Payment Policy
Last updated: 10 August 2026
Legal Notice: This Payment Policy should be reviewed by qualified legal counsel. By making or receiving payments through the Platform, you agree to the terms set out herein.
⚠️ Security Warning: Never share your OTP, card number, CVV, PIN, UPI PIN, or any payment credentials with Workers or any third party. Instantatoz support will never ask for these details. Report any such requests immediately to support@instantatoz.online.
Payment Gateway Status: Payment gateway integration will be fully enabled after merchant onboarding and activation with our payment partner. During the pre-launch or limited-access phase, payment processing may be restricted or unavailable. Users will be notified of the activation date via the app and email.
1. Supported Payment Methods
Instantatoz supports the following payment methods through its integrated payment gateway:
UPI
PhonePe, GPay, Paytm, BHIM, and all UPI-enabled apps
Debit / Credit Cards
Visa, Mastercard, RuPay — Indian-issued cards
Net Banking
Major Indian banks via payment gateway integration
Digital Wallets
Supported wallets as enabled by the payment gateway
Cash payments are not supported. All transactions must be made through the Platform. Making direct cash payments to Workers for Platform-booked Jobs is a violation of these terms.
2. How Payments Are Processed
Payments on Instantatoz follow a structured flow:
- Payment Initiation: When a User confirms a Job request, the Platform calculates the estimated total charge (hours × hourly rate + platform commission) and initiates a payment transaction.
- Authorisation / Hold: The payment gateway authorises and may hold the estimated amount from the User's payment instrument pending Job completion.
- Capture: Upon Job completion (Work End confirmation), the actual amount based on tracked hours is captured by the payment gateway.
- Settlement: After deduction of the platform commission, the net amount is disbursed to the Worker via bank transfer or UPI within the applicable payout cycle.
- Refund (if applicable): If a cancellation or dispute results in a refund, the amount is reversed to the User's original payment instrument within the timeline specified in our Refund Policy.
3. Payment Status States
Each payment transaction progresses through the following states:
| Status | Description |
|---|---|
| CREATED | Payment order created; awaiting User's payment action. |
| PENDING | Payment initiated by User; awaiting bank or gateway confirmation. Do not re-attempt payment in this state. |
| AUTHORIZED | Payment authorised by the bank/gateway; funds held. Job is now confirmed. |
| CAPTURED | Payment captured upon Job completion. Settlement to Worker initiated. |
| FAILED | Payment failed due to bank decline, network error, or user abandonment. No charge applied; auto-refund where applicable. |
4. Invoices and Receipts
Upon successful payment capture, an electronic receipt will be available in your Account transaction history within the Platform. The receipt will detail the Job reference, service category, hours worked, hourly rate, platform commission, applicable taxes, and total amount charged. GST invoices, where applicable, will be issued in accordance with the Goods and Services Tax Act, 2017. For formal GST invoices, contact us at support@instantatoz.online.
5. Platform Commission
Instantatoz charges a platform commission on each completed Job. This commission is inclusive of the technology service fee, payment processing costs, and operational charges. The commission rate is displayed to both Users (as part of the total charge) and Workers (as a deduction from gross earnings) within the Platform. The commission rate may vary by service category and is subject to revision upon 30 days' notice. Commission is not refundable once a Job has been completed and payment captured.
6. Failed and Duplicate Payments
- Failed Payments: If your payment fails after funds are debited from your account, the amount will be automatically refunded to your original payment instrument within 5–10 working days, subject to your bank or payment provider's processing times.
- Duplicate Payments: In the event of a duplicate charge for the same transaction (due to a technical error), the duplicate amount will be automatically reversed within 7 working days. Report suspected duplicates to support@instantatoz.online with your transaction reference number.
7. Payment Support
For any payment-related queries, disputes, or concerns:
Email: support@instantatoz.online
Include: Your registered mobile number, Job reference ID, and payment transaction ID.
Response Time: Within 48 business hours