Terms & Conditions

Last updated: 10 November 2026

The rules for using TingPaisa.

Agreement

These terms are an agreement between you and Formonix Communications LLP (LLPIN AAY-8716), North 24 Parganas, West Bengal, India, which owns the TingPaisa brand ("we", "us"). By creating an account or using the TingPaisa app you accept these terms, our Privacy Policy and our Refund & Cancellation Policy. If you do not agree, please do not use the app.

Who can use TingPaisa

You must be at least 18 years old and able to enter a binding contract under Indian law. TingPaisa is meant for shop owners and businesses in India using an Indian mobile number. One account belongs to one mobile number; you may sign in on your own phones.

What TingPaisa does

TingPaisa reads the payment notifications that your UPI and banking apps already show on your phone, and announces the amount received out loud. It also keeps a payment history and reports on your phone and makes a QR code from your UPI ID.

TingPaisa does not process, hold, collect or move money, is not a bank, payment aggregator or payment system operator, and is not linked to your bank account. It is not affiliated with NPCI, PhonePe, Google Pay, Paytm or any bank; their names are trademarks of their owners.

Your account

You sign in with a one-time password (OTP) sent to your mobile number. Keep your phone and number safe; you are responsible for activity on your account. Tell us at once if you think someone else has used it. Do not create accounts in someone else's name or to claim offers repeatedly.

Plan and price

• TingPaisa works only with an active plan. Without one, the app shows only the plan screen and does not announce payments.
• Trial: ₹1 for 3 days. This offer is available once per person, mobile number and phone.
• After that: ₹49 per month, collected automatically through a UPI Autopay mandate that you approve in your UPI app.
• When you start the ₹1 trial you set up the mandate at the same time. The first ₹49 is collected when the 3-day trial (and any free days you already have) ends. That payment starts your first month, and ₹49 is then collected every month.
• Your bank or UPI app sends a pre-debit notice before each collection, as required by RBI rules. If a collection fails, it may be retried; if it still fails, your plan ends at the end of the paid period.
• Prices include applicable taxes unless stated otherwise. We may change the price with at least 30 days' notice in the app; the new price applies from your next billing month.

Cancelling

You can cancel UPI Autopay any time in the app (Subscription → Cancel UPI Autopay) or from your UPI app's mandate settings. No further amount is collected after cancelling. If you cancel during the 3-day trial, before any ₹49 has been collected, the trial ends and the app stops working at once. If you cancel after a ₹49 payment, the app keeps working until the end of that paid month; after that you need to renew at ₹49 per month to keep using it. Details are in our Refund & Cancellation Policy.

Refer and earn

• Share your referral code. For every 3 friends who join with your code and pay their first ₹49 after the trial, 30 free days are added to your plan. A friend who cancels during the trial does not count.
• A friend can use a referral code only once, before starting their trial, and cannot use their own code.
• Free days are not cash, cannot be transferred and have no cash value.
• We may withhold or remove free days earned through fake, duplicate or self-made accounts, or any other misuse.

Permissions and your phone

TingPaisa needs Notification Access and must be allowed to run in the background. Phone makers' battery savers, Do Not Disturb, low volume, no internet when signing in, or changes made by your UPI apps can stop or delay announcements. Keep the app updated and follow the setup steps in the app.

Accuracy - always check your UPI app

Announcements depend on the notifications your UPI and banking apps send, which can be late, missing, changed or wrong. Always confirm a payment in your UPI or bank app before handing over goods or services. TingPaisa is an aid; it is not proof of payment, and we are not responsible for losses from missed, late or wrong announcements, or from fake payment screens shown to you.

Help chat

The in-app help chat gives automatic answers written by an AI system. They may sometimes be incomplete or wrong; for anything important about your account or money, contact us by email. Do not share your UPI PIN, OTP or bank passwords in the chat - we will never ask for them.

Acceptable use

Use TingPaisa only for your own lawful business on your own phones. Do not copy, modify, reverse-engineer or resell the app; interfere with our servers; use it to watch another person's payments without their consent; or use it for fraud or any unlawful purpose.

Ownership

The app, its voice clips, design, name and logo belong to us or our licensors. We give you a personal, non-transferable licence to use the app while your account is in good standing. Your payment records on your phone belong to you.

Suspension and ending

We may suspend or close an account that breaks these terms, misuses offers, or puts other users or our systems at risk, and we will tell you why where the law allows. You can stop using TingPaisa and delete your account any time from Settings. Sections on accuracy, liability, ownership and law continue after the account ends.

Limitation of liability

The app is provided "as is" and "as available". To the extent the law allows, we are not liable for indirect or consequential losses (such as lost sales or profits), and our total liability for any claim is limited to the fees you paid us in the 3 months before the claim. Nothing in these terms limits rights you have under the Consumer Protection Act, 2019 that cannot be limited.

Changes to the service or terms

We may improve, change or stop features. We may update these terms; we will post the new version here and show important changes in the app. Using the app after a change means you accept the new terms.

Law and disputes

These terms are governed by the laws of India. Please contact us first so we can try to resolve any issue. Courts at Kolkata, West Bengal have exclusive jurisdiction, subject to your rights as a consumer.

Contact and grievances