Terms and Conditions

Terms and Conditions :


 Welcome to PayMyBill


The Global Bitcoin Group.

These are the Terms and Conditions (“Terms”) applicable to all services and products offered on Paymybill. Please read them carefully, as well as our Privacy Policy, before proceeding, as they set out the contractual basis for any transactions occurring on Paymybill. "Paymybill" is an Global Utility bill service providing platform accessible via the website (www.paymybill.co.in)

By continuing to use Paymybill, you (“Customer”) are acknowledging that you have read and agree to the Terms, as well as to the Privacy Policy, when purchasing services and products from Bitrefill.


If you do not agree with these Terms and the Privacy Policy, you are not allowed to continue using Paymybill and we ask you to please refrain from doing so.


1. The Bill Payment Services.

At Paymybill, Customers residing in certain countries may have access to Bill Payment Services, provided in connection with different partners per jurisdiction, as specified below. The Bill Payment Services terms and conditions below are applicable in addition to these Terms.

Access to certain Bill Payment Services in certain jurisdictions may be reserved to Customers with verified accounts (Level 3 and 4).

Please note that, unless otherwise mentioned in the specific bill payment service you are accessing, payment of bills is not immediate and may take some time to confirm.

The Bill Payment Services are provided to Customers by partners authorized to conduct those activities in the respective jurisdiction, as described below.


2. The payment

The Products can be purchased by the Customer either (i) directly with a cryptocurrency, (ii) via a third-party payment provider, in either fiat or cryptocurrency or (iii) via a Paymybill gift card (“Balance Card”) or balance (“Balance”).

Payment with crypto

Customers may choose to pay directly with one of the cryptocurrencies accepted at the time of purchase by Paymybill or by using a third-party crypto payment service that is available at the check-out. These payments may be subject to fees and confirmation time, as stated in Paymybill or in the terms and conditions of such third-party providers.

Payment with fiat

Customers may also choose to pay using their Bank transfer,UPI,Mastercard or Visa payment card. Such payments are processed by a third-party provider, identified on the payment page, whose terms and conditions apply. Paymybill does not have access to your payment details, which are inserted by you directly into the secure payment gateway of the third-party provider.

Any questions related to the Paymybill Balance Card or the Paymybill Balances shall be sent to [email protected].


3. Customer levels.

Customers can shop at Paymybill as Customers of four different levels:

  1. Customers without accounts, by providing on checkout a working email or phone number for delivery of the Products or Services ;

  2. Customers with basic accounts, by registering and verifying an email address with Paymybill.

  3. Customers with verified accounts, by going through our customer due diligence program (powered by SumSub, please check their Terms of Use) and providing a copy of Government-issued photo ID, proof of address and a live selfie;

  4. Verified corporate customers, by going through our corporate due diligence program (powered by SumSub, please check their Terms of Use) and providing incorporation documents, proof of address, information on business, representatives and ultimate beneficial owners.

Only Customers with accounts (levels 2 to 4) are eligible for our Rewards program. Customers without accounts may be able to recover all or part of the rewards for older purchases when they sign up for an account. Only Customers with verified accounts (levels 3 and 4) are eligible for certain Products.

Account levels impact purchasing thresholds and access to certain Products.

Level 3 verification can be done in your account settings. Level 4 verification can be started by emailing us at [email protected].


4. Availability of Third-Party Services.

The proper functioning of Paymybill depends on its interaction with several third-party providers.

Transactions may, from time to time, fail due to technical or other reasons. Customers therefore acknowledge that we may not be liable for a technical issue that may affect their transaction. Whenever a transaction fails due to technical reasons, a Customer may qualify for a refund. Please see the "Refunds" section below to know more.


5. Limitations of use.

We implement certain purchasing thresholds in accordance with our Anti-Money Laundering Policy, depending on the level of account of the Customer. All limits are presented in USD but apply to the equivalent amount in other currencies. Different limits can be implemented on a product by product, or customer by customer, basis, at the request of Product Issuers or discretionarily by us.

Any Customer using more than one Paymybill account, or any other expedient, in order to circumvent the limits below, is in breach of these Terms and can have its account, or accounts, suspended until customer due diligence is successfully completed.

To the extent necessary under applicable laws and regulations or our internal policies, such illegal circumvention of the use limitations may be reported to the relevant authorities, whenever it reveals, in our sole understanding, signs of suspicious activity.


6. Refunds.

As explained above in “Availability of Third-Party Services”, the purchase of Products through Paymybill depends on the proper functioning of third-party systems.

Therefore, from time to time, the failure of such systems may cause a transaction to fail, meaning:

  • The Customer did not receive the Product;

  • The Product was received, but cannot be redeemed on account of it having been previously redeemed; or

  • The Product was received, but cannot be redeemed on account of it not being valid.

In case the Customer does not receive the Product after having paid and appropriate diligences are made by us to provide for the delivery of the Product or understand the cause of the delay, the Customer may request for a refund.

