Terms of Conditions and Service

Please read the following terms and conditions carefully before registering, accessing, browsing, downloading or using the app. By accessing or using the app or by using the service, you agree to be bound by these terms and conditions set forth below including any additional guidelines and future modifications. If at any time you do not agree to these terms and conditions or do not wish to be bound by these terms and conditions, you may not access or use the app and immediately terminate your use of the services.

Your Agreement to these Terms and Conditions of Service

The Terms and Conditions (as may be amended from time to time, the "Agreement") is a legal contract between you, an individual customer, member, user, buyer, or beneficiary of this service of at least 18 years of age ("You"), and Infisync Labs Private Limited having its registered office at A-401, Kukreja Plaza, Sector-11, CBD Belapur, Navi Mumbai 400614. Pointshelf is a platform owned by Infisync Labs Private Limited (hereinafter referred to as "Infisync Labs"). Infisync Labs is the owner of the website www.pointshelf.com, Pointshelf mobile app, Pointshelf IVR, Pointshelf WAP site (Collectively referred to as "Pointshelf") hence all the rights, benefits, liabilities & obligations under the following terms & conditions shall accrue to the benefit of Infisync Labs (together with its subsidiaries and other affiliates, "us", "we", or "Pointshelf"), regarding Your use of our mobile payments services to pay merchants for the goods or services offered by them. The Pointshelf mobile app (known as the "App") and Service is subject to your compliance with the terms and conditions set forth below including all exhibits. Pointshelf reserves the right, at its sole discretion, to revise, add, or delete portions of these terms and conditions any time without further notice. You shall re-visit the "Terms & Conditions" link from time to time to stay abreast of any changes that the "App" may introduce. The services hereunder are offered by Pointshelf.

About Pointshelf

Pointshelf enables you to pay on your smartphone when you eat out, shop or commute. We are a payments service provider only. Pointshelf does not sell any other goods or services and is only a payment mechanism for goods and services sold by merchants who have signed up on Pointshelf. Pointshelf is not a warrantor, insurer, or guarantor of the goods & services provided by the merchants. Any disputes regarding the quality, cost, expiration, or other terms of the goods or services purchased must be handled directly between You (or the recipient of the good or service) and the merchant.


The services are not available to persons under the age of 18 or to anyone previously suspended or removed from the services by Pointshelf. By accepting these Terms & Conditions or by otherwise using the Services or the App, You represent that You are at least 18 years of age and have not been previously suspended or removed from the Services. You represent and warrant that you have the right, authority, and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement. You shall not impersonate any person or entity, or falsely state or otherwise misrepresent identity, age or affiliation with any person or entity.

Registration for Pointshelf

Getting started with Pointshelf

When you sign up for Pointshelf, you are creating a Pointshelf Account that is associated with your email address & mobile number that is registered as the primary contact with your credit or debit card provider. Depending on the Services of Pointshelf you use, you may be asked to provide information such as your name, Payment Instrument information (your Credit card or Debit card number & card expiration date, bank name, IFSC code and account number for the account, if applicable), date of birth, and/or your PAN number. We may verify your registration information with a third party verification vendor. In some cases, we may ask you to send us additional information, such as a copy of your driver's license or passport, or to answer additional questions to help us verify your identity. The information you provide will be used by us to determine if you are eligible to begin and/or continue to use Pointshelf Services. Provision and use of such data is subject to the Pointshelf Privacy Policy, as described more fully in Section 7 below.

Payment processing service

General Description

Pointshelf may allow you to make Payment Transactions:- (i) in-store using the Pointshelf application which resides on your mobile device or (ii) online at certain merchants, in each case, using your Payment Instruments which are stored on Pointshelf servers or hosted by a third party provider designated by Pointshelf. Pointshelf may also enable you to store your Payment Instruments on Pointshelf's or its third party provider's servers. You can also access your Payment Instruments and transaction history of those transactions where the payments have been made through the Pointshelf app. The Pointshelf Service also enables you to access Offers, Loyalty Programs, and other items which you have saved to Pointshelf. Pointshelf gives you the ability to make purchases at participating merchant locations or on participating merchant websites or applications. Pointshelf will charge your Payment Instruments stored on Pointshelf's or third party provider's servers for transactions using the Pointshelf Service.

