• Abhieo FAQ - All Questions Answered

    Abhieo - Complete FAQ

    Find answers to all your questions about India's first AI-powered payment platform

    🔍
    200
    Questions Answered
    25+
    Service Categories
    NPCI
    Approved Platform
    24/7
    Support Available
    All Questions
    About Abhieo
    Getting Started
    Abhieo Wallet
    KYC (Know Your Customer)
    Mobile Recharge
    DTH Recharge
    Bill Payments
    FASTag Recharge
    AI Features
    Offers & Cashback
    Security & Privacy
    Transactions & History
    Refunds & Complaints
    Technical Issues
    Account Management
    Referral Program
    App & Platform
    Fees & Charges
    Special Services
    Limits & Restrictions
    Legal & Compliance
    Bug Bounty & Security
    Miscellaneous
    Quick Contact Summary
    Charges & Fees
    Cancellation & Refund Policy
    Terms & Conditions
    Privacy Policy

    ℹ️ About Abhieo

    What is Abhieo?
    ▼
    Abhieo (अभीियो) is India's first AI-powered digital fintech platform approved by NPCI as a Bharat Connect Agent Institution. It's a comprehensive payment solution for mobile recharges, bill payments, and financial services, offering 25+ service categories with zero hidden fees.
    Who founded Abhieo and when?
    ▼
    Abhieo Fintech Private Limited was established in 2021 and is recognized by the Government of India's Startup India initiative for innovation and excellence in the fintech sector.
    What does "Abhieo" mean?
    ▼
    Abhieo (अभीियो in Hindi) represents the idea of "right now" or "immediately"
    • reflecting the platform's commitment to instant, fast, and efficient digital payments.
    Is Abhieo a registered and legal company?
    ▼
    Yes, Abhieo is:

    • Officially registered as Abhieo Fintech Private Limited

    • NPCI Approved as Bharat Connect Agent Institution

    • Recognized by Startup India (Government of India)

    • Registered office: 1/22, 2nd Floor, Asaf Ali Road, New Delhi, 110002
    What is Abhieo's vision and mission?
    ▼
    Abhieo aims to fulfill every financial aspiration through the simplest, shortest, and speediest way, making digital payments accessible to all Indians with AI-powered technology.

    🚀 Getting Started

    How do I create an account on Abhieo?
    ▼
    Step 1: Visit abhieo.in or download the Abhieo app
    Step 2: Click on "Register" or "Sign Up"
    Step 3: Enter your name, mobile number, email ID, password, and security code
    Step 4: Click "Create Account"
    Step 5: You'll receive Login ID, Password & TPIN on your registered email
    What details do I need to register on Abhieo?
    ▼

    • Full Name

    • Mobile Number (10 digits)

    • Email Address

    • Password (create a strong one)

    • Security Code/Captcha
    How do I log in to my Abhieo account?
    ▼
    You can log in using:

    • Your registered email address OR

    • Your registered mobile number

    • Plus your password
    Login is available on website, mobile app, or mobile site.
    I forgot my password. How can I reset it?
    ▼
    Step 1: Go to Abhieo login page
    Step 2: Enter your registered email/mobile number
    Step 3: Click "Forgot?"
    Step 4: Select "send code on my email address"
    Step 5: Enter the OTP received on email
    Step 6: Create new password and confirm
    Step 7: Click "Reset Password"
    I forgot my TPIN. How do I recover it?
    ▼
    Follow the same process as password recovery:

    • Go to login page

    • Click "Forgot?"

    • Select TPIN recovery option

    • Enter OTP received on email

    • Set new TPIN
    Can I change my registered mobile number?
    ▼
    Yes, but you need to contact customer support at wecare@abhieo.in to update your registered mobile number, as it affects your KYC and account security.
    Can I change my registered email address?
    ▼
    Contact customer support at wecare@abhieo.in with your request. You may need to verify your identity before the change is processed.

    💰 Abhieo Wallet

    What is Abhieo Wallet?
    ▼
    Abhieo Wallet is a closed virtual wallet where you can store money online. It's a secure digital wallet used to make instant payments for recharges, bill payments, and other services.
    How do I add money to my Abhieo Wallet?
    ▼
    Step 1: Log in to your Abhieo account
    Step 2: Click "Add Money" or "Wallet"
    Step 3: Enter the amount you want to add
    Step 4: Choose payment method:

    • Debit Card

    • Credit Card

    • Net Banking

    • UPI
    Step 5: Complete the payment
    Money will be added to your wallet instantly.
    What is the minimum and maximum amount I can add to wallet?
    ▼

    • Minimum: Check current limit (typically ₹10-₹100)

    • Maximum: Depends on your KYC status

    • Without KYC: ₹999 limit

    • With KYC: Higher limits (check app for details)
    Is there any charge for adding money to wallet?
    ▼
    No, Abhieo does not charge any fee for adding money to your wallet. However, your bank or payment gateway may have their own charges.
    Can I transfer money from Abhieo Wallet to my bank account?
    ▼
    Contact customer support at wecare@abhieo.in for wallet withdrawal policies and procedures.
    How do I check my wallet balance?
    ▼
    Your wallet balance is displayed on:

    • Home screen/Dashboard after login

    • Wallet section

    • Before making any payment
    Is my money safe in Abhieo Wallet?
    ▼
    Yes, your money is secure with:

    • Bank-level encryption

    • SSL certification

    • NPCI approval

    • Secure payment gateways

    • Two-factor authentication (TPIN)
    What is TPIN and why do I need it?
    ▼
    TPIN (Transaction PIN) is a security code required to authorize transactions from your wallet. It adds an extra layer of security to prevent unauthorized use of your wallet.

