Bill Payment

1. Service Overview
We provide a platform to access the Bharat Bill Payment System (BBPS) through our integration with Bharat Connect, a BBPS-approved operating unit. Users can view bill categories, select billers, fetch bills (if supported), and make real-time payments.

2. Bill Categories
Available bill payment categories include, but are not limited to:

  • Postpaid Mobile
  • Fastag Recharge
  • Water Bill
  • Electricity Bill
  • Gas (PNG/LPG)
  • Broadband/Landline
  • Loan EMI
  • Insurance
  • Subscription Services

Categories and billers are dynamically updated based on listings from Bharat Connect and BBPS.

3. Biller Listing & Input Requirements
After selecting a category, the platform fetches the latest list of billers under that category. Each biller may have specific input fields (such as mobile number, account number, consumer ID, etc.) that must be filled by the user. Inputs and field descriptions are provided as per data updated by the biller through Bharat Connect.

4. Payment Flow
Based on the biller configuration, the user may either:

  • Fetch the bill amount (if supported) before payment, or
  • Make a direct payment by entering the desired amount.

The platform processes all transactions in real-time via Bharat Connect APIs.

5. Transaction Status
Transaction status (Success, Failure, Pending) is updated based on the real-time response from the biller or Bharat Connect. In some cases, transactions may remain pending due to delays on the biller’s side. The final status is updated once confirmation is received.

6. Charges and Fees (Updated)
There are no hidden charges imposed by our platform. Any applicable convenience fee, payment gateway charge, or surcharge will be:

  • Displayed transparently before the transaction confirmation screen.
  • May vary depending on the selected payment method (e.g., UPI, debit card, credit card, net banking).
  • May also vary based on the selected bank or payment provider.

These charges are set by the biller, Bharat Connect, or the integrated payment gateway—not by us.

7. Refund & Failed Transactions
In case of failed or pending transactions:

  • The amount is either auto-refunded or adjusted upon final status confirmation.
  • Refunds (if applicable) will be initiated as per BBPS/Bharat Connect guidelines.

8. Complaint & Dispute Handling
If a user has issues with a transaction or service, they can:

  • Raise a complaint directly with Bharat Connect using the official complaint form or support system.
  • Track the complaint status through our website using the transaction ID or complaint ID.

We also provide a complaint tracking facility within our platform for user convenience.

9. User Responsibility
The user must ensure:

  • Correct selection of category and biller.
  • Accurate entry of biller input fields (account number, mobile number, etc.).

We are not liable for payments made to the wrong biller or account due to user error.

10. Data Sharing & Privacy
Your data (including mobile number, account ID, and payment details) is shared only with authorized systems of Bharat Connect and BBPS in encrypted form for transaction processing. No personal data is stored or shared with any unauthorized third party.

11. Platform Liability
We act only as a technology service provider integrating with Bharat Connect. We are not liable for:

  • Delays or failures caused by the biller or Bharat Connect.
  • Discrepancies in bill amounts or incorrect bill information from the biller.
  • Any service interruptions outside our control.

12. Modifications
The platform reserves the right to modify these terms and the BBPS interface at any time without prior notice. Continued use of the BBPS service after updates implies acceptance of the revised terms.

13. Governing Law & Jurisdiction
All disputes related to BBPS payments are governed by applicable Indian laws and BBPS regulatory guidelines. The jurisdiction for legal matters, if any, will be the city where our company is legally registered.

Bus Booking (Domestic)

1. Service Scope
Our platform enables users to book intercity and intracity bus tickets through multiple partnered bus suppliers. Users can search, view, and book available buses based on departure and arrival locations and selected travel dates.

2. Search & Availability
Users must enter a valid departure city, arrival city, and travel date to initiate a bus search. The system fetches and displays all available buses from different suppliers (operators) for the selected route and date. Availability is fetched in real-time and may vary based on seat inventory updates from suppliers.

3. Supplier Listing
The bus list shown is directly provided by multiple suppliers integrated through APIs. The platform does not operate or control the buses listed; we act only as an intermediary between the user and the supplier.

