1. Digital Wallet Services

Bell24h provides digital wallet services to facilitate secure and convenient transactions between buyers and suppliers. Our wallet is powered by ICICI Bank and integrated with Razorpay and Stripe payment gateways.

2. Account Setup

To use our wallet services, you must:

• Complete KYC verification as per RBI guidelines
• Provide valid bank account details
• Verify your mobile number and email address
• Accept these terms and conditions

3. Wallet Features

Our wallet provides:

• Instant fund transfers between users
• Secure payment processing
• Transaction history and reporting
• Multi-currency support (INR, USD, EUR)
• Integration with escrow services

4. Payment Gateway Integration

We integrate with multiple payment gateways:

• Razorpay: For domestic payments and UPI
• Stripe: For international payments
• ICICI Bank: For escrow and banking services

5. Security Measures

We implement multiple security layers:

• End-to-end encryption for all transactions
• Two-factor authentication (2FA)
• PCI DSS compliance
• Regular security audits
• Fraud detection and prevention

6. Transaction Limits

Daily transaction limits are based on your verification level:

• Basic: ₹50,000 per day
• Verified: ₹2,00,000 per day
• Premium: ₹10,00,000 per day

7. Fees and Charges

Wallet transaction fees:

• Domestic transfers: 0.5% (minimum ₹5)
• International transfers: 2.5% (minimum ₹50)
• Escrow transactions: 2.5% (minimum ₹500)
• Withdrawal to bank: ₹10 per transaction

8. Dispute Resolution

For wallet-related disputes, we provide:

• 24/7 customer support
• Dispute resolution within 48 hours
• Refund processing for valid claims
• Escalation to banking partners if needed

9. Regulatory Compliance

Our wallet services comply with:

• RBI guidelines for digital payments
• Prepaid Payment Instrument (PPI) regulations
• Anti-Money Laundering (AML) policies
• Know Your Customer (KYC) requirements

10. Contact Information

For wallet-related queries, contact us at:

• Email: wallet@bell24h.com
• Phone: +91-22-1234-5678
• Address: Bell24h Wallet Services, Mumbai, Maharashtra