Terms and Conditions


Effective Date: June 4, 2026

Last Updated: August 20, 2026



1. Introduction


Welcome to Pinelabs Payment Assistant ("the Service"), a B2B payment integration platform with AI capabilities operated by Pine Labs Limited ("we", "us", "our"). The Service enables businesses and AI assistants to interact with Pine Labs payment APIs through a Model Context Protocol (MCP) server interface.


By accessing or using the Service, you ("Merchant", "you", "your") agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use the Service.



2. The Service


Pinelabs Payment Assistant provides read-only access to your Pine Labs payment data for businesses and AI assistants:


  • AI-Powered Payment Insights — Enables AI assistants (such as ChatGPT, Claude, and other MCP-compatible clients) to securely retrieve Pine Labs payment information on your behalf.
  • Payment Link Lookup — Retrieve the details and status of existing payment links.
  • Order & Transaction Lookup — Retrieve checkout order details and order payments, and search transactions by identifier.
  • Settlement Reports — Retrieve settlement details and reconciliation reports.
  • Subscription Insights — View subscription plans, subscriptions, and presentation (mandate) details.
  • Card BIN Lookup — Look up non-sensitive card metadata (network, issuer, card type) from a card BIN/IIN prefix.
  • Merchant Analytics — Retrieve transaction success-rate metrics for your account.
  • Developer Tools — Access Pine Labs API documentation and generate integration/checkout code samples.

    • The Service is strictly read-only. It retrieves and displays information from Pine Labs APIs and does not create, modify, cancel, capture, refund, or otherwise move funds or initiate any financial transaction. It acts as an intermediary read layer and does not independently store or retain payment instrument details. The Service never accesses or returns full card numbers, CVVs, PINs, passwords, or one-time passwords (OTPs).



    3. Eligibility & Account Registration


    To use the Service, you must:


  • 1. Be a registered business entity or authorised representative of one.
  • 2. Hold a valid Pine Labs / Plural merchant account with active API credentials.
  • 3. Comply with all applicable laws, including the Payment and Settlement Systems Act, 2007 and RBI guidelines.
  • 4. Be at least 18 years of age or the age of legal majority in your jurisdiction.

    • You are responsible for maintaining the confidentiality of your API credentials (Client ID, Client Secret) and for all activities that occur under your account.



    4. Acceptable Use


    You agree not to use the Service to:


  • Process transactions for illegal goods, services, or activities.
  • Circumvent fraud detection, anti-money laundering, or KYC requirements.
  • Reverse-engineer, decompile, or attempt to extract the source code of the Service.
  • Overwhelm the Service with excessive API requests intended to degrade performance (denial-of-service).
  • Access another merchant's data or impersonate another user.
  • Transmit malware, viruses, or any harmful code through API requests.
  • Violate any applicable card network rules (Visa, Mastercard, RuPay, etc.).
  • Use the Service for personal, non-business transactions unless explicitly permitted.

    • We reserve the right to suspend or terminate access for any violation of this section without prior notice.



    5. Your Data


    5.1 Data We Process


    The Service retrieves payment-related data on your behalf, including but not limited to:


  • Merchant identifiers and API credentials (encrypted at rest and in transit).
  • Transaction details returned by read queries (amounts, currency, order references, payment statuses).
  • Customer information contained in the records you query (such as name, email, or phone number, where present on the record).

    • 5.2 Data Hosting & Security


  • All data is hosted on Amazon Web Services (AWS), Mumbai region (ap-south-1), ensuring data residency within India.
  • Data in transit is encrypted using TLS 1.2 or higher.
  • We implement industry-standard security controls aligned with PCI-DSS requirements.
  • Personally Identifiable Information (PII) is filtered and masked in logs.

    • 5.3 Data Retention


  • Transaction request/response data is retained only for the duration necessary to complete the API call and for audit/debugging purposes as required by regulation.
  • We do not store card numbers, CVVs, or PINs at any point.

    • 5.4 Your Responsibilities


    You are solely responsible for:


  • Ensuring you have obtained appropriate consent from your customers before transmitting their data through the Service.
  • Complying with applicable data protection laws (IT Act, 2000; Digital Personal Data Protection Act, 2023).
  • Securing your own systems and API credentials.


    • 6. Billing


    Access to the Service is included as part of your standard Pine Labs Payment Gateway merchant onboarding. There is no separate subscription fee for using Pinelabs Payment Assistant.


  • Billing is governed by the commercial terms agreed during your merchant sign-up and activation of payment modes.
  • Transaction processing charges, MDR, and other applicable fees follow the same rate card as your Pine Labs PG merchant agreement.
  • All fees are exclusive of applicable taxes (GST) unless stated otherwise.
  • No additional charges are levied for accessing payment APIs through the MCP Server interface beyond your existing PG merchant terms.