In case the Product was received but cannot be redeemed, the Customer shall inform us. We will then start appropriate diligences with the relevant third-party providers in order to correct the issue. Should the third-party provider fail to correct the issue and agrees to refund us, we will then refund the Customer.

Please note that due to the nature of the Products, the Customer does not have a cooling-off period of any kind after acquiring an unsealed Product or after unsealing a sealed Product. Once a Product is unsealed, no refunds or reimbursements will be offered unless in the cases where the product delivered is invalid or had already been redeemed prior to delivery.

In case of technical error causing the Product not to be delivered to the Customer, we will refund the Customer in full by crediting its Paymybill Balance or with a return transaction in the same cryptocurrency.

In case of overpayment, a Customer may also request a refund in the amount paid in excess, deducted from any transaction fees.

In case of underpayment, a Customer may (i) pay the outstanding amount and receive the Product, (ii) ask for a refund in the same cryptocurrency to the same wallet, deducted from any transactions fees or (iii) ask for a refund in their Paymybill Balance.

Refunds must be requested within 30 days from the date of the transaction. After 30 days, the decision to issue a refund or not is made at the sole discretion of Paymybill.

Please note that we do not, in any event, refund any transaction fees paid by the Customer that are specific to the payment option selected by the Customer.

We reserve the right to refuse refunds when the costs of refunding exceed the amount to be refunded. The amount of time required to process any refunds request will vary and may take some time.

We also reserve the right to ask you for further information before issuing refunds.

For the purposes of requesting a refund or any further information, the Customer shall contact [email protected] or use the chat available at Paymybill.


7. Paymybill Rewards

The Paymybill Rewards program is a rewards program aimed at rewarding Customers for their loyalty to Paymybill.

Whenever a Customer makes a Qualified Purchase, the Customer will be awarded the equivalent to a percentage of the amount of the Qualified Purchase in Global Bitcoin (the “Reward”), that will be deposited in the Customer’s Paymybill Rewards account.

A “Qualified Purchase” is a purchase made by a Customer with an account, by any means of payment accepted by Paymybill (except payment with the balance of the Customer’s Paymybill Rewards account), of a Product that is not an Excluded Product.

Excluded Products” means any Thor products, Paymybill Balance Cards, and any other Products that Paymybill, from time to time, chooses to exclude.

The amount of the Rewards may vary from product to product and Paymybill retains the right to establish and subsequently increase, decrease or eliminate the reward given for any Product, as well as to suspend or terminate the program at any time, for a particular Customer or for all Customers.

The Reward amounts earned by a Customer cannot be withdrawn, transferred or assigned, and can be used exclusively to purchase Products at Paymybill


8. Responsibility of the Customer.

The Customer is fully liable for any mistakes, losses or damages (against himself, us, or any third-party) arising from (i) the provision of incorrect, inaccurate or fake information and from (ii) the acquisition, resale, use or other related activities of the Product, in a manner that infringes any applicable laws, regulations, contractual terms and conditions or other agreements.

For the avoidance of doubt, when the Product being purchased is a refill of a prepaid SIM card (or any other Product that is redeemed by the Customer through Bitrefill), the Customer is solely responsible for the accuracy and correctness of the information inserted on the platform (including, but not limited to, the phone number, the country, the network operator and the amount of the top-up) and we shall not be liable, in any case, for any consequences arising from the inaccuracy of the elements provided by the Customer.

Likewise, in other cases, the Customer is solely responsible for the accuracy, validity and correctness of the information inserted on the platform (including, but not limited to, the email address to which the Product must be delivered and the amount purchased).

The Customer is responsible for maintaining the confidentiality of its password and account and for any activities and transactions that occur under its account. Each customer must have unique login credentials that may not be shared by multiple customers.

We shall not be liable to any person for any loss or damage which may arise as a result of any failure by you to protect your password or account. If you suspect there has been unauthorized access to your account, contact [email protected] immediately.


9. Unlawful use.

Paymybill and the Products shall not be used, in any way, to infringe or circumvent the applicable laws and regulations and any unlawful behavior is absolutely forbidden on Paymybill.

Should we become aware, or reasonably suspect, that a Customer is conducting unlawful activities, or otherwise breaking applicable laws and regulations, or third-party rights, such Customer activities, including but not limited to its purchase history and other data pertaining to its account, will be reported to the relevant authorities, and its access may be restricted until further notice.

Any such Customer hereby acknowledges and consents to such disclosures.

Paymybill is also entitled to freeze any existing balances and/or accounts for as long as needed for the purpose of investigating suspicious behavior. We may be required to not disclose any such ongoing investigations to Customers, in which case we will keep them confidential. Any funds held as credit in Paymybill and found to be proceedings of crime may be seized and delivered to legal authorities.

Customers are intended end-users of the Products. If you want to purchase Products for resale, please reach out to us at [email protected] and we will guide you through the process. If we suspect you are buying Products for resale, we may freeze your account until you verify as a Corporate Customer.