Getting Started with Pointshelf

In order to use the Processing Service, you must complete all required information elements on the Pointshelf registration pages. You must register a valid Payment Instrument (Credit card, debit card or netbanking account) to make Payment Transactions. Pointshelf does not make any representation or verify that any of your Payment Instruments are in good standing or that the issuer of your Payment Instrument will authorize or approve any purchase of Products from a merchant when you use the Pointshelf app in connection with that purchase. Pointshelf, in its sole and absolute discretion, may refuse to approve or may terminate existing registrations for the Processing Service with or without cause or notice, other than any notice required by any Applicable Law, and not waived herein.

Using Pointshelf

The Buyer can use Pointshelf as follows: Mention the Buyer's mobile number or any other unique identifier as designated by Pointshelf to the Seller (Merchant) or their representatives. Or alternatively, checking to the Merchant and ask the merchant's representative for the Pointshelf code and enter the same into the app. The bill or tab then appears on the Buyer's phone. The Buyer can then select any of the saved Payment Instruments or add a new Payment Instrument to make the transaction. The online payment process specific to your Payment Instrument will then be implemented. On transaction confirmation both the Buyer and the merchant are notified of the payment. By using your Pointshelf app using the method described above to make Payment Transactions, you authorize Pointshelf to charge your selected Payment Instrument for such Payment Transaction.

Storing Payment Instruments

You can store a Payment Instrument with Pointshelf by providing the payment credentials: credit card or debit card number and card expiration date. All data pertaining to payment instruments are stored in compliance with prevailing regulations of Reserve Bank of India. Payment instruments are stored in PCI DSS Level 1 certified databases of Pointshelf or their third party service providers. The user acknowledges that Pointshelf can at its discretion move the stored card data of the user between databases of third party providers or itself. Pointshelf will ensure that all the databases where card data is stored in complicance with PCI DSS.

Transacting on Pointshelf

Pointshelf facilitates a credit card or debit card purchase by a Buyer from a Seller that is registered with Pointshelf. Pointshelf stores information from Buyers, such as their Payment Instruments and shipping information. Pointshelf processes Payment Transactions on behalf of Sellers, as the agent of the Seller, through the appropriate credit card or debit card network, as applicable. When Buyer chooses to pay for Products with the Processing Service, Buyer authorizes the Seller to submit charges (and, in the case of refunds, credits) to Buyer's registered Payment Instrument. Pointshelf will assist as agent of the Seller in accessing the card networks and processing the Payment Transaction. Once Buyer's registered Payment Instrument is authorized, Buyer's payment obligation to Seller shall be deemed completed and discharged (except for Buyer's obligations in the event of a chargeback or other reversal). Purchases made are also subject to the terms and conditions governing Buyer's Payment Instrument between Buyer and the issuer of the Payment Instrument. Buyer is responsible for any charges and related fees that may be imposed under the Payment Instrument terms and conditions as a result of Buyer's use of a Payment Instrument. You acknowledge and agree that your purchases of Products are transactions between you and the Seller, and not with Pointshelf or any of their affiliates. Pointshelf is not a party to your Payment Transaction for the purchase of Products, and Pointshelf or other Pointshelf affiliates are not a Buyer or a Seller in connection with any Payment Transaction, unless expressly designated as such in the listing of the Product on Pointshelf Web Site.

Permissible Payment Transactions

You may only use the Pointshelf Processing Service to process a Payment Transaction for a Product/Service that is purchased from a Seller through a legitimate, bona fide sale of the Product/Service. The Processing Service may not be used to process a Payment Transaction, or otherwise transfer money between a Buyer and Seller, that is unrelated to a purchase of a Product. The Processing Service may not be used to receive cash advances from Sellers or to facilitate the purchase of cash equivalents (travelers checks, prepaid cards, money orders, etc.). You may not use the Processing Service to purchase any illegal goods or services or for any other underlying illegal transaction. You agree that you will not use the Processing Service to purchase any Products that violate these Terms of Service, other policies or rules applicable to the Processing Service, or Applicable Law. Failure to comply with these limitations may result in suspension or termination of your use of the Processing Service.