    ✅ KYC (Know Your Customer)

    What is KYC and why is it required?
    ▼
    KYC (Know Your Customer) is a mandatory verification process to establish your identity before conducting financial transactions. It's required by regulatory authorities to prevent fraud and ensure compliance.
    Is KYC mandatory on Abhieo?
    ▼
    KYC is optional but highly recommended. Without KYC, you can only transact up to ₹999. Once you reach this limit, you must complete KYC to continue using Abhieo services.
    Who is eligible for KYC on Abhieo?
    ▼

    • Indian citizens

    • Indian residents

    • Tax residents of India (and no other country)

    • Persons above 18 years of age
    How do I complete my KYC on Abhieo?
    ▼
    Step 1: Tap on the KYC icon on the app/website
    Step 2: Enter your Aadhaar number
    Step 3: Validate OTP received from UIDAI
    Step 4: Enter additional profile details
    Step 5: Submit
    • Your KYC is completed in less than 1 minute!
    What documents do I need for KYC?
    ▼
    Only your Aadhaar Card with a valid mobile number linked to it for OTP verification.
    Can I do KYC without Aadhaar?
    ▼
    If you don't have Aadhaar, you can request:

    • Visit by Abhieo agent, OR

    • Visit any Abhieo KYC centre
    Contact wecare@abhieo.in for assistance.
    Is the KYC process safe and secure?
    ▼
    Yes, the KYC process is completely safe and online. Abhieo does NOT store your KYC documents and photos
    • they're used only for one-time verification with UIDAI.
    How much does KYC cost on Abhieo?
    ▼
    KYC costs ₹5 per verification attempt. This fee is charged for every successful OR unsuccessful validation and is non-refundable.
    Why does Abhieo charge ₹5 for KYC?
    ▼
    Abhieo pays a fee to UIDAI and other authorities for every KYC verification (successful or unsuccessful). As a bootstrapped startup, they cannot currently absorb these costs and pass them to users.
    When is the ₹5 deducted for KYC?
    ▼
    The ₹5 is auto-debited from your wallet as soon as you click on the KYC tab to start the process, whether you complete it or not.
    What happens if my KYC verification fails?
    ▼
    If KYC fails (incorrect Aadhaar details, OTP not submitted, etc.), the ₹5 fee is still deducted and is non-refundable. You can try again with correct details.
    How do I know if my KYC is completed?
    ▼

    • You'll see a KYC icon on the Home Page (blue strip at top)

    • Tap the icon to see your KYC details and status

    • You'll receive confirmation via email/SMS
    Can I do KYC for my family members?
    ▼
    Each person needs their own Abhieo account and must complete KYC individually using their own Aadhaar.
    Can I use the same Aadhaar for multiple Abhieo accounts?
    ▼
    No, one Aadhaar can be linked to only one Abhieo account.
    Can minors (under 18) complete KYC?
    ▼
    No, currently Abhieo doesn't support KYC for persons under 18 years of age.
    Can foreigners/NRIs use Abhieo?
    ▼
    Currently, only Indian residents and tax residents of India are eligible for KYC. NRIs and foreign nationals may not be able to complete full KYC.

    📱 Mobile Recharge

    How do I recharge a mobile number on Abhieo?
    ▼
    Step 1: Click "Mobile Prepaid" or "Mobile Postpaid"
    Step 2: Enter 10-digit mobile number
    Step 3: Select operator and circle
    Step 4: Choose a plan or enter custom amount
    Step 5: Pay using wallet
    Step 6: Recharge completed instantly!
    What is the difference between Prepaid and Postpaid recharge?
    ▼

    • Prepaid: Pay upfront for services before usage. Services stop when balance runs out.

    • Postpaid: Pay at the end of the month based on usage. Get a monthly bill.
    Which mobile operators are supported?
    ▼
    All major operators including:

    • Airtel

    • Jio

    • Vi (Vodafone Idea)

    • BSNL

    • MTNL
    Can I recharge for my friends and family?
    ▼
    Yes! You can recharge any mobile number from your account. Just enter their number and complete payment.
    How long does mobile recharge take?
    ▼

    • Most recharges: 10 seconds to 30 minutes

    • In rare cases: Up to 24 hours
    Check order status in "My Passbook" section.
    What if I enter the wrong mobile number?
    ▼
    ⚠️ WARNING: Recharge orders cannot be cancelled or refunded once placed. Always double-check the number before confirming.
    I changed my network but the old network shows up. What do I do?
    ▼
    Click "Edit" next to the operator name and manually select your current operator and circle before placing the order.
    My recharge failed but payment was successful. What now?
    ▼

    • Wallet recharges: Instant refund to Abhieo wallet

    • If no refund within 2 days: Raise dispute via app/website

    • Email details to wecare@abhieo.in or WhatsApp +919711741237

    • Update within 3-7 working days
    Can I cancel a mobile recharge?
    ▼
    No, mobile recharges cannot be cancelled once placed.
    Are there any limits on mobile recharges?
    ▼
    You can perform unlimited transactions per day/month through the platform (subject to wallet balance and KYC limits).
    My payment was successful but recharge didn't go through. What happened?
    ▼
    Check "My Passbook" for order status. If status shows successful but recharge not received, contact customer support at wecare@abhieo.in with transaction details.
    Why can't I recharge the same number twice within 15 minutes?
    ▼
    Some telecom operators enforce a 15-minute interval between consecutive recharges for the same number to prevent fraud/errors.