4. Selection of Boarding and Dropping Points
After selecting a bus, the user must choose a boarding (pickup) and dropping (drop-off) point from the list provided by the selected supplier. Pickup and drop locations are determined by the operator and vary across buses.

5. Seat Selection
Users can select preferred seats from the seat layout, depending on availability. A maximum of 5 or 6 passengers per booking is allowed, based on bus operator restrictions and system configuration. Special categories such as female-only seats may apply based on operator rules.

6. Passenger Information
Users must enter correct details including:

  • Passenger name(s)
  • Gender
  • Age
  • Contact number
Accuracy of this information is the user’s responsibility. Incorrect data may result in denied boarding without refund.

7. Cancellation Policy
Each bus operator has its own cancellation rules, which are shown to the user before final booking confirmation. These rules may include:

  • Full or partial refund depending on the time of cancellation before departure.
  • Zero refund for last-minute or post-departure cancellations.
Users should review and accept these cancellation terms before proceeding.

8. Booking Review and Confirmation
Before final submission, users must review:

  • Selected seats and passenger information
  • Pickup and drop details
  • Total fare, taxes, and applicable cancellation terms
Upon confirmation, the system attempts to book the selected seats via the supplier API.

9. Booking Status
Once payment is completed, the booking can have one of the following statuses:

  • ✅ Success: Seats confirmed, ticket generated, and sent to user via SMS/email.
  • ⏳ Pending: Booking is under processing due to fare verification, seat availability, or supplier delay.
  • ❌ Failed: Booking could not be completed due to fare jump, unavailable seats, or payment error.

10. Fare Change Handling
Fares shown during the initial search are fetched in real-time but are subject to change. If a fare jump occurs between selection and confirmation, the booking may fail or require re-confirmation. The updated fare will be displayed to the user, who must approve it before proceeding again.

11. Refunds and Cancellations
For failed bookings, the paid amount is automatically refunded within 3–7 business days depending on the payment method. For cancelled bookings, refunds will be processed after deducting applicable cancellation charges as per the operator’s policy. The remaining amount (if any) is refunded to the original payment source. Refund timelines may vary based on banking procedures and operator approval.

12. Customer Support & Complaint Handling
For any booking issues or post-booking problems:

  • Users can contact our customer support team.
  • Users can also raise a complaint directly with the bus supplier through their complaint process (if available).
  • Complaint tracking is available on our website/app using booking or complaint reference ID.

13. Limitation of Liability
Our platform is a facilitator and is not responsible for:

  • Bus delays, route changes, or bus breakdowns
  • Operator behavior, bus condition, or boarding issues
  • Service quality or experience during the journey
All such matters are the responsibility of the respective bus supplier/operator.

14. Data Privacy and Security
User data is collected only to process bookings and provide necessary communication (e.g., ticket confirmation). We follow best practices to ensure secure data handling and do not sell or misuse user information.

15. Pricing Transparency
All fares displayed include base fare, applicable taxes, and any service or convenience charges. No hidden fees are applied beyond what is shown on the review page before final payment.

16. Changes to Terms
These terms and conditions may be updated at any time without prior notice. Users are advised to review the latest terms before making a booking. Continued use of the platform implies acceptance of the current version of the Terms & Conditions.

Flight Booking (Domestic & International)

1. Flight Search Types
Users can search for either one-way or roundtrip flights for domestic or international destinations.

2. Live Flight Listings
Flight results are fetched in real-time based on the user's selected source, destination, and travel date. Adimudra displays options from multiple airlines as per availability.

3. Dynamic Pricing
Flight prices are dynamic and updated every 9 to 10 minutes. Fares may increase or decrease without prior notice, depending on the airline and market conditions.

4. Flight Fare Lock/Availability
No fare is guaranteed until the booking is confirmed. Price jumps or unavailability may result in booking failure or delay. Fares may change during booking due to airline/hub pricing updates.

5. Baggage and Cancellation Policies
Each airline has its own baggage allowance and cancellation/refund policies. Users are advised to review these before confirming the booking.

