ALL-IN-ONE MARKETINGTransaction Terms
Comprehensive guidelines for all financial transactions, payments, and billing processes on the Colaber platform.
Effective Date: January 15, 2025
Table of Contents
These Transaction Terms govern all financial transactions conducted through the Colaber platform, including subscriptions, credit purchases, and service payments.
1. Accepted Payment Methods
Supported Payment Methods
- • Credit Cards (Visa, MasterCard, American Express)
- • Debit Cards (Visa, MasterCard, RuPay)
- • UPI (Google Pay, PhonePe, Paytm, etc.)
- • Digital Wallets (Paytm, Mobikwik, etc.)
- • Net Banking (All major Indian banks)
- • International payment gateways (Stripe)
Payment Security
- • SSL encryption for all transactions
- • PCI DSS compliant payment processing
- • Two-factor authentication available
- • Secure tokenization of card details
- • Real-time fraud detection
Important:
We do not store your complete card details on our servers. All payment information is securely processed through certified payment gateways.
2. Pricing & Billing
Subscription Plans
- Monthly subscriptions are billed in advance
- All prices are displayed in Indian Rupees (INR)
- International users may see prices in USD
- Taxes (GST) are calculated and added at checkout
Credit-Based Services
- WhatsApp messaging, SMS, and email campaigns consume credits
- Credits are purchased in packages and don't expire
- Credit usage is deducted in real-time
- Low balance notifications are sent automatically
Dynamic Pricing:
Prices may vary based on usage volume, promotional offers, and market conditions. Current pricing is always displayed before payment confirmation.
3. Transaction Processing
Processing Times
Instant Processing
- • UPI payments
- • Digital wallet transactions
- • Most credit/debit cards
Delayed Processing
- • Net banking (2-5 minutes)
- • International cards (5-10 minutes)
- • Bank verification required
Failed Transactions
- Failed payments are automatically refunded within 5-7 business days
- You'll receive email notification of failed transactions
- Multiple failed attempts may temporarily block payment method
- Contact support for assistance with persistent failures
Transaction Failures:
Common reasons include insufficient funds, expired cards, incorrect details, or bank restrictions. Always verify your payment information before retrying.
4. Currency & Exchange Rates
Primary Currency
- All transactions are primarily processed in Indian Rupees (INR)
- International users may see equivalent amounts in USD
- Currency conversion is handled by payment processors
Exchange Rate Policy
- Exchange rates are determined by payment gateway providers
- Rates may fluctuate between transaction initiation and completion
- Final charged amount depends on your bank's conversion rates
International Transactions:
International users may incur additional fees from their banks for currency conversion. These fees are not controlled by Colaber.
5. Receipts & Invoicing
Automatic Receipt Generation
- Digital receipts are automatically generated for all transactions
- Receipts are sent to your registered email address
- All receipts are also available in your account dashboard
- GST details are included for Indian transactions
Invoice Details Include
- Transaction ID and date
- Service description
- Amount breakdown
- Tax calculations
- Payment method used
- Billing address
- Company GST details
- Support contact information
Business Users:
Detailed invoices with GST breakdown are available for business accounts. Contact support for customized invoicing requirements.
6. Dispute Resolution
Dispute Process
- Report disputes within 30 days of transaction
- Provide transaction details and supporting evidence
- Our team will investigate within 5-7 business days
- Resolution communication via email and dashboard
Common Dispute Types
- Unauthorized transactions
- Duplicate charges
- Service not delivered as promised
- Billing errors or incorrect amounts
Resolution Timeline:
Most disputes are resolved within 7-10 business days. Complex cases may take up to 21 days. You'll receive regular updates throughout the process.
7. Security & Fraud Protection
Security Measures
- 256-bit SSL encryption for all transactions
- PCI DSS Level 1 compliance
- Real-time fraud monitoring and detection
- Secure tokenization of payment data
Fraud Prevention
- Machine learning algorithms detect suspicious patterns
- Velocity checks prevent rapid multiple transactions
- Geographic verification for unusual locations
- Device fingerprinting for additional security
Your Responsibility:
Keep your login credentials secure, use strong passwords, and report suspicious activity immediately. Never share your account details with others.
8. Third-Party Payment Processors
Payment Partners
Domestic Payments
- • Razorpay (Primary gateway)
- • Payu (Backup gateway)
- • CCAvenue (Enterprise)
International Payments
- • Stripe (Global coverage)
- • PayPal (Select regions)
- • Wire transfers (Enterprise)
Third-Party Terms:
Use of third-party payment processors is subject to their respective terms of service and privacy policies. Colaber is not responsible for third-party service interruptions.
9. Transaction Limits
Daily Limits
Individual Users
- • Maximum: ₹1,00,000 per day
- • Credit purchases: ₹50,000 per day
- • Subscription: No limit
Business Users
- • Maximum: ₹5,00,000 per day
- • Bulk credits: ₹2,00,000 per day
- • Custom limits available
Limit Increases
- Contact support for higher transaction limits
- Business verification may be required
- Approval typically takes 2-3 business days
Regulatory Compliance:
Transaction limits are set in compliance with RBI guidelines and may be adjusted based on regulatory changes.
10. Contact Support
Need help with transactions or have payment-related questions? Our support team is here to assist you.