Merchant API ki terms · TG Crypto Pay API

Yeh terms Merchant API par laagu hoti hain — apps, API tokens, invoices, subscriptions, transfers, checks, webhooks aur AI-agent connector par. Yeh app ki general terms of use aur uski AML policy ke saath-saath laagu hoti hain. App banate hi aap inhe accept karte hain; agar aapka app 7 September 2026 se pehle bana tha, to use aage bhi use karte rehna inhe accept karna maana jaata hai.

1. Definitions

Hum / service — wallet aur Merchant API ka provider.
Merchant / aap — wo Telegram user jo app banata hai aur usse goods ya services offer karta, bechta ya provide karta hai, aur API ke through funds receive ya send karta hai.
App — Mini App mein banaya gaya merchant application, uske API token(s) aur balance ke saath.
Payer — wo user jo kisi app ka invoice pay karta hai ya usse payout paata hai.
Digital assets — wo cryptocurrencies jo service support karti hai.

2. Service kya hai

Merchant API payment requests issue karne aur service ke andar balances ke beech digital assets move karne ka ek technical zariya hai. Invoices, payouts aur checks aap apne naam se aur apni zimmedari par banate hain. Aapke aur payer ke beech ki kisi bhi transaction mein hum party nahi hain — na aapke agent, partner, employee ya representative, aur na hi aapke goods ya services ke liye payment processor, escrow ya koi intermediary. Asal transaction ko lekar koi refund, dispute ya claim aapke aur payer ke beech ka maamla hai.

3. Aapki warranties

Merchant API use karke aap yeh declare karte hain aur iski guarantee dete hain ki:

jin goods ya services ke liye aap paise lete hain, unhe bechne ya provide karne ka aapke paas legal right hai, jismein wo license bhi shaamil hai jo koi jurisdiction maangti hai;
jis Telegram account aur wallet se app juda hai, unke aap legal owner hain aur unhe aap hi control karte hain, aur jo jaankari aap hamein dete hain wo sahi hai;
aapki activity har us law ka paalan karti hai jo uspar laagu hota hai — anti-money-laundering aur counter-terrorist-financing law, sanctions law, tax law, consumer-protection law aur un jurisdictions ke licensing rules jahan ke users ko aap serve karte hain;
aap khud sanctions ke tahat nahi hain, na aise kisi ke liye kaam karte hain jo sanctions ke tahat ho, aur aap aisi kisi jurisdiction ke users ko serve nahi karte jahan aapki activity ya service ka use mana hai;
aap API ko neeche diye gaye kisi bhi prohibited use ke liye use nahi karenge.

4. Prohibited use

Aap Merchant API ko, seedhe ya kisi third party ke through, in kaamon ke liye use nahi kar sakte:

kisi bhi gair-kanooni maqsad ke liye, ya doosron ko gair-kanooni kaam ke liye uksaane ke liye;
games of chance, betting, lotteries, casinos ya kisi bhi doosre gambling ke liye, jahan aapke paas un players ke liye valid license na ho jinhe aap serve karte hain;
narcotics, controlled substances, drug paraphernalia ya bina license wali pharmaceuticals bechne ya promote karne ke liye;
weapons, ammunition, explosives ya unke components bechne ke liye;
fraud, phishing, pyramid ya Ponzi schemes, returns ka waada karne wale “investment” programmes, ya payers ko dhokha dene wali kisi bhi scheme ke liye;
extortion, ransom payments, ya chori ke goods, chori ka data ya credentials bechne ke liye;
minors ke sexual exploitation ya human trafficking se jude content ke liye, ya kisi bhi aise material ke liye jise distribute karna illegal hai;
crime se kamaaye paise ko launder karne, funds ka source chhupaane, bina license wale exchanger ya money-transmitter ki tarah kaam karne, ya aise insaan ke funds move karne ke liye jo khud service use nahi kar sakta;
dark-net markets, mixers ya kisi bhi aisi service ke liye jo blockchain analytics ya sanctions se bachne ke liye banayi gayi ho;
counterfeit goods ya intellectual property ke violation ke liye;
hamari security, limits, rate limits ya fraud controls ko bypass karne, kisi restriction se bachne ke liye kai accounts banane, ya promotions ka galat faayda uthaane ke liye;
kisi bhi aise tareeke se jisse hampar civil ya criminal liability aa sakti ho, ya hamari reputation ko nuksaan pahunche.