6. Review Booking
During the "Review Booking" step, users can:

  • Select preferred seat
  • Add extra baggage
  • Choose meals
  • Add other optional services (if available)

All of the above may include additional charges set by the airline.

7. Passenger Details
Users must provide accurate information such as:

  • Full Name (as per ID/passport)
  • Date of Birth (DOB)
  • Passport details (for international flights)
  • GST input (if applicable)

For international travel, passenger documents must comply with Timatic to avoid boarding denial.

8. Insurance and Visa Services
Adimudra does not provide travel insurance or visa services for any flight booking.

9. Time-Limited Booking Window
Once the user proceeds to the payment page, they have 10 minutes to complete the payment. After 10 minutes, the fare and seat availability may change.

10. Booking Status
Booking may result in:

  • Success – Confirmed ticket issued (email confirmation sent)
  • Pending – Awaiting airline confirmation
  • Failed – Booking unsuccessful due to fare jump, unavailability, or timeout

11. Email Confirmation
Upon successful booking, users will receive an email with full ticket details.

12. Booking Cancellations
Users can cancel flights directly on the Adimudra website. However:

  • Refunds and charges depend on the airline’s cancellation policy
  • Adimudra will not charge any additional cancellation fee unless clearly shown at the time of booking

13. Refund Process
Refund amount and timeline depend on:

  • Airline processing time
  • Cancellation date/time vs. flight departure
  • Mode of payment used

14. Limitations of Responsibility
Adimudra is a booking facilitator and is not responsible for flight delays, baggage loss, airline strikes, or operational changes. All airline policies are governed by their respective terms.

Hotel Booking (Domestic & International)

1. Search and Hotel Selection
Users can search for hotels by city or hotel name. The platform displays a list of hotels with availability based on user input (adults, children, dates). Room options, amenities, and total pricing are shown based on the occupancy and dates selected.

2. Room Prices and Availability
All prices displayed are dynamic and subject to availability. Prices may increase during the booking process due to demand, room availability, or hotel updates. A room may get sold out even after selection if the user does not complete payment quickly.

3. Booking Process
The booking is considered confirmed only after full payment and receipt of confirmation via SMS/email. In case of failure during booking due to price jump or unavailability, the user will be notified immediately.

4. International Hotel Bookings
All international hotel bookings are priced in INR or the local currency equivalent, based on exchange rates. Travelers are responsible for complying with international travel regulations, including valid visa, valid passport, and compliance with the destination country's COVID-19 and immigration rules. Check-in and check-out times follow the local time zone of the hotel.

5. Hotel Responsibility
Adimudra acts only as an intermediary. All services such as room condition, hotel amenities, and customer service are provided by the hotel. For international hotels, local standards and service quality may differ from Indian expectations.

6. Cancellation and Refund Policy
Cancellation policies vary by hotel and are displayed before booking. Policies may include:

  • Fully refundable if cancelled before a specified time.
  • Partially refundable with deductions.
  • Non-refundable, where no refund is granted after booking.
Refunds, if eligible, are processed according to hotel policy and timelines. Adimudra does not guarantee faster refunds for international bookings, which may take 7–21 working days depending on the payment provider and country.

7. User Responsibility
Users must ensure all guest names and details are correct and carry valid photo ID (for Indian hotels) or passport and visa (for international hotels).

8. Booking Modifications
Modification of booking dates, names, or room type is subject to hotel approval and any applicable charges. For international hotels, modification requests must be made at least 72 hours before check-in.

9. Force Majeure
Adimudra is not liable for delays, cancellations, or booking failures caused by events beyond its control, including:

  • Natural disasters
  • War or political unrest
  • Government restrictions
  • Airline delays or cancellations affecting hotel check-in

Prepaid Recharge

1. Service Overview
The user must enter a valid 10-digit prepaid mobile number. After entering the number, the user must select the correct telecom operator (e.g., Jio, Airtel, Vi, BSNL). Based on the number and operator, available recharge plans are shown (data, talktime, combo, unlimited, etc.). The user selects a desired plan and proceeds with payment.