    📺 DTH Recharge

    How do I recharge my DTH connection?
    ▼
    Step 1: Click "DTH Recharge"
    Step 2: Enter your DTH subscriber ID/customer ID
    Step 3: Select DTH operator
    Step 4: Choose a plan or enter amount
    Step 5: Pay using wallet
    Which DTH operators are supported?
    ▼

    • Tata Play (formerly Tata Sky)

    • Airtel Digital TV

    • Dish TV

    • Sun Direct

    • D2H (Videocon)
    Where can I find my DTH subscriber ID?
    ▼
    Check your DTH set-top box, welcome letter, or monthly recharge card for your subscriber ID/customer ID.
    How quickly is DTH recharge processed?
    ▼
    DTH recharges are typically instant but may take up to 30 minutes in some cases.

    💳 Bill Payments

    What types of bills can I pay on Abhieo?
    ▼
    Abhieo supports 25+ bill categories:
    1. Electricity Bill
    2. Water Bill
    3. Gas Bill (LPG & Piped Gas)
    4. Broadband Postpaid
    5. Landline Postpaid
    6. Cable TV
    7. Credit Card Payment
    8. Education Fees
    9. Housing Society
    10. Municipal Taxes
    11. Municipal Services
    12. Hospital Bills
    13. Insurance Premiums
    14. Loan EMI
    15. Pay Rent
    16. Recurring Deposit
    17. Club & Association
    18. Subscription Services
    19. And more!
    How do I pay my electricity bill?
    ▼
    Step 1: Click "Electricity Bill"
    Step 2: Select your electricity provider
    Step 3: Enter consumer number
    Step 4: Fetch bill details
    Step 5: Verify amount and pay using wallet
    Which electricity providers are supported?
    ▼
    Abhieo supports 100+ electricity providers across India including:

    • State electricity boards

    • Private distributors

    • Major metros and cities
    Check the app for your specific provider.
    How do I pay my water bill?
    ▼
    Step 1: Click "Water Bill"
    Step 2: Select municipal corporation
    Step 3: Enter consumer/connection number
    Step 4: Fetch bill and pay
    Can I pay LPG gas cylinder booking charges?
    ▼
    Yes! Use the "Book Gas Cylinder" feature to:

    • Book new cylinder

    • Pay cylinder booking charges

    • Manage gas connection bills
    How do I pay piped gas bills?
    ▼
    Step 1: Click "Pipe Gas"
    Step 2: Select your gas provider (like Indraprastha Gas, Gujarat Gas, etc.)
    Step 3: Enter BP number/customer ID
    Step 4: Fetch bill and pay
    Can I pay my credit card bill on Abhieo?
    ▼
    Yes! Abhieo supports credit card bill payments for all major banks:

    • HDFC, ICICI, SBI, Axis, Kotak

    • HSBC, Standard Chartered, Citibank

    • And more
    Note: Zero additional fees (check current offers).
    How do I pay education fees?
    ▼
    Step 1: Click "Education Fees"
    Step 2: Select educational institution (if listed) or enter details
    Step 3: Enter student ID/roll number
    Step 4: Enter amount or fetch bill
    Step 5: Complete payment
    Can I pay school/college fees directly?
    ▼
    Yes, if your school/college is partnered with Abhieo. Check the "Education Fees" section for available institutions.
    How do I pay housing society maintenance?
    ▼
    Step 1: Click "Housing Society"
    Step 2: Select your society (if listed) or enter details
    Step 3: Enter flat/unit number
    Step 4: Enter amount
    Step 5: Pay using wallet
    Can I pay municipal property taxes?
    ▼
    Yes! Use the "Municipal Taxes" category to pay property tax, house tax, and other municipal levies for your local corporation.
    How do I pay hospital bills through Abhieo?
    ▼
    Step 1: Click "Hospital"
    Step 2: Select hospital (if partnered)
    Step 3: Enter patient ID/bill number
    Step 4: Enter amount or fetch bill
    Step 5: Complete payment
    Can I pay insurance premiums?
    ▼
    Yes! Abhieo supports insurance premium payments for:

    • Life Insurance

    • Health Insurance

    • General Insurance

    • Vehicle Insurance
    Select your insurance provider and follow the payment process.
    How do I pay loan EMIs?
    ▼
    Step 1: Click "Loan"
    Step 2: Select your bank/NBFC
    Step 3: Enter loan account number
    Step 4: Enter EMI amount or fetch details
    Step 5: Pay using wallet
    Can I pay rent through Abhieo?
    ▼
    Yes! Abhieo has a dedicated "Pay Rent" feature. Enter landlord details and amount to process rent payments digitally.
    What is Recurring Deposit payment?
    ▼
    sThe "Recurring Deposit" category allows you to pay your monthly RD installments to banks/post offices through Abhieo.
    Can I pay club membership fees?
    ▼
    Yes! Use "Club And Association" category to pay membership fees for:

    • Sports clubs

    • Social clubs

    • Professional associations

    • Residential clubs
    How do I pay subscription services?
    ▼
    Step 1: Click "Subscription"
    Step 2: Select service (Netflix, Spotify, Amazon Prime, etc.)
    Step 3: Enter account details
    Step 4: Pay subscription fee
    Can I pay charitable donations through Abhieo?
    ▼
    Yes! Use the "Donation" category to donate to registered NGOs and charitable organizations partnered with Abhieo.

    🚗 FASTag Recharge

    What is FASTag and how do I recharge it?
    ▼
    FASTag is an electronic toll collection system. To recharge:
    Step 1: Click "Recharge FASTag"
    Step 2: Select FASTag operator/issuing bank
    Step 3: Enter vehicle registration number
    Step 4: Enter mobile number
    Step 5: Enter recharge amount
    Step 6: Pay using wallet
    Which FASTag banks are supported?
    ▼
    Abhieo supports 25+ banks including:

    • HDFC Bank, ICICI Bank, SBI, Axis Bank

    • Paytm Payments Bank, Airtel Payments Bank

    • Bank of Baroda, Kotak Mahindra Bank

    • IDFC First Bank, Federal Bank

    • And 15+ more banks
    How long does FASTag recharge take?
    ▼
    FASTag recharges are usually instant but may take up to 2 working days for bank confirmation.
    I recharged FASTag but can't cross toll. Why?
    ▼
    After recharge, toll plaza servers update every 15-30 minutes. Wait 30 minutes. If issue persists and you have minimum balance, contact your FASTag bank.
    Can I cancel FASTag recharge?
    ▼
    No, FASTag recharges cannot be cancelled once placed. For assistance, contact your FASTag issuing bank with the Bank Reference ID.
    I recharged wrong FASTag account. What can I do?
    ▼
    FASTag recharges are non-refundable and cannot be reversed. Always verify vehicle number before payment.
    My FASTag recharge shows pending. What should I do?
    ▼
    Wait up to 2 working days. If still pending, raise a complaint through the "Raise Complaint" feature under the transaction in "Your Transactions" tab.
    Are there limits on FASTag recharge amounts?
    ▼
    Yes, limits are set by the issuing bank and depend on your FASTag account's KYC status. Contact your bank for specific limits.

    🤖 AI Features

    What AI features does Abhieo offer?
    ▼
    Abhieo's AI-powered features include:

    • AI Language Detection:
    Same intelligent auto-detection:
    Browser language
    Indian timezone detection
    System locale
    Remembers preference

    • AI Features
    • Viewing analytics, plan finder

    •

    • Smart Bill Predictions: AI predicts upcoming bills based on your history

    • Intelligent Reminders: Never miss a bill payment with AI-powered alerts

    • Personalized Cashback: Machine learning offers tailored rewards

    • Payment Routing: AI optimizes transaction processing for speed

    • Transaction Insights: Analyze spending patterns with AI
    How does AI bill prediction work?
    ▼
    AI analyzes your past payment patterns and predicts when bills are due, helping you budget and plan ahead.
    Can I turn off AI reminders?
    ▼
    Check app settings for notification preferences. You can customize which reminders you receive.
    How does personalized cashback work?
    ▼
    Machine learning analyzes your transaction history and offers customized cashback deals on services you use most frequently.

    🎁 Offers & Cashback

    Where can I find current offers on Abhieo?
    ▼
    Visit: https://www.abhieo.in/Offers-Deals or check the "Offers" section in the app for latest deals and promotions.
    How do I get cashback on Abhieo?
    ▼
    Cashback is automatically applied based on:

    • Active promotional offers

    • AI-powered personalized deals

    • Service-specific campaigns
    Check offer terms before transaction.
    When will I receive my cashback?
    ▼
    Cashback crediting timelines vary by offer. Typically:

    • Instant cashback: Immediately after transaction

    • Promotional cashback: Within 24-48 hours

    • Campaign rewards: As per offer terms (usually 7-15 days)
    Is there a cashback limit?
    ▼
    Cashback limits depend on specific offers. Check individual offer terms and conditions.
    Can I combine multiple offers?
    ▼
    Usually, only one offer can be applied per transaction. Check offer terms for details.