Furthermore, Customers agree to not abuse the paymybill platform by:

  • engaging in actions which impose an unreasonable or disproportionately large load on our infrastructure;

  • employing uses of robots, spider or other automated means to access, or when accessing, paymybill;

  • interfering with, intercepting, modifying or expropriating any system, data, or information from Paymybill serves;

  • transmitting or uploading any material that contains viruses, trojan horses, worms, or any other harmful or deleterious programs;

  • attempting to gain unauthorized access to the Paymybill Services, other Paymybill accounts, computer systems, or networks connected to the Paymybill servers through password mining or any other means.

10. Limitation of Liability.

Some jurisdictions limit the ability to disclaim liability. With regard to those jurisdictions, our liability shall be limited to the greatest extent permitted by applicable law.

Our team. No members of our team (including employees, contractors, directors, management members and other collaborators) shall have any liability based upon customer’s use of, or reliance upon, Paymybill or the Products purchased.

Customer decisions. For the avoidance of doubt, we are not responsible for any decision you make, or action you take, based on your visit to Paymybill or the information obtained therein.

Accuracy of information. We shall not be liable to any person for any loss or damage which may arise from the use of any of the information contained in any of the materials on Paymybill.

Security. We work hard to keep Paymybill secure. We accept no responsibility whatsoever for viruses, malware or other malicious or damaging software on Customer’s devices. Please ensure that your own computer security is comprehensive and up to date.

Third-party content. This website may include links to third-party websites, plug-ins and applications. For example: if we link you to a tweet on Twitter, or to a post on Medium, or to the Terms & Conditions page of one of the Issuers of the Products, from the moment you click on that link, we are no longer responsible for the content you are seeing or have access to. We do not control these third-party websites and do not accept any responsibility whatsoever for third-party sites available through Paymybill, via hyperlink or otherwise, nor their respective contents, hyperlinks or security flaws. We encourage any Customer to review the terms of use applicable to those sites. Any access to, or use of, a third-party site is solely at the Customer's own risk.


11. Personal Data Protection and Privacy.

We take the privacy and protection of the personal data of our Customers very seriously.

Customers shall visit and review our Privacy Policy to know more about how we process and protect their data and shall not proceed with using Paymybillif it does not agree and consent with it.


12. Amendments to the Terms.

We reserve the right to amend these Terms at any point, without any obligation of prior and/or public notice. As such, Customers shall refer to the present hyperlink before each navigation of Paymybill.


13. Intellectual Property.

We reserve all rights with respect to the design and content of Paymybill. In particular, Customer must not misappropriate the design or content of Paymybill and must not alter or deface such design or content in any way. Nothing on Paymybill grants any license with respect to such design or content and any use by the Customer or a third-party must be authorized in writing by us.

Bitrefill grants no license to use any such text, photos, graphics, logos, content and other materials.

We and our affiliates will pursue all available legal remedies against any infringement of our intellectual property rights.

Excepted from the foregoing are the logos and trademarks used to signal the third-party providers to which each Product refer to. Such logos and trademarks are used to make reference to the Product and the Issuer, and in no way are we claiming, or representing, any sort of ownership, license, authorization, partnership or agreement with the owners or holders of the rights of such logos or trademarks, the Products or the Issuers. Such logos and trademarks belong to their lawful owners and are used in Paymybill with the sole purpose of identifying the origin or intended use of the Product on sale.


14. Customer service.

We welcome our Customer’s questions and suggestions.

On Paymybill, there is a chat function that allows Customers to connect with a customer service representative that will reply to any queries in the shortest time possible.

We do our best to reply within the first 24 hours, but we may take longer, depending on the issue and the number of requests we are getting from time to time.

In case the Customer, for any reason. needs to get in contact with us, please use the following address – [email protected].


15. Miscellaneous.

If it is illegal or prohibited in the Customer’s country of origin to access or use Paymybill, or to buy or use any of the Products, then the Customer shall not do so and in doing so is breaching these Terms.

Those who choose to access Paymybill access it on their own initiative and are responsible for compliance with all local laws and regulations.

You should be at least 16 years old (or higher, if a higher age is required in your juridisction in order for you to be able to legally conclude a contract) to use Paymybill services, or otherwise duly authorised and supervised by your parents.

These Terms, the transactions between Customers and us made through Paymybill, and any disputes relating to these Terms or the Customer’s use of Paymybill, shall be governed in all respects by the laws of Sweden and shall be resolved exclusively in the courts of Sweden.

These Terms, together with the Privacy Policy and Cookie Policy, set forth the entire agreement between the Customer and us with respect to the subject matter hereof and supersedes all prior agreements relating to such subject matter. They remain in force for as long as you remain a Customer.

All our team members, including officers, employees and contractors, and related entities, are intended third-party beneficiaries of these Terms. Theirs, and our rights under these Terms may be waived by them or by us only in writing.

In the event any provision of these Terms is determined to be invalid or unenforceable, such provision shall be deemed severed from the remainder of these Terms and replaced with a valid and enforceable provision as similar in intent as reasonably possible to the provision so severed, and shall not cause the invalidity or unenforceability of the remainder of these Terms.