Aapke bot aur channel par Telegram ki apni terms bhi laagu hoti hain.

5. AML screening, monitoring aur verification

Hum deposits aur withdrawals ko blockchain analytics se screen karte hain aur service ke andar activity aur transactions ko utna monitor karte hain jitna laagu law maangta hai. Hum kisi bhi waqt — khaas kar jab transaction thresholds paar hon ya koi unusual pattern dikhe — aapse extra jaankari maang sakte hain: aapke business ki nature, transactions ka maqsad, funds ya wealth ka source, identity ya business documents. Jab tak aap yeh nahi dete, hum section 6 mein bataye tareeke se maamla rok kar rakh sakte hain. API ka use jaari rakhne ke liye hum app owner ki identity verification ko shart bhi bana sakte hain.

6. Hamare rights

Agar hamein kisi prohibited use, in terms ya law ki breach, service ya doosre users ke liye risk ka shak ho, ya koi competent authority aisa maange, to hum apne faisle se aur bina pehle bataye:

kisi transaction ko refuse, delay ya reverse kar sakte hain;
API, kisi app ya service tak aapka access restrict ya suspend kar sakte hain;
review poori hone tak kisi app ya aapke wallet ka balance freeze kar sakte hain;
API tokens revoke kar sakte hain, app deactivate kar sakte hain ya aapka account close kar sakte hain;
maamle ki report competent authorities ko kar sakte hain aur utni jaankari disclose kar sakte hain jitni law maangta hai.

Apni risk procedures ki details batane ke liye hum bound nahi hain. Limits aur thresholds hum kisi bhi waqt badal sakte hain.

7. Aapki zimmedari

Aap jo goods aur services offer karte hain — unki legality, delivery, quality, warranties, pricing, refunds aur consumer obligations — un sabke liye, sabhi taxes ke liye, aur aapke app ke tokens se kiye gaye har action ke liye sirf aap zimmedaar hain, chaahe wo action kisi aise insaan ne kiya ho jise tokens aapse ya aapke systems ke through mile. Aapke goods ya services, in terms ya law ki aapki breach, ya kisi payer ke claim se paida hone wale har claim, demand, nuksaan, fine ya kharch — legal fees samet — ke liye aap service, uske affiliates, officers aur staff ko indemnify karenge aur unhe inse bachaakar rakhenge.

8. Liability

API “as is” diya jaata hai. Jahan tak law ijaazat deta hai, hum indirect ya consequential loss, khoye hue profit ya revenue, khoya hua data, third parties ke actions, blockchain networks aur unki fees, exchange-rate mein badlav, ya section 6 ke tahat humne jo transaction reject ya delay ki ho — in sabke liye zimmedaar nahi hain. In terms ke tahat hamari kul liability un fees tak limited hai jo aapne claim se pehle ke baarah mahinon mein service ko di hain.

9. Termination

Aap kisi bhi waqt API use karna band kar sakte hain aur apne apps delete kar sakte hain; balance wallet ke aam rules ke hisaab se withdraw hota hai. In terms ki breach par hum aapka access turant khatam kar sakte hain. Sections 2, 6, 7 aur 8 termination ke baad bhi laagu rehte hain.

10. Changes

Hum in terms ko update kar sakte hain. Page ke upar di gayi date hi current revision hai; badlav ke baad naya app banana ya API use karte rehna updated terms ko accept karna maana jaata hai.