2. User Responsibilities
The user is solely responsible for:

  • Entering the correct mobile number.
  • Selecting the correct operator and plan.
  • Recharge once processed cannot be cancelled or refunded, even if the wrong number/operator is entered.

3. Recharge Processing
Recharge is processed instantly after successful payment. Sometimes recharge may be delayed due to telecom network issues or technical downtime. Recharge status (success/pending/failed) will be shown to the user after processing.

4. Recharge Failure & Refund
If the recharge fails due to a technical reason and the amount is deducted:

  • A refund will be issued within 3–7 working days to the original payment method.
  • No refund will be issued if recharge is successful but user entered wrong number or wrong operator.

5. Plan Information
The recharge plans and prices are fetched from telecom operators and are subject to change without notice. Adimudra is not responsible for plan mismatch or benefit changes done by the operator after recharge.

6. Payment Gateway
Payments are processed through secure and authorized payment gateways. Accepted payment methods include UPI, Net Banking, Debit/Credit Cards, Wallets. Additional gateway charges or convenience fees may apply and are shown before final payment.

7. Transaction Confirmation
A confirmation message/SMS/email is sent to the user after successful recharge. The user must ensure their contact details are correct to receive the confirmation.

8. Operator Terms
All recharges are processed through respective telecom operator systems. The user is also bound by the terms and conditions of the selected operator (e.g., Jio, Airtel). Benefits such as validity, data speed, or SMS count are controlled by the operator.

9. Limitations and Liability
Adimudra acts as a service facilitator and is not responsible for:

  • Operator downtime
  • Plan benefits
  • Recharge delays from operator side
In case of any disputes, Adimudra will support resolution but the final decision lies with the operator.

10. Security and Fraud Prevention
Suspicious transactions or bulk automated recharges may be blocked for security. User accounts can be suspended for misuse, fraud, or violation of terms.

Payment Gateway

1. Overview
Adimudra provides a secure and convenient payment gateway to facilitate payments for services such as BBPS bill payments, flight bookings, hotel reservations, bus tickets, holiday packages, prepaid recharges, and more.

2. Supported Payment Methods
Users can make payments using multiple options including but not limited to:

  • Wallets (Paytm, PhonePe, Mobikwik, etc.)
  • UPI (Google Pay, BHIM, PhonePe, etc.)
  • Net Banking (All major banks)
  • Debit Cards (Visa, MasterCard, RuPay, Maestro)
  • Credit Cards
  • Other payment methods enabled by the payment gateway

3. Applicable Charges
Depending on the selected payment method or issuing bank, convenience fees or transaction surcharges may apply. All such charges, if any, will be clearly displayed to the user prior to payment confirmation.

4. Transaction Status
After a payment attempt, the transaction status will be one of the following:

  • Success: Payment is confirmed and the associated service will be processed immediately.
  • Pending: Payment has been initiated but confirmation from the bank or payment gateway is awaited.
  • Failed: Payment was unsuccessful. No service is processed and users should retry or select an alternative payment method.

5. Refund Policy & Timeline
If the payment amount is deducted but the transaction fails:

  • The deducted amount will be auto-credited back to the original payment source within the timeframe defined by the bank or payment gateway.
  • Refund timelines based on payment method:
  • UPI: Up to 5 working days
  • Debit/Credit Cards: Up to 7 working days
  • Net Banking and others: 7 to 10 working days
Users should wait at least 5 working days post transaction date and check their bank statements. If the refund is not credited within this period, users can report the issue via our support channels. For faster resolution, please provide the UTR (Unique Transaction Reference) number and transaction date.

6. User Responsibility
Users must ensure all payment details entered are accurate and complete. Users should verify the payment amount, service details, and selected payment method before confirming the transaction.

7. Transaction Confirmation
A confirmation (success or failure) will be sent via email and/or SMS. Users are advised to retain this confirmation for future reference.

8. Limitations
Adimudra acts only as a payment facilitator and is not responsible for delays or failures caused by third-party payment processors or banks.