Terms of use

1. What Qubera does

Qubera is joining Bharat Connect (formerly the Bharat Bill Payment System), run by NPCI Bharat BillPay Limited, as an Agent Institution. We work through a Customer Operating Unit authorised by the Reserve Bank of India. We provide the screens you use to find a biller, fetch your bill and pay it.

We do not run the payment network, we are not the biller, and we do not hold your money. Your payment is collected by our authorised payment partner and sent to the biller through Bharat Connect.

2. Your account and details

• You must be 18 or older and use your own mobile number.
• You are responsible for entering the right biller and customer number (consumer number, card ending, vehicle number and so on). A payment made to a wrong number you entered cannot always be reversed.
• Do not use the service for any unlawful purpose or for someone else without their consent.

3. Bill amounts and due dates

Where a biller supports it, we fetch the amount and due date directly from the biller. If a biller does not support fetching, you enter the amount yourself. The biller's records are final. Qubera is not responsible for errors in what a biller returns.

4. Paying a bill

• You can pay by UPI, debit card or net banking. A credit card bill cannot be paid with a credit card.
• For a credit card bill you may pay the total due, the minimum due, or any other amount, where your card issuer allows it.
• Every successful payment gets a Bharat Connect reference number. Keep it to track the payment or raise a complaint.
• A payment is complete when the biller confirms it. Some billers take up to three working days to update your account.

5. Charges

Any charge for a payment is shown on the payment screen before you pay, with GST. We do not add hidden charges. Mobile prepaid recharge, DTH and LPG bookings carry no customer convenience fee. Your bank or card issuer may charge its own fees under its terms.

6. Failed, pending and wrong payments

If money leaves your account but the biller does not receive it, the amount is reversed to the same account within the timelines set by Bharat Connect. See the refunds and cancellations policy for details.

7. Complaints

You can raise a complaint from the payment receipt using its reference number, or by writing to us. The steps and timelines are in our grievance redressal policy.

8. Availability

We aim to keep the service available at all times, but billers, banks and networks can be down. We are not liable for a delay caused by a biller, bank, payment partner or network.

9. Liability

To the extent the law allows, our total liability for any one payment is limited to the amount of that payment. We are not liable for late fees charged by a biller when a payment was started after the due date or was made to a wrong number entered by you.

10. Changes and law

We may update these terms. We will show the date of the last change at the top of this page and tell you in the app about important changes. These terms are governed by the laws of India. Courts in Bengaluru, Karnataka have jurisdiction.

11. Contact

Qubera Technologies Private Limited, 38 F, 1st Ashwini Layout, 2nd Main, Egipura, Viveknagar, Bangalore South, Karnataka 560047, India. Email abhay@qubera.club.