    • 7. Cancellation & Refunds


    7.1 Service Cancellation


  • You may discontinue use of the Service at any time by revoking your API credentials or contacting support.
  • Upon cancellation, your access to the Service will be terminated and no further API requests will be served.
  • As the Service is read-only, discontinuing it has no effect on your existing payments, orders, or settlements, which remain governed by your Pine Labs Payment Gateway account.

    • 7.2 Refunds


    The Service is read-only and does not initiate, process, or modify refunds. Refunds continue to be governed by your Pine Labs Payment Gateway merchant agreement and are performed through your existing Pine Labs channels (merchant dashboard or Payment Gateway APIs), not through this Assistant.


  • The refund window, eligibility criteria, and processing timelines are those defined in your PG merchant agreement with Pine Labs.
  • Where refund records exist, the Service may allow you to view their status; it cannot create or alter them.

    • For refund-related queries, contact us at pgsupport@pinelabs.com or call 1800-309-9007.



    8. Service Availability


  • We target 99.5% uptime for the Service, measured on a monthly basis.
  • Scheduled maintenance windows will be communicated at least 24 hours in advance where possible.
  • We are not liable for downtime caused by:

    • - Upstream API provider outages (Pine Labs gateway, card networks, banks).

    - Force majeure events (natural disasters, government actions, internet backbone failures).

    - Your own infrastructure issues or misconfigurations.

    - Scheduled maintenance communicated in advance.



    9. Intellectual Property


  • The Service, including its APIs, documentation, tools, and underlying technology, is the intellectual property of Pine Labs Limited.
  • You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose.
  • You may not copy, modify, distribute, sell, or lease any part of the Service.
  • "Pine Labs", "Plural", "Pinelabs Payment Assistant", and associated logos are trademarks of Pine Labs Limited.


    • 10. Warranty Disclaimer


    THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:


  • We make no warranties, express or implied, regarding the Service's fitness for a particular purpose, merchantability, or non-infringement.
  • We do not guarantee that the Service will be uninterrupted, error-free, or secure at all times.
  • We do not warrant that the Service will be compatible with all AI assistants or MCP clients.


    • 11. Limitation of Liability


    TO THE MAXIMUM EXTENT PERMITTED BY LAW:


  • Our total liability for any claim arising from or related to the Service shall not exceed the total fees paid by you to us in the twelve (12) months preceding the claim.
  • We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities.
  • We are not liable for any losses resulting from:

    • - Unauthorised access to your account due to your failure to secure credentials.

    - Transactions processed based on incorrect data provided by you.

    - Third-party service failures (payment gateways, banks, card networks).



    12. Indemnification


    You agree to indemnify and hold harmless Pine Labs Limited, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including legal fees) arising from:


  • Your use of the Service in violation of these Terms.
  • Your violation of any applicable law or regulation.
  • Any dispute between you and your customers related to transactions processed through the Service.


    • 13. Termination


    We may suspend or terminate your access to the Service:


  • Immediately, if you breach these Terms.
  • Immediately, if required by law, regulation, or a court order.
  • With 30 days' notice, for any other reason at our sole discretion.

    • Upon termination:

  • All licences granted to you will immediately cease.
  • You must cease all use of the Service.
  • Sections 5 (Your Data), 10 (Warranty Disclaimer), 11 (Limitation of Liability), 12 (Indemnification), and 14 (Governing Law) shall survive termination.


    • 14. Governing Law & Dispute Resolution


  • These Terms are governed by and construed in accordance with the laws of India.
  • Any disputes shall be subject to the exclusive jurisdiction of the courts at Noida, Uttar Pradesh, India.
  • Before initiating legal proceedings, both parties agree to attempt resolution through good-faith negotiation for a period of 30 days.


    • 15. Changes to These Terms


  • We reserve the right to modify these Terms at any time.
  • Material changes will be communicated via email to your registered address or through the merchant dashboard at least 15 days before they take effect.
  • Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.


    • 16. Contact Us


    If you have questions about these Terms and Conditions, please contact us:


    Pine Labs Limited

    Plot No. 91, Sector 44, Gurugram – 122003, Haryana, India

    (Noida Office: B-121, Sector 5, Noida – 201301, Uttar Pradesh, India)

    E-mail: pgsupport@pinelabs.com

    Call Centre: 1800-309-9007 (Mon–Sun, 9 AM to 9 PM IST)



    By using Pinelabs Payment Assistant, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.