    🔒 Security & Privacy

    How secure is Abhieo?
    ▼
    Abhieo uses multiple security layers:

    • Bank-level encryption (256-bit SSL)

    • NPCI approval and compliance

    • Two-factor authentication (TPIN)

    • Secure payment gateways

    • Regular security audits
    Does Abhieo store my payment card details?
    ▼
    Abhieo follows RBI guidelines and uses tokenization. Your complete card details are never stored on Abhieo servers.
    What is SSL certification?
    ▼
    SSL (Secure Socket Layer) is encryption technology that protects your data during transmission, ensuring secure communication between your device and Abhieo servers.
    Can someone hack my Abhieo wallet?
    ▼
    Your wallet is protected by:

    • Login password

    • TPIN for transactions

    • OTP verification for sensitive operations

    • Device authorization
    Always keep your credentials confidential.
    Does Abhieo share my personal information?
    ▼
    Check Abhieo's Privacy Policy at https://www.abhieo.in/Privacy-Policy for detailed information on data handling and sharing practices.
    What should I do if I suspect unauthorized access?
    ▼
    Immediately:
    1. Change your password
    2. Change your TPIN
    3. Contact support at wecare@abhieo.in
    4. Check transaction history for unauthorized activity
    Does Abhieo store my KYC documents?
    ▼
    No, Abhieo explicitly states that KYC documents and photos are NOT stored. They're used only for one-time verification with UIDAI.

    📊 Transactions & History

    How do I check my transaction history?
    ▼

    • Go to "My Passbook" or "Your Transactions" section

    • View all past transactions with details

    • Filter by date, service type, or status
    Can I download transaction statements?
    ▼
    Check the "My Passbook" section for download/export options. You may be able to download PDF or Excel statements.
    How long is transaction history maintained?
    ▼
    Transaction history is typically maintained for the duration of your account. Check with support for specific retention policies.
    What does "Pending" status mean?
    ▼
    "Pending" means the transaction is being processed. Wait for:

    • Recharges: 10 seconds to 24 hours

    • Bill payments: Few minutes to 2 working days

    • FASTag: Up to 2 working days
    What does "Failed" status mean?
    ▼
    Transaction failed due to:

    • Incorrect details entered

    • Service provider rejection

    • Technical issues
    Check if amount was refunded to wallet. If not, raise complaint.
    What does "Success" status mean?
    ▼
    Transaction completed successfully. Service should be activated/bill paid. If service not received despite success status, contact support.

    💬 Refunds & Complaints

    How do I get a refund for failed transactions?
    ▼

    • Wallet payments: Auto-refund within 2 days

    • No refund after 2 days: Raise dispute via app

    • Email: wecare@abhieo.in

    • WhatsApp: +919711741237

    • Resolution: 3-7 working days
    Can I get a refund for a wrong recharge?
    ▼
    No, recharges and bill payments are non-refundable once processed, even if you entered wrong details.
    How do I raise a complaint?
    ▼
    Step 1: Go to "My Passbook" / "Your Transactions"
    Step 2: Select the problematic transaction
    Step 3: Click "Raise Complaint" or "Raise Dispute"
    Step 4: Fill in complaint details
    Step 5: Submit
    You can also email wecare@abhieo.in or WhatsApp +919711741237
    How long does complaint resolution take?
    ▼
    Typical resolution time: 3-7 working days, depending on the nature of the issue and service provider response.
    Who do I contact for urgent issues?
    ▼

    • Email: wecare@abhieo.in

    • WhatsApp: +919711741237

    • Address: 1/22, 2nd Floor, Asaf Ali Road, New Delhi, 110002
    Can Abhieo refund recharges done to wrong numbers?
    ▼
    No, Abhieo cannot reverse or refund recharges done to wrong numbers. Always verify before confirming.

    🔧 Technical Issues

    The app is not working. What should I do?
    ▼

    • Check internet connection

    • Update to latest app version

    • Clear app cache

    • Restart your device

    • Reinstall the app

    • Contact support if issue persists
    I can't add money to my wallet. Why?
    ▼
    Possible reasons:

    • Internet connectivity issues

    • Bank/payment gateway problems

    • Incorrect card/banking details

    • Transaction limits exceeded

    • KYC not completed (for amounts > ₹999)
    My transaction is stuck. What should I do?
    ▼
    Wait for:

    • Recharges: Up to 24 hours

    • Bill payments: Up to 48 hours
    If still stuck, raise complaint with transaction ID.
    I received "Transaction Failed" but money was debited. What now?
    ▼
    Money will be auto-refunded to source within 5-7 working days. If not refunded, contact your bank and Abhieo support with transaction details.
    The app crashes frequently. How do I fix it?
    ▼

    • Update to latest version

    • Clear app cache and data

    • Ensure sufficient phone storage

    • Check for OS updates

    • Reinstall the app

    • Report to support for technical investigation

    👤 Account Management

    How do I update my profile information?
    ▼
    Log in and go to "My Account" or "Profile" section to update:

    • Name

    • Email (contact support)

    • Mobile number (contact support)

    • Address
    Can I delete my Abhieo account?
    ▼
    Contact customer support at wecare@abhieo.in to request account deletion. Ensure wallet balance is zero before deletion.
    Can I have multiple Abhieo accounts?
    ▼
    While technically possible, it's recommended to use one account per person for KYC compliance and easier management.
    How do I enable/disable notifications?
    ▼
    Go to Settings > Notifications to customize:

    • Transaction alerts

    • Bill reminders

    • Offer notifications

    • Promotional messages
    Can I use Abhieo on multiple devices?
    ▼
    Yes, you can log in on multiple devices, but only one active session is recommended for security.

