Terms of Use

1. About us

Dramepe is a technology platform operated by DRAMIVO PRIVATE LIMITED (CIN U62099MH2026PTC469447, GSTIN 27AAMCD5442Q1ZY), having its registered office at Unit No. A-203, 204, Kotia Nirman Commercial Premises Co-op Society Ltd., Opp. Laxmi Industrial Estate, New Link Road, Andheri West, Mumbai, Maharashtra 400053 (“Dramepe”, “we”, “us”). We enable registered partners to offer bill payments, recharges, FASTag top-ups and related services to their customers. We are not a bank, and we are not a Bharat Bill Payment Operating Unit (BBPOU).

2. Bill payments on Bharat Connect

• Bill payments are processed on Bharat Connect (formerly BBPS), operated by NPCI Bharat BillPay Limited, through an RBI-authorised BBPOU, and are subject to the rules of that network.
• A payment is complete only when the biller confirms it. The Bharat Connect reference on the receipt is the proof of payment.
• Billers post payments to customer accounts according to their own processes and timelines. We are not responsible for a biller’s service, tariffs, late fees or disconnection decisions.
• You must check the biller, customer details and amount before confirming. Payments made to a wrong account or for a wrong amount because of incorrect details can be disputed but are not guaranteed to be recovered.

3. Partner accounts

• Accounts are opened only after KYC verification. You must give true, complete information and keep it up to date.
• You are responsible for everything done with your login, PIN, device and API keys. Tell us immediately if you suspect misuse.
• You must display correct amounts to customers, hand over the receipt for every payment, and not charge customers anything beyond what is permitted.
• We may suspend or close an account for suspected fraud, KYC failure, regulatory instruction or breach of these terms, and may hold wallet balances where the law or a payment network requires it.

4. Wallet

• The wallet is a prepaid balance used only to pay for transactions on Dramepe. It earns no interest and cannot be transferred to another partner except through features we provide.
• Top-ups are credited after the funds are received from your bank or UPI app. Balances are reflected in your statement.
• Commissions are credited as shown in your rate card, and may change with notice.

5. Failed, pending and reversed transactions

If a biller or operator rejects a transaction, the amount is reversed to the wallet it was paid from. Pending transactions are updated when the final status is received. See the Refund & Cancellation Policy.

6. API use

• API keys are confidential and may be used only from the server IPs you register.
• You must not retry a payment whose status is unknown — use the status API.
• You must not use the API to offer services to anyone who has not passed your own customer checks where the law requires them.

7. Prohibited use

You may not use Dramepe for money laundering, fraud, paying bills with stolen funds, testing stolen cards or credentials, or any activity that breaks the law or a payment network’s rules. We report suspicious transactions where required.

8. Liability

We provide the platform on an “as available” basis. To the extent the law allows, we are not liable for indirect or consequential loss, or for delays caused by billers, operators, banks, networks or events outside our control. Our total liability for any transaction is limited to the amount of that transaction.

9. Complaints

Complaints can be raised through our complaint page. Transaction disputes are registered on Bharat Connect and resolved within the turnaround times it sets.

10. Changes and governing law

We may update these terms. The date above shows the latest version, and continued use means you accept it. These terms are governed by the laws of India, and courts at the place of our registered office have jurisdiction.

Contact

Questions about this policy: dramivoind@atomicmail.io. Grievance Officer: dramivoind@atomicmail.io. Postal address: Unit No. A-203, 204, Kotia Nirman Commercial Premises Co-op Society Ltd., Opp. Laxmi Industrial Estate, New Link Road, Andheri West, Mumbai, Maharashtra 400053.