issued only once.
Pending transactions shall not be refunded until final confirmation.
Any duplicate or excess refund shall be sole responsibility of Client.
5. MARGIN / COMMISSION
Margin or commission is not fixed and may change dynamically at any time. Client must verify margin from dashboard only. Service Provider shall not notify margin changes via email, SMS, WhatsApp or call. Margin shown at transaction time shall be final and binding.
6. PAYMENT, GST & TAX COMPLIANCE
Under P2P (Principal-to-Principal) model, GST invoice shall be issued by the Service Provider only on the amount actually received in its bank account. Under P2A (Principal-to-Agent) model, the Client shall raise GST invoice only on the commission earned. GST shall not be applicable on the entire transaction amount.
Each Party shall be solely responsible for its own GST registrations, returns, statutory filings, tax payments, reconciliations and compliance under applicable laws.
In the event the Service Provider suffers any loss, penalty, interest, tax demand, input tax credit (ITC) reversal, account restriction, notice or legal proceeding arising directly or indirectly due to the Client’s delay, non-filing, incorrect filing, misrepresentation or non-compliance of GST or any other statutory obligation, the Client shall be fully liable.
All such losses, including but not limited to penalties, interest, tax amounts, professional fees, legal expenses and operational costs, shall be recoverable in full from the Client. The Service Provider shall have the right to debit or adjust the same from Client’s wallet balance, security deposit or any other payable amount.
The Client agrees that inability, financial hardship or third-party dependency shall not be a valid excuse for GST non-compliance.
7. ACCOUNT SECURITY
Client is solely responsible for securing passwords, API keys, email access, OTPs and systems. Service Provider shall not be liable for hacking, phishing, credential leakage or unauthorized access caused due to Client’s negligence.
8. CYBER FRAUD, COMPLIANCE & INDEMNITY
The Client shall be solely and fully responsible for all transactions, users, merchants, agents, sub-agents and activities conducted using the API credentials.
In the event of any cyber fraud, financial fraud, money laundering, suspicious transaction, chargeback, or regulatory complaint reported against the Client’s account or transactions, the Client shall bear full responsibility, liability and legal consequences.
If any bank account, nodal account, payment gateway, wallet, or operational account of the Service Provider is frozen, restricted or investigated by any authority (including but not limited to Bank, Cyber Crime Cell, Police, RBI or any Government Agency) due to transactions initiated by or linked to the Client, the Client agrees to fully cooperate and bear all financial costs involved.
All expenses incurred for unfreezing such account(s), including but not limited to legal fees, penalties, settlement amounts, compliance costs, and operational losses shall be recoverable from the Client. The Service Provider reserves the right to debit or recover the same from Client’s wallet balance, security deposit or any other payable amount.
The Client agrees to indemnify and hold harmless the Service Provider, its directors, employees and partners from any loss, damage, claim, penalty or legal proceeding arising out of Client’s transactions, business model, end users or regulatory violations.
The Service Provider shall have the right to suspend services, freeze wallet balance or terminate the Agreement immediately upon detection or suspicion of fraudulent or non-compliant activity.
Any transaction, login or API usage performed using the registered email ID, mobile number or API credentials shall be deemed authorized activity of the Client.
9. REGULATORY, AML & PMLA COMPLIANCE
The Client agrees to comply with all applicable laws, regulations, circulars and guidelines issued by the Reserve Bank of India (RBI), Prevention of Money Laundering Act, 2002 (PMLA), rules thereunder, and any other applicable financial, taxation or regulatory authority.
The Client shall ensure proper Know Your Customer (KYC), Anti-Money Laundering (AML), Counter Terrorist Financing (CTF) checks of its users, merchants, agents and sub-agents, as applicable under law.
The Service Provider shall have the right to monitor, flag, report and suspend transactions which appear suspicious, unusual or non-compliant, and to report such transactions to banks, regulators or enforcement agencies without prior notice.
The Client acknowledges that the Service Provider is acting only as a technology facilitator and shall not be responsible for the source of funds, end use of funds or regulatory compliance of Client’s users.
10. LIMITATION OF LIABILITY
Service Provider shall not be liable for any indirect, incidental or consequential damages. Maximum liability shall be limited to wallet balance available at time of dispute.
11. TERMINATION
Service Provider may terminate this Agreement immediately without notice in case of fraud, misuse, payment default or legal violation. Outstanding dues shall survive termination.
12. GOVERNING LAW & JURISDICTION
This Agreement shall be governed by laws of India. All disputes shall be subject to exclusive jurisdiction of courts at Ranchi, Jharkhand.
Last Updated 17 Jan 2026
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