    🎯 Referral Program

    Does Abhieo have a referral program?
    ▼
    Yes! Abhieo has a referral program. Visit the "Referral Program" section in the app or at https://www.abhieo.in/Referral_Program.aspx
    How does the referral program work?
    ▼

    • Share your unique referral code

    • Friends sign up using your code

    • Both earn rewards when friend completes first transaction

    • Check app for current reward structure
    Where can I find my referral code?
    ▼
    Check the "Referral Program" section in the app or your profile to find your unique referral code.
    Is there a limit to how many people I can refer?
    ▼
    Check current referral program terms for any limits or maximum earnings caps.

    📱 App & Platform

    Is Abhieo available on iOS?
    ▼
    Currently, Abhieo is available on Android only. iOS version is coming soon.
    Where can I download the Abhieo app?
    ▼

    • Android: Google Play Store

    • Direct download: Available on abhieo.in website

    • iOS: Coming soon
    Can I use Abhieo on desktop/laptop?
    ▼
    Yes! Visit https://www.abhieo.in and log in to access all features on your desktop browser.
    What are the system requirements for Abhieo app?
    ▼

    • Android: Version 5.0 (Lollipop) or higher (check Play Store)

    • Internet: Active internet connection required

    • Storage: Minimum 50 MB free space
    Is there a mobile website?
    ▼
    Yes, you can access Abhieo through mobile browser at https://www.abhieo.in

    💵 Fees & Charges

    Does Abhieo charge any transaction fees?
    ▼
    Abhieo claims zero fees on most services. However:

    • KYC: ₹5 per attempt

    • Some services may have partner charges

    • Check specific service for any applicable fees
    Are there any hidden charges?
    ▼
    No, Abhieo promises transparent pricing with no hidden charges. All fees (if any) are displayed before transaction confirmation.
    Does Abhieo charge for wallet maintenance?
    ▼
    Check current terms, but typically no monthly/annual wallet maintenance fees are charged.
    Are there charges for failed transactions?
    ▼
    No charges for failed transactions. Amount is refunded to wallet/source automatically.

    ⭐ Special Services

    Can I pay traffic challans/fines through Abhieo?
    ▼
    Check "Municipal Services" or contact support to see if your city's traffic challan payment is available.
    Does Abhieo support BBPS (Bharat Bill Payment System)?
    ▼
    As an NPCI-approved Bharat Connect Agent Institution, Abhieo is integrated with BBPS for standardized bill payments.
    Can I schedule future payments?
    ▼
    Check app for "Schedule Payment" or auto-pay features. Contact support if this feature is needed.
    Does Abhieo support EMI for services?
    ▼
    Some services may offer EMI options through partner banks. Check during payment for EMI availability.
    Can businesses use Abhieo for bulk payments?
    ▼
    For corporate/bulk payment requirements, contact wecare@abhieo.in for custom solutions.

    ⚠️ Limits & Restrictions

    What is the transaction limit without KYC?
    ▼
    Without KYC, you can only transact up to ₹999 total. After reaching this limit, KYC is mandatory to continue.
    What is the transaction limit after KYC?
    ▼
    KYC-verified users have higher transaction limits. Check app or contact support for specific limits based on your verification level.
    Are there daily transaction limits?
    ▼
    Limits may apply based on:

    • Your KYC status

    • Service type

    • Regulatory requirements
    Check app or contact support for specific limits.
    Can I increase my transaction limits?
    ▼
    Complete full KYC to get maximum limits. For further increases, contact support with your requirement.

    ⚖️ Legal & Compliance

    Is Abhieo RBI approved?
    ▼
    Abhieo operates as a fintech platform and is NPCI-approved as Bharat Connect Agent Institution, ensuring compliance with regulatory standards.
    What is NPCI approval?
    ▼
    NPCI (National Payments Corporation of India) approval as Bharat Connect Agent Institution means Abhieo is authorized to operate as a payment platform under NPCI's regulatory framework.
    What is Startup India recognition?
    ▼
    Abhieo is officially recognized by the Government of India's Startup India initiative, confirming its innovation and compliance with startup ecosystem standards.
    Where can I read Abhieo's Terms & Conditions?
    ▼
    Visit: https://www.abhieo.in/Terms-And-Conditions
    Where is the Privacy Policy?
    ▼
    Visit: https://www.abhieo.in/Privacy-Policy
    What is the Cancellation & Refund Policy?
    ▼
    Visit: https://www.abhieo.in/Cancellation-And-Refund
    Does Abhieo comply with data protection laws?
    ▼
    Yes, Abhieo complies with Indian data protection regulations. Review their Privacy Policy for details.

    🛡️ Bug Bounty & Security

    Does Abhieo have a bug bounty program?
    ▼
    Yes! Abhieo has a bug bounty program. Visit https://www.abhieo.in/bug-bounty for details on reporting security vulnerabilities.
    How do I report a security vulnerability?
    ▼
    Visit the Bug Bounty page or email wecare@abhieo.in with details of the security issue (responsibly disclose, don't exploit).
    What rewards does the bug bounty offer?
    ▼
    Check the Bug Bounty page for current reward structure for different severity levels of vulnerabilities.