Service Fees

Pointshelf does not charge a fee to use the Processing Service as a Buyer. The financial institution that issues your Payment Instrument may charge a fee in connection with the debiting or charging of the Payment Instrument resulting from the Payment Transaction. You should consult the terms and conditions governing your Payment Instrument for more information about any such fees.

Offers, loyalty programs and more

Offers, Loyalty Program items, tickets, boarding passes, and/or other items from third party merchants can be added to your Pointshelf account by a participating merchant with your consent which may be redeemable for discounts or points from a third party merchant or issuer. These may contain data, images, and messages that are controlled and updated solely by the third party merchant who issues the corresponding offer, loyalty program or associated. To avail the said offer, you must provide all information required by Pointshelf or the merchant. In order to redeem an Offer, Loyalty Program, or other redeemable item with a participating merchant, you may be asked to: (i) permit the merchant to read the redeemable Offer off the screen of the mobile device; (ii) use Pointshelf to redeem the Offer in conjunction with a payment transaction; or (iii) provide the promotion code or other code associated with the Offer to the participating merchant upon such merchant's request. By taking any of the foregoing actions, you authorize the information regarding the specific redeemable item to be transferred from your Pointshelf Account to the merchant for redemption. The redemption is processed by the merchant at its discretion, in accordance with the merchant's terms and conditions for that item, as applicable. If you have questions regarding redemption of a particular offer or loyalty, please contact the merchant directly. (iv) Your purchases of Products and/or redemptions of offers, loyalty programs etc. using Pointshelf are transactions between you as a Buyer and the merchant as the Seller, and not with Pointshelf or any of its affiliates. Pointshelf is not a party to your purchase of Products or redemption of offers.

Cashback Offer

(i) Pointshelf offers upto 20% cashback on payments made using the Pointshelf app for a limited period. (ii) Cashback shall be applied only on the actual payment done through Pointshelf using CREDIT/DEBIT/NET BANKING or any other payment instruments (excluding credits and offers) supported by Pointshelf. (iii) Cashback value is capped at Rs. 500 per user per day. (iv) Pointshelf reserves the right to decide which payments qualify for the cashback offer. (v) Pointshelf reserve the right, at any time, without prior notice and without assigning any reason whatsoever, to add/alter/modify/change or vary all of these terms and conditions or to replace, wholly or in part, this offer by another offer, whether similar to this Offer or not, or to extend or withdraw it altogether.

