1. Acceptance of Terms
By using CellPay UPG, you acknowledge that you have read, understood, and agree to comply with these Terms & Conditions and all applicable laws and regulations of Nepal. If you do not agree to these terms, you must immediately cease using our services.
2. Services
CellPay UPG provides secure, state-of-the-art payment processing solutions for businesses. This includes payment acceptance through digital wallets, QR payments, mobile banking, internet banking, debit/credit cards, and other supported payment channels approved by Nepal Rastra Bank (NRB). We continually optimize our API surfaces to guarantee speed, reliability, and security.
3. Merchant Responsibilities
As a merchant on our platform, you explicitly agree to the following obligations:
- Provide accurate, complete, and up-to-date business credentials and Know Your Customer (KYC) documentation.
- Comply fully with all applicable laws, guidelines, and Nepal Rastra Bank (NRB) regulations.
- Maintain maximum confidentiality of your API credentials, secret keys, client IDs, and user account access details.
- Use the payment gateway platform strictly for legitimate and lawful business activities.
4. Payment Processing
All transactions passing through CellPay UPG are subject to automatic verification, real-time fraud prevention checks, and strict banking network rules. CellPay expressly reserves the right to decline, reverse, or suspend any transactions that are deemed suspicious, non-compliant, or high-risk.
5. Fees & Settlement
Applicable transaction processing fees (MDR), settlement cycles, reserve funds, and dynamic service charges are strictly governed by the executed Merchant Agreement and the pricing schedules established upon your account onboarding. Settlements are disbursed directly to your authorized bank account in Nepal.
6. Security
Security is a shared responsibility. While CellPay implements 256-bit SSL encryption, tokenization, and PCI-DSS compliance, you are responsible for safeguarding your end of the credentials. You must immediately notify CellPay customer operations if you detect any unauthorized access, data leaks, or potential security vulnerabilities.
7. Prohibited Activities
You are strictly prohibited from using the platform for any of the following activities:
- Illegal gambling, wagering, or illicit lottery systems.
- Money laundering, terrorist financing, or handling suspicious funds.
- Sale of prohibited goods, unlicensed digital services, or replica items.
- Any activity that is restricted under Nepalese Law or NRB Directives.
8. Limitation of Liability
CellPay, its parent company, directors, and employees shall not be liable for indirect, incidental, or consequential losses arising from service interruptions, unplanned maintenance, banking network failures, national telecom issues, force majeure events, or third-party API issues.
9. Suspension or Termination
CellPay reserves the absolute right to suspend or terminate your merchant access with or without prior notice where fraud, regulatory warnings, compliance violations, security risks, or non-payment of fees are identified or suspected.
10. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of Nepal. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts of Kathmandu, Nepal.
11. Changes
CellPay reserves the right to modify or replace these Terms at any time. We will publish the updated date at the top of this page. Your continued use of the platform after any such modifications constitute your explicit agreement to the new Terms.
Have questions about our Terms?
If you require clarification on any clause or need help setting up your integrations in compliance with local Nepal Rastra Bank directives, our regulatory onboarding team is here to assist.