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Customer Rights - Terms and Conditions for RuPay PaySecure platform powered by NPCI (E-Commerce)


 "Card(s)" shall mean RuPay Debit/Prepaid or Credit cards as issued by the Issuing Bank.

 Cardholder shall mean the owner authorized to perform transaction on the card issued by an Issuing bank

 The words "we", "us" and "our" refer to Bank / NPCI / RuPay PaySecure solution as the case may be.

 Registration information / data” shall mean the information shared by the cardholder during the registration transaction viz. Image, Personalized phrase and PIN.

 Bank” shall mean Telangana Grameena Bank which has issued the RuPay Debit Card.

About RuPay PaySecure: 

RuPay PaySecure provides you an additional level of security for all online transactions done using your RuPay cards. The platform uses a combination of image & phrase selection and OTP entry to secure your online experience using the card. 

1. Key Features:

  • The solution offers enhanced security measures in addition to the RBI mandated 2-Factor authentication viz. registration, OTP, image based authentication and anti-phishing measures.
  • Highly secure with unique anti-phishing properties
  • User friendly and smooth adaptability
  • Simplified architecture & transaction flow reduces transaction time resulting in faster transaction processing and reduction in drop-outs
  • Customer experience: During the online payment the cardholder’s authentication data is collected in a secured manner. Further, with help of a bank themed PIN pad the cardholder has to enter the PIN number while making the payment. The pad shuffles each time a digit is entered as an additional security measure.

2. Target Customers:

All RuPay Card Holders whose mobile number is linked to their A/Cs in TGB for online transactions viz. bill payments, online purchases etc.

3. RuPay PaySecure Usage:

  • All the customers holding RuPay Cards can transact online with RuPay PaySecure
  • RuPay Cards are enabled for online purchases on major merchants. 

4. Acceptance of Terms:

  1. Usage of RuPay PaySecure is subject to the T&Cs governing the card transactions as well as Terms and Conditions applicable to the Bank Account. Use of PaySecure abides you to the terms of the solution. In addition, when using RuPay PaySecure, you will be subject to all guidelines or rules applicable to RuPay cards and PaySecure that may be posted from time to time at the (TGB and/or NPCI) web site.
  2. The cardholder is entirely responsible for ensuring secure usage of card details. Cardholder is liable for misuse/ unwarranted disclosure of sensitive information such as the card details, OTP, etc. Bank/NPCI shall not be responsible for interception/ misuse of such details while using RuPay PaySecure service. Bank/NPCI is not liable if the terms and conditions relating to use of this information are not complied with.

5. Customer Obligations:

Customer to provide complete, correct, honest and current information as required by RuPay PaySecure. If you provide any personal Data that is untrue, inaccurate, not current or incomplete, or if there are reasonable grounds to suspect that the information provided by you is untrue, inaccurate, not current or incomplete, NPCI reserves the right to suspend, terminate, or refuse your current or future use of RuPay PaySecure service.

6. Registration:

a. RuPay PaySecure reserves the right to disallow the customer from usage of the service in case the information provided by the customer is incorrect/ false. The cardholder assures that every information entered in the PaySecure system is true and that they are legally entitled to use the cards that they register on the RuPay PaySecure system.
b. For all queries related to RuPay PaySecure, refer to the following URL: or call your bank’s customer service numbers.
c. NPCI may enhance the security features etc. of the RuPay PaySecure solution from time to time. The T&Cs may be modified for revised features in the future. Acceptance of these T&Cs will abide the cardholder for any future versions of the RuPay PaySecure T&Cs.

7. Confidentiality and Security of Registration Information:

Cardholder is liable entirely for maintaining the confidentiality of the card details used on the RuPay PaySecure solution. All verification information supplied to or established by Cardholder with respect to PaySecure will be the sole responsibility of the cardholder.

Cardholder is responsible not to share information which enables access/ usage of RuPay PaySecure to any third party. Customer should immediately notify the bank of any unauthorized use of their RuPay PaySecure verification information, or any other breach of security. The cardholder agrees that Bank/NPCI will not be liable for any loss or damage arising from failure of Cardholder to comply with these T&Cs.

8. Cardholder Responsibilities:

As a RuPay PaySecure user, the cardholder acknowledges and agrees to the following:

The cardholder will:

  • Ensure confidentiality of PIN and not reveal it to any third party.

  • Keep the OTP confidential and not reveal it to any third party

  • Take necessary precautions to ensure that the computer device or other device accessing RuPay PaySecure during transactions is guarded from all unauthorized access.

The cardholder will NEVER:

  • Access RuPay PaySecure with false/fake id or attempt impersonation of any kind;

  • hamper the functioning of the RuPay PaySecure module in any manner of hardware or software malfunction by use of software viruses or any other programs or applications;

  • intentionally overload the RuPay PaySecure platform to hamper the service;

  • infringe upon the Intellectual Property rights of the PaySecure solution by attempting to re-create or re-engineer the solution or any part of it or the softwares used in connection with RuPay PaySecure;

  • remove any copyright, trademark, or other proprietary rights notices contained in RuPay PaySecure;

  • re-create or use any part of the RuPay PaySecure service without NPCI's prior written authorization;

  • attempt to data mine, unlawfully obtain information specific to the RuPay PaySecure solution using any application, or other manual or automatic device or in any way and re-engineer or duplicate the user experience similar to PaySecure service;

  • interfere with the functioning of PaySecure or its associated hardware/ software by any means; or

  • fail adherence to any applicable governing law, regulation, guidelines or any Terms and Conditions advised by Bank/NPCI in connection with use of RuPay PaySecure.

9. Rules of Liability:

  1. NPCI has no liability for cardholder’s internet access device or password obtaining device (such as computer or mobile phones etc.) or proper functioning of its hardware or software before, during or after the use of RuPay PaySecure.
  2. NPCI will in its best efforts make the web service secure from all aspects possible. However, NPCI will not take liability for any viruses or unlawful downloads that the cardholder’s system may be exposed to while he accesses the internet for using RuPay PaySecure.
  3. NPCI does not take liability of failed transactions which are incomplete due to any reason

10. Merchants:

The RuPay PaySecure solution merely offers card holders an additional level of security for their card transactions on their online merchants. RuPay PaySecure by no means intends to endorse any Merchant over others. Additionally, NPCI does not guarantee the cardholder experience with the merchant in terms of delivery of product, quality etc. NPCI does not validate the Merchant’s services or offering.

Cardholder’s interaction with the merchant is independent of governance of RuPay PaySecure rules. Merchant’s terms of business with the cardholder with regards to service/ product quality, delivery, payment, guarantees / warrantees, promotions, discounts etc. is an understanding between the cardholder and merchant alone even if the customer used RuPay PaySecure for authorizing the transaction. In no event will NPCI be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

11. Internet Frauds:
The Internet per se is susceptible to a number of frauds, misuses, hacking and other actions which could affect use of RuPay PaySecure. Whilst the Bank and/or NPCI shall aim to provide security to prevent the same, there cannot be any guarantee from such Internet frauds, hacking and other actions which could affect the use of the RuPay PaySecure. You shall separately evaluate all risks arising out of the same.

12. Operational Issues:
Every effort is made to keep the website up and running smoothly. However, NPCI takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to operational issues beyond control of NPCI.

13. Discontinuation of RuPay PaySecure:
Bank/NPCI reserves the right to discontinue the above service at any time whatsoever.