General Terms relating to the use of Pointshelf

(a) Pointshelf will deny a transaction if Pointshelf has reason to believe that it will not be able to initiate a charge to your selected Payment Instrument, or if Pointshelf otherwise believes that Pointshelf will not be able to obtain funds from you to complete the requested purchase payment. We reserve the right to decline any Pointshelf app initiated Payment Transaction. We reserve the right to suspend your use of any Pointshelf Service for any reason. (b) You acknowledge and agree that your purchases through Pointshelf are transactions between you and the merchant and not with Pointshelf or any of their affiliates. (c) Pointshelf may only be used for Indian Rupee transactions within India. Pointshelf does not support payments in foreign currencies. (d) Your Authorization for Pointshelf Billing. By using Pointshelf Services to make a purchase payment, you authorize the use of the payment instrument, as applicable to complete a payment to the merchant, and you authorize Pointshelf to charge the applicable credit card or debit card that is registered in Pointshelf and selected by you as the default Payment Instrument for the Purchase Transaction. This funding transaction will identify Pointshelf within the payment transaction identifier on your Payment Instrument statement. (e) Receipts At Merchant Locations. You may receive a transaction receipt from a merchant when you use Pointshelf. Pointshelf is under no obligation to provide you with a receipt or other written confirmation in connection with the charge made at a merchant location or with an online merchant. (f) Limits on Merchants and Purchases. We may impose limits on merchants where you can use Pointshelf. (g) Periodic Statements. You agree that we will not provide you with a separate periodic statement for your use of Pointshelf. An electronic transaction history showing all transactions with Pointshelf will be made available free of charge at https://pointshelf.com/users/. You are responsible for reviewing the Account transaction history. (h) Customer Service. If you have an inquiry regarding a payment made with Pointshelf, or you believe there has been an error or unauthorized transaction regarding a payment transaction using Pointshelf, please contact Support. (i) Errors and Unauthorized Transactions. Pointshelf provides you with certain rights and protections in the event of an error or unauthorized transaction arising from your use of Pointshelf. With respect to Payment Transactions made using Stored Cards, see the applicable Terms of Use between you and the issuer of these card, for more details regarding these protections. You may also have certain rights and protections that are provided to you under your agreement with the issuer of your Payment Instrument or Applicable Law with respect to the charges for a purchase payment made to your registered credit or debit card. You should consult your agreement with the issuer of your Payment Instrument for details.

Third party providers

Pointshelf may have arranged for third party providers to provide products or services to you through Pointshelf app ( "Third Party Providers"). In order to use these products or services, you may be required to agree to additional terms and conditions from those Third Party Providers, and may be subject to additional requirements of the Third Party Provider. By agreeing to these Terms of Service or continuing to use Pointshelf, you hereby agree to any Third Party Provider terms that apply to your use of such products and services through Pointshelf which may be updated from time to time. For avoidance of doubt, these Third Party Provider terms are between you and the applicable Third Party Provider, not Pointshelf.

Communication Policy

By accepting the terms and conditions the customer accepts that Pointshelf may send the alerts to the mobile phone number provided by the customer while registering for the service or to any such number replaced and informed by the customer. The customer acknowledges that the alerts will be received only if the mobile phone is in 'On' mode to receive the SMS. If the mobile phone is in 'Off' mode then the customer may not get / get after delay any alerts sent during such period. The customer acknowledges that the SMS service provided by Pointshelf is an additional facility provided for the customer's convenience and that it may be susceptible to error, omission and/ or inaccuracy. In the event the customer observes any error in the information provided in the alert, Pointshelf shall be immediately informed about the same by the customer and Pointshelf will make best possible efforts to rectify the error as early as possible. The customer shall not hold Pointshelf liable for any loss, damages, claim, expense including legal cost that may be incurred/ suffered by the customer on account of the SMS facility. The customer acknowledges that the clarity, readability, accuracy, and promptness of providing the service depend on many factors including the infrastructure, connectivity of the service provider. Pointshelf shall not be responsible for any non-delivery, delayed delivery or distortion of the alert in any way whatsoever. By accepting the terms and conditions the customer acknowledges and agrees that Pointshelf may call the mobile phone number provided by the customer while registering for the service or to any such number replaced and informed by the customer, for the purpose of collecting feedback from the customer regarding their usage of services.

Cancellation and Refund Policy

Cancellation or refund of all Payment Transactions processed through the Processing Service are will not be entertained by Pointshelf. You may have additional refund or charge-back rights under your Payment Instrument issuer agreement or applicable state and federal laws. You should review your periodic statement received from the issuer of your Payment Instrument which will reflect all purchase transactions through the Processing Service. You are responsible for the receipt of the goods or services from the Merchant in lieu of which the payment has been made. Pointshelf is not responsible for any purchase for which the said goods or services have not been received by you from the merchant. However, in case of issues in transactions such as a double charge, then you may inform us by sending an email to our customer services email address [email protected] Please include in the email the following details - the mobile number, amount, merchant name, transaction ID. Pointshelf shall investigate the incident and if it is found that money was indeed charged to your card or bank account more than once then you will be refunded the money within 21 working days from the date of receipt of your email.