Effective Date: October 8, 2026
Last Updated: October 8, 2026
Payvika India Technology Pvt. Ltd. ("Company", "We", "Our", or "Us"), a Private Limited Company incorporated under the Companies Act, 2013, operates the mobile application "PayVika" ("App", "Mobile Application") and the web portal login.payvika.com ("Platform").
Registered Office:
D36 S/F Ganesh Nagar, Pandav Nagar Complex, New Delhi, 110092, India.
Corporate Office:
Khasra No. 150, A2Z Road, Almaspur, Muzaffarnagar, Uttar Pradesh - 251001, India.
Support Email:
support@payvika.com
Helpline:
+91 9997143005
PayVika provides digital financial technology services, including but not limited to Domestic Money Transfer (DMT), Aadhaar Enabled Payment System (AEPS), Bharat Bill Payment System (BBPS), Mobile & DTH recharges, and related payment utility services ("Services").
We are committed to safeguarding your privacy and protecting any personal or financial information you share with us. This Privacy Policy outlines our practices regarding the collection, storage, usage, processing, and disclosure of your personal data.
This Privacy Policy is an electronic record published in accordance with:
The Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.
The Digital Personal Data Protection Act (DPDP Act), 2023.
Applicable Reserve Bank of India (RBI) guidelines, NPCI standards, and Prevention of Money Laundering Act (PMLA) regulations for financial transactions.
Google Play Store Developer Policies regarding User Data, Permissions, and Account Deletion.
To provide seamless and secure financial services, we may collect the following categories of information:
User Details: Full name, mobile phone number, email address, date of birth, residential/business address, and shop/business details.
KYC Documentation: Government-issued identification numbers and document images, including PAN Card, Aadhaar Card, and Business Registration documents, as mandated by regulatory authorities for merchant/retailer onboarding.
Bank account number
IFSC code
Transaction reference IDs
Beneficiary account details
Wallet balances
Recharge and bill payment history
Commission statements
Note: Sensitive payment authorization data such as ATM PINs, MPINs, or UPI PINs is processed through secure, NPCI/PCI-DSS compliant partner gateways and is never stored on our servers.
We may collect:
Device model
Device manufacturer
Operating system version
Unique device identifier, such as IMEI/Android ID where applicable
IP address
Network carrier information
Crash and diagnostic logs
This information may be used for security, fraud prevention, troubleshooting, and performance optimization.
Camera & Gallery:
Used solely with explicit user permission to capture or upload KYC documents, such as Aadhaar/PAN card images, and shop/profile photographs.
Location (Coarse/Fine):
May be required during certain financial transactions, including AEPS and BBPS transactions, for fraud prevention, transaction security, and applicable regulatory or geotagging requirements.
Phone / SMS (Optional):
May be used for auto-detecting One-Time Passwords (OTPs) during secure authentication, where permitted by the device and applicable platform policies.
Notifications:
Used to deliver important transactional alerts, balance updates, service notifications, and account security notifications.
We process your personal information for legitimate business, service, security, and regulatory purposes, including:
To authenticate logins, process mobile and DTH recharges, transfer funds, execute bill payments, and settle merchant wallets.
To verify retailer and distributor identities as required under applicable financial compliance laws and regulations.
To monitor suspicious login attempts, prevent identity theft, detect unauthorized transactions, and protect against cyber threats.
To resolve complaints, transaction disputes, refunds, technical issues, and customer service inquiries.
To maintain records required under applicable tax, GST, PMLA, RBI, and other regulatory or audit requirements.
We do not sell, rent, or trade your personal data to third parties for marketing or advertising purposes.
Your information may be shared only when necessary for providing our Services, complying with legal obligations, or protecting our users.
Information may be shared with relevant financial and payment partners, including:
National Payments Corporation of India (NPCI)
Partner banks
BBPS and biller networks
Licensed payment aggregators
Other authorized financial service providers
Such sharing is limited to what is necessary to execute or support requested transactions.
We may use trusted service providers for:
Cloud infrastructure
Data storage
SMS and OTP delivery
Technical infrastructure
Security and fraud prevention
Our infrastructure may include Amazon Web Services (AWS) and authorized telecom/SMS service providers.
Personal information may be disclosed when required by applicable law, court orders, regulatory requirements, or lawful requests from authorities including:
RBI
FIU-IND
GST authorities
Law enforcement agencies
Courts and other statutory authorities
We take reasonable technical and organizational measures to protect personal and financial information.
Communications between the PayVika App and our servers are protected using secure HTTPS/TLS encryption. Sensitive information stored within our systems is protected using appropriate industry-standard security measures.
Our infrastructure may be hosted on secure cloud infrastructure such as Amazon Web Services (AWS) and protected using appropriate security controls, including access controls, firewalls, monitoring, and authentication mechanisms.
PayVika does not request or intentionally store banking passwords, ATM PINs, UPI PINs, or similar sensitive payment authorization credentials on its servers.
In accordance with applicable privacy requirements and Google Play's Account Deletion requirements, users may request deletion of their PayVika account and associated personal data.
You may submit an account deletion request through our dedicated portal:
Account Deletion Portal:
https://login.payvika.com/delete-account
Alternatively, you may email our support team:
Email: support@payvika.com
Please use the subject line:
Account Deletion Request - [Your Registered Mobile Number]
Subject to applicable legal and regulatory retention requirements, information such as the following may be deleted or anonymized:
User profile information
Login credentials
Authentication tokens
Profile images
Uploaded KYC photographs
Other eligible personal information associated with the account
Deletion requests are generally processed within 7–14 business days, subject to verification and applicable legal requirements.
Certain information may need to be retained for a legally mandated period.
For example, financial transaction records, invoices, statutory records, audit logs, and other information required for compliance may be retained as required under applicable laws, including PMLA, tax laws, RBI requirements, or other regulatory obligations.
PayVika's financial services and applications are intended strictly for individuals 18 years of age or older who are legally capable of entering into binding contracts.
We do not knowingly solicit or collect personal information from minors.
If we become aware that personal information has been collected from a minor without appropriate authorization, we will take reasonable steps to delete such information, subject to applicable legal requirements.
We may periodically update this Privacy Policy to reflect changes to our:
Services
Technology
Business practices
Security measures
Applicable laws and regulations
Any modifications will be posted directly on this page along with an updated "Last Updated" date.
We encourage users to periodically review this Privacy Policy to remain informed about how we collect, use, and protect personal information.
For questions, concerns, complaints, or grievances regarding this Privacy Policy, your personal data, or our data practices, you may contact our designated grievance/privacy contact.
Company:
Payvika India Technology Pvt. Ltd.
Grievance / Privacy Officer:
Compliance Desk
Email:
support@payvika.com
Phone / Helpline:
+91 9997143005
Working Hours:
Monday to Saturday, 10:00 AM – 6:30 PM IST
Corporate Office:
Khasra No. 150, A2Z Road, Almaspur, Muzaffarnagar, Uttar Pradesh - 251001, India.
If you have any questions regarding this Privacy Policy or the handling of your personal information, please contact:
Payvika India Technology Pvt. Ltd.
Email: support@payvika.com
Helpline: +91 9997143005
Last Updated: October 8, 2026