    ❓ Miscellaneous

    Can I use Abhieo outside India?
    ▼
    Abhieo is designed for Indian residents. International usage may be restricted. Contact support for NRI/international queries.
    What languages does Abhieo support?
    ▼
    Check app settings for available languages. Primary language is English with Hindi (अभीियो) branding.
    Does Abhieo have social media presence?
    ▼
    Check the website footer or contact support for official social media handles (Facebook, Twitter, Instagram, LinkedIn).
    How can I provide feedback about Abhieo?
    ▼

    • Email: wecare@abhieo.in

    • App store review

    • Feedback form on website

    • Social media channels
    Does Abhieo have a blog or news section?
    ▼
    Check the website for blog/news updates about new features, offers, and company announcements.
    Can I become an Abhieo partner/agent?
    ▼
    For business partnerships, franchise opportunities, or agent programs, contact wecare@abhieo.in with your proposal.
    #
    What makes Abhieo different from other payment apps?
    ▼
    Key differentiators:

    • ✅ First AI-powered payment platform in India

    • ✅ NPCI Approved Bharat Connect Agent Institution

    • ✅ 25+ specialized service categories

    • ✅ Zero hidden fees

    • ✅ Focused exclusively on bills & recharges

    • ✅ Startup India recognized
    Is customer data sold to third parties?
    ▼
    Review the Privacy Policy for detailed information on data sharing practices. Legitimate platforms don't sell personal data.
    How often is the app updated?
    ▼
    Regular updates for bug fixes, security enhancements, and new features. Enable auto-updates on Play Store to stay current.

    📌 Quick Contact Summary

    💰 Charges & Fees

    Does Abhieo charge any Annual Maintenance Charge (AMC)?
    ▼
    Yes, an AMC of ₹75/year (excluding GST) is charged in 4 quarterly installments of ₹18.75 each, debited at the start of each calendar quarter (January, April, July, October). This is effective from January 1, 2026. You can opt-out by closing your wallet or upgrading to Abhieo Savings Account.
    What are the wallet inactivity charges?
    ▼
    If there are no transactions for 3 months, an inactivity charge of ₹20/month + GST is levied from the 4th month onwards.
    What are the charges for adding money to wallet?
    ▼

    • UPI: FREE

    • Debit Card: FREE

    • Credit Card: 1% + GST

    • Net Banking: FREE

    • NEFT/RTGS: FREE
    Are there charges for withdrawing money from wallet to bank account?
    ▼

    • ₹0-₹1,000: FREE

    • Above ₹1,000: ₹5 + GST

    • NEFT Transfer: FREE

    • Wallet Closure & Refund: FREE
    What are DMT (Domestic Money Transfer) charges?
    ▼
    DMT charges vary based on transaction amount:

    • ₹100-₹500: ₹5.90 total (including GST)

    • ₹501-₹1,000: ₹9.44 total

    • ₹1,001-₹2,500: ₹14.16 total

    • ₹2,501-₹5,000: ₹17.70 total

    • ₹5,001-₹10,000: ₹23.60 total

    • ₹10,001-₹25,000: ₹29.50 total
    What is Abhieo Virtual Card and what are its charges?
    ▼
    Abhieo Virtual Card is a digital prepaid card for online shopping and bill payments. It's FREE for the first year. From the 2nd year onwards, there's an annual card fee of ₹99 + GST. International transactions have a 3.5% + GST foreign currency markup charge.
    What are Virtual Card transaction limits?
    ▼

    • Per Transaction Limit: ₹50,000

    • Daily Transaction Limit: ₹1,00,000

    • Monthly Transaction Limit: ₹5,00,000

    • Daily Transaction Count: 20 transactions
    Are there SMS charges for wallet transactions?
    ▼
    First 5 SMS alerts per month are FREE. After that, ₹0.30 + GST per SMS is charged (capped at maximum ₹75 + GST per month). Email/App notifications are always FREE.
    What is the maximum wallet balance I can maintain?
    ▼

    • Minimum KYC Wallet: ₹10,000

    • Full KYC Wallet: ₹99,000
    What are the FASTag recharge charges?
    ▼
    FASTag recharge is completely FREE with zero transaction fees. You can get up to 1% cashback during promotional periods.

    🔄 Cancellation & Refund Policy

    Can I cancel a transaction after it's completed?
    ▼
    No, all successful transactions are final and irreversible. Once a payment is processed, it cannot be cancelled except in cases where the transaction failed but amount was debited.
    How long does it take to get a refund for failed transactions?
    ▼
    For failed transactions where amount was debited, refunds are automatically processed to the original payment method within 2 working days.
    Will I get a refund if I entered wrong details?
    ▼
    No, Abhieo is not responsible for incorrect entries made by users. Refunds will not be issued for transactions where you entered wrong mobile number, operator, biller ID, or amount.
    What happens if I made a duplicate payment?
    ▼
    Refunds will NOT be issued for duplicate transactions. Please verify before confirming payment.
    How do I request a refund?
    ▼
    Email wecare@abhieo.in with subject line "Refund Request – [Transaction ID]". Include transaction details, date, amount, and reason. The team will respond within 1-7 working days.
    Will I get refund if service delivery is delayed?
    ▼
    No refund will be issued for delays in service delivery due to third-party systems (telecom operators, billers). However, if service is not delivered at all, you may be eligible for a refund.

