Last updated: 14 November 2026
By using Payzu (the Telegram bot, Mini App, dashboard, API and hosted checkout pages, together the "Service") you agree to these Terms.
Payzu is a non-custodial software platform. It lets merchants accept TON, USDT on the TON network, and Telegram Stars. We never hold your money. TON and USDT go directly to the merchant's own TON wallet, connected through TON Connect. Telegram Stars are held by Telegram on the merchant's bot; payout of Stars is handled by Telegram, not by us.
We only read public blockchain data to confirm a payment arrived. We never ask for, and you must never share, your wallet's private key or seed phrase. Disconnecting your wallet at any time stops new live payments but does not affect funds already received.
Your account is created through your Telegram ID, which is your unique identity on Payzu and is re-verified on every request. Approval (KYC) may be required before live payments are enabled.
Each payment link has a unique note (comment) and an exact amount. Sending a different amount, on a different network, or without the note may not be detected automatically. Blockchain transactions cannot be reversed by us.
Stars payments happen entirely inside Telegram. Refunds, if any, use Telegram's own refund mechanism. Withdrawal of Stars balance to real currency is managed by Telegram via @BotFather, outside Payzu's control.
Every payment created through the API opens on Payzu's own hosted checkout page. Webhooks are signed with HMAC-SHA256 and retried; you must verify the signature before trusting a webhook.
The Service is provided "as is". We do not guarantee uninterrupted operation or that every payment will be detected instantly. To the extent permitted by law, our liability is limited to fees you paid us in the preceding three months, or INR 1,000 if none.
We may update these Terms; continued use after a change means you accept it.
Message us on Telegram at @payzubot or use Support in your dashboard.
This is a general template, not legal advice. Have a qualified lawyer review it before relying on it, especially for crypto and tax matters.