1. Acceptance of Terms
By creating a Payora BD account, downloading the Auto Payment APK, or using any API, checkout page, or merchant panel, you agree to these Terms of Service. If you do not agree, do not use the service.
Legal
Terms of Service
সম্পূর্ণ শর্তাবলী · রিফান্ড পলিসি · অ্যাকাউন্ট ও APK ব্যবহারের নিয়ম
Last updated: July 2026 · Website, panel, API, and Auto Payment APK.
You keep the money
Payora BD never holds customer funds. Payments go to your own bKash, Nagad, Rocket, Binance, or RedotPay wallets.
Your device, your keys
The Auto Payment APK runs on a phone you control. License keys and Site API Keys are confidential · sharing them is at your risk.
Clear refund policy
Digital plans are generally non-refundable after activation. Eligible refunds (if any) follow the rules in Section 15.
No fraud / illegal use
Scams, money laundering, stolen wallets, or illegal goods will get accounts suspended without refund.
Read before you register or integrate
Auto verify is best-effort based on SMS/notifications. Keep a manual review path for disputed orders. Misuse of payment numbers you do not own is prohibited. Digital plan fees are usually non-refundable after activation · see Refund Policy below.
2. Service Description
Payora BD provides an auto payment verification platform for Bangladesh merchants. The companion Android app reads payment-related SMS and (optionally) app notifications on a device you control, and matches them to checkout orders created via your Site API Key.
We are a verification layer · not a bank, MFS agent, or payment processor that holds funds.
3. Accounts & Eligibility
You must provide accurate registration details and keep your password and license key confidential. You are responsible for all activity under your account. One merchant account is for your business use; sharing credentials with unauthorized third parties is prohibited. You must be legally able to operate a business / accept payments under Bangladesh law.
4. Plans, Trials & Billing
New accounts may receive a free trial (currently 7 days) with Free-plan limits. After the trial or when limits are reached, you must upgrade or renew a paid plan to continue auto verification. Plan prices, payment quotas, and features may change; active paid periods are honored as stated at purchase.
5. Merchant Responsibilities
You must: (a) only use numbers and wallets you own or are authorized to operate; (b) keep the merchant phone online with required permissions; (c) comply with Bangladesh laws and payment-provider rules; (d) not use Payora BD for fraud, money laundering, scams, or illegal goods; (e) show clear pricing and your own customer refund policy on your website.
Disputes between you and your buyers are your responsibility.
6. APK, Permissions & Device
The Auto Payment app requires SMS and related permissions to verify payments. You install it at your own risk on a device you control. Disabling Play Protect or installing sideloaded APKs is your choice and responsibility. We are not liable for device damage, Google account actions, or third-party app conflicts.
7. Verification Accuracy
Auto verification depends on timely SMS/notifications, correct amounts, transaction IDs, network connectivity, and your plan status. Offline devices, delayed SMS, duplicate Trx IDs, or mismatched amounts may delay or fail verification. You remain responsible for manual review of disputed or pending orders.
8. API & Integration
Site API Keys must be kept secret. You may integrate checkout into your own sites. Abuse (scraping, credential stuffing, DDoS, reverse engineering) may result in suspension. Rate limits and quotas apply per plan.
9. Availability & Changes
We aim for high availability but do not guarantee uninterrupted service. Maintenance, VPS issues, or provider outages may occur. We may update the website, APK, or APIs; breaking changes will be communicated when practical.
10. Suspension & Termination
We may suspend or terminate accounts for Terms violations, unpaid plans after grace, fraud signals, or legal requests. You may stop using the service at any time. Data retention follows our operational needs and applicable law.
11. Limitation of Liability
To the maximum extent permitted by law, Payora BD and its operators are not liable for lost profits, missed sales, payment disputes between you and your customers, incorrect order fulfillment, or indirect damages. Total liability for any claim is limited to fees you paid to us in the 3 months preceding the claim (or zero for free trial use).
12. Intellectual Property
Website design, branding, software, and documentation remain our property. You may not resell the platform as your own white-label product unless a separate written agreement allows it.
13. Privacy & Data
We process account data (name, email, phone, shop details), order metadata needed for verification, and technical logs to operate the service. You must not submit sensitive personal data of your customers beyond what checkout requires. Do not share license keys or API keys publicly.
You remain the data controller for your end-customers' payment information.
14. Governing Law
These terms are governed by the laws of Bangladesh. Disputes should first be raised via support; unresolved matters may be pursued in competent courts in Bangladesh.
15. Refund Policy
Because Payora BD sells digital access (license / plan activation), fees are generally non-refundable once a paid plan is activated or a license key is issued and used. Exceptions may be considered within 24 hours of purchase if: (a) the service could not be activated due to a verified platform fault on our side, and (b) you have not completed meaningful usage (no paid verification volume). Free trial usage is never refundable as cash. Chargebacks or payment disputes filed without first contacting support may result in account suspension. Approved refunds (if any) are returned via the original payment method or a method we specify, minus gateway fees where applicable.
Contact Support from the merchant panel before opening a payment dispute.
16. Fair Use & Abuse
We may limit or suspend accounts that spam the API, share one license across many unrelated businesses beyond plan limits, spoof SMS, or attempt to bypass quotas. High-tier plans remain subject to reasonable fair-use device limits.
17. Contact
Questions about these Terms of Service or refunds: open a Support ticket in the merchant panel, or use contact channels published on payorabd.com.