Four rules shape account access
Our legal posture starts with location, age under local rules, identity proof and transaction records. We do not state universal access across India; eligibility depends on local law and is available where local law permits. When you open an account, we may ask for KYC documents,
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mobile confirmation and wallet receipts so that the account name, UPI handle, Paytm entry or PhonePe record can be matched. These checks also help us decide payout disputes, suspicious access reports and account recovery requests. If a rule changes, we may adjust access, pause certain functions
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or ask for fresh proof. This page explains the approach in plain language, while the terms shown during the account flow remain the record that applies to your account.
Service availability depends on jurisdiction. It is the user's responsibility to check local law before access.