    📋 Terms & Conditions

    What is the minimum age to use Abhieo services?
    ▼
    You must be at least 18 years old to register and use Abhieo services.
    Can Abhieo modify the Terms and Conditions?
    ▼
    Yes, Abhieo reserves the right to revise, update, or delete portions of Terms at any time without prior notice. Changes become effective 24 hours after posting.
    What happens if I share my account with someone else?
    ▼
    You are responsible for maintaining account security. If your account is misused due to failure to maintain security, you will be liable and must indemnify Abhieo.
    Can Abhieo terminate my account?
    ▼
    Yes, Abhieo may suspend or terminate your account without notice for suspected fraudulent or illegal activity, or violation of Terms and Conditions.
    What is Abhieo's liability limit?
    ▼
    Abhieo's total liability shall not exceed ₹1,000 or the amount paid by you for the specific service, whichever is lower.
    How are disputes resolved?
    ▼
    Any dispute shall be resolved by binding arbitration under the Indian Arbitration and Conciliation Act, 1996. Arbitration will be conducted in English in the district where Abhieo is located.
    Which laws govern Abhieo's Terms and Conditions?
    ▼
    The Terms are governed by the laws of India, and disputes are subject to the exclusive jurisdiction of courts in New Delhi, India.
    Can I assign my Abhieo account to someone else?
    ▼
    No, you cannot assign your rights under the Terms without Abhieo's consent. However, Abhieo may assign its rights and obligations without restriction.

    🔐 Privacy Policy

    What personal information does Abhieo collect?
    ▼
    Abhieo collects: Name, email, mobile number, date of birth, address, KYC documents (PAN, Aadhaar), transaction details, payment information, device information, location data (with permission), and usage information.
    How does Abhieo use my personal information?
    ▼
    Your information is used to: process transactions, verify identity, provide customer support, detect fraud, send service notifications, provide personalized offers, comply with legal requirements, and improve services.
    Does Abhieo sell my personal data?
    ▼
    No, Abhieo does not sell, rent, or trade your personal information to third parties for marketing purposes.
    Who does Abhieo share my information with?
    ▼
    Information is shared with: payment processors, service operators (mobile/DTH/utility companies), KYC verification services, technology providers (cloud hosting, analytics), and customer support systems. All partners are bound by strict confidentiality agreements.
    How long does Abhieo retain my data?
    ▼

    • Account Information: Duration of account + 7 years after closure

    • Transaction Records: 7 years from transaction date

    • KYC Documents: 7 years after account closure

    • Communication Records: 3 years from communication date
    Where is my data stored?
    ▼
    Your personal information is primarily stored within India in compliance with data localization requirements, using secure cloud infrastructure meeting international standards (ISO 27001, SOC 2).
    How does Abhieo protect my data?
    ▼
    Abhieo uses: AES-256 encryption, multi-factor authentication, SSL/TLS protocols, firewalls, intrusion detection systems, 24/7 security monitoring, regular security audits, and restricted access controls.
    What should I never share with anyone?
    ▼
    Never share: login credentials, OTP, UPI PIN, CVV, Aadhaar details, or any sensitive information with anyone, including Abhieo employees.
    What happens if there's a data breach?
    ▼
    Abhieo will notify affected users within 72 hours of discovering the breach, inform regulatory authorities, take steps to contain the breach, and provide guidance on protective measures.
    Can I request a copy of my personal data?
    ▼
    Yes, you have the right to access your personal data. Log in to your account or contact the Data Privacy Officer to request a copy.
    Can I delete my Abhieo account and data?
    ▼
    Yes, you can request deletion of your account and personal information (subject to legal retention requirements). Contact customer support at wecare@abhieo.in or use the account deletion feature in the app.
    How can I opt-out of marketing communications?
    ▼
    You can opt-out of promotional emails, SMS, and push notifications through app settings, email unsubscribe links, or by contacting customer support.
    Does Abhieo use cookies?
    ▼
    Yes, Abhieo uses essential cookies (for functionality), performance cookies (analytics), functional cookies (preferences), and advertising cookies. You can manage cookie preferences through browser settings.
    Is Abhieo safe for children under 18?
    ▼
    No, Abhieo services are not intended for individuals under 18. Abhieo does not knowingly collect information from anyone under 18.
    What regulatory compliance does Abhieo follow?
    ▼
    Abhieo complies with: Information Technology Act 2000, RBI regulations, PMLA 2002, NPCI guidelines, TRAI regulations, ISO 27001, and PCI-DSS standards.
    How do I contact Abhieo's Data Privacy Officer?
    ▼
    Email: privacy@abhieo.in or wecare@abhieo.in
    Address: 1/22, 2nd Floor, Asaf Ali Road, New Delhi, Delhi
    • 110002, India
    Grievance Officer: grievance@abhieo.in
    Can I object to how Abhieo processes my data?
    ▼
    Yes, you can object to processing for direct marketing purposes and automated decision-making. Contact the Data Privacy Officer to exercise this right.
    Will Abhieo notify me of Privacy Policy changes?
    ▼
    Yes, Abhieo will update the "Last Updated" date, post the updated policy, and notify you via email, SMS, push notification, or app notice for significant changes.
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