Terms & Conditions

These terms of use (together with the documents referred to in it) (referred to as “Terms”) are the terms on which you may make use of our website Paynet.Red and/or our mobile application (Referred to as “Paynet.Red”), whether as a guest or a registered customer (referred to as “User”). Use of the Paynet.Red includes accessing, browsing, or registering, booking and paying on the Paynet.Red. Please read these Terms carefully before you start using the Paynet.Red.

By using the Paynet.Red, you confirm that you accept these Terms and that you agree to comply with them.

If you do not agree to these Terms, you must not use the Paynet.Red. If you do not agree with any amendments made to these Terms at any time in future, you must stop using the Paynet.Red with immediate effect.

These Terms refer to, incorporate, and include our Privacy Policy and Refund Policy.

About us

The Paynet.Red is owned and operated by Paynet Payment Services Provider LLC (the “Company”), with its registered office at Al Barsha, Dubai, UAE. The Company has been formed pursuant to law no. 16 of 2005 with limited liability. The United Arab Emirates is our country of domicile.

We are a reseller of prepaid mobile recharge (“Recharge”) for telecommunications service providers (the ‘Telco’ or ‘Telcos’) or other distributors or aggregators of such Telcos. Bill payments, payments for Utilities or such other services may be added to the Paynet.Red from time to time.

All the services provided by the Company to you by means of your registration on the Paynet.Red or a guest user, are hereinafter referred to as the “Services”. Any reference to “you” or “your” or “user” refers to you as a User of the Paynet.Red and the Services and any reference to “we”, “our” and “us” shall refer to the Company as the provider of the Services.


The Company is not a warrantor, insurer, or guarantor of the services to be provided by the Telcos or any 3rd party. Recharge or vouchers sold by us to you are sold without recourse against us for any breach of contract by the Telco or other 3rd parties Any disputes regarding the quality, minutes provided, cost, expiration, or other terms of the Recharge purchased must be handled directly between you (or the recipient of the Recharge) and the Telco or 3rd parties.

It is your responsibility to ensure the DTH connection to which recharge is being sent is valid. You must not attempt to recharge any illegal connection. No refund will be processed for invalid or illegal DTH recharge transactions.

The Recharge is sent instantly by us to the appropriate 3rd party upon successful payment by you. Occasionally, there may be a short delay before the relevant 3rd party applies the recharge to the mobile phone number or the DTH connection.

Paynet.Red Fees

Apple Pay and Credit cards: A nominal fee of 4,00% is applicable per transaction to process your payment card.

PayPal Wallet: Exchange rate to USD and a nominal fee of 10,00% + 0,50 USD is applicable per transaction.

The company reserves the right to add or amend fees at its discretion.

For overseas transactions, where an exchange rate has been applied, the actual amount that you are charged may vary as our payment processors FX rate may be slightly different at the time of settlement.

The total amount (inclusive of all applicable taxes and charges) that you will be required to pay will be displayed clearly before you are asked to confirm your transaction.

Changes to these terms and services

We may revise these Terms at any time by amending this page. Please check this page from time to time to take notice of any changes we made, as they are binding on you.

We may, without prior notice, change the Services; add or remove functionalities or features; stop providing the Services or features of the Services, to you or to Users generally; or create usage limits for the Services.

Changes to the Paynet.Red

We may update the Paynet.Red from time to time, and may change the Content at any time. In these Terms, the term “Content” also means any information, text, graphics, or other materials uploaded (including any features or functionalities) by the Users of the Paynet.Red, including personal information uploaded by the donors, and which may appear on the Paynet.Red for other Users to access. However, please note that any of the Content on the Paynet.Red may be out of date at any given time and we are under no obligation to update it.

We do not guarantee that the Paynet.Red, or any Content on it, will be free from errors or omissions. We encourage our Users to report any errors by writing to us from the Support section on the Paynet.Red.

Accessing the Paynet.Red

We do not guarantee that your use of the Paynet.Red, or any Content on it, will always be available or be uninterrupted. Access to the Paynet.Red is permitted on a temporary basis. We may suspend, withdraw, discontinue or change all or any part of the Paynet.Red without notice. We will not be liable to you if for any reason the Paynet.Red is unavailable at any time or for any period.

You are also responsible for ensuring that all persons who access the Paynet.Red through your Internet connection are aware of these Terms and other applicable terms and conditions, and that they comply with them.

Your account and password

If you choose to transact on the Paynet.Red, an account will be created for your use ("Account") and you will be provided with the required Account Information to enable your access to the Account. The term "Account Information" refers to a User identification details, password or any other piece of information which may be provided to you as part of our security procedures. If you access the Paynet.Red via any third party website like Facebook or Gmail, the login information of such third party account, as the case may be, shall be considered as the Account Information. You must always treat Account Information as confidential and must not disclose it to any third party. Any access to the Paynet.Red through your Account shall be considered an access by you or on your behalf and you shall be solely responsible for any activity carried out in, by or through your Account either on the Paynet.Red or any other website accessed by you through the Paynet.Red.

You represent and warrant that you are an individual of age as required to enter into a binding contract as is prescribed under the laws of the country in which you reside. Any person under the age of eighteen (18) years accessing the Paynet.Red should do so only under parental guidance. If we change the eligibility criteria to be registered with the Paynet.Red and you no longer comply with the new eligibility criteria, as determined by us in our sole discretion, you accept that we may close your Account without any liability for us. You are solely responsible for ensuring that these Terms are in compliance with all laws, rules and regulations applicable to you and the right to access the Services is revoked where these Terms or use of the Services is prohibited and, in such circumstances, you agree not to use or access the Paynet.Red or Services in any way.

We have the right to disable your use of the Account Information or any part of it, whether chosen by you or allocated by us, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.

If you know or suspect that anyone, other than you, knows or has unauthorized access to your Account Information or any part of it, you must promptly notify us via ‘Contact Us’ on the Paynet.Red. We are not liable for any losses or other consequences of unauthorized use of your account.

User Responsibilities

These Terms govern your behavior on the Paynet.Red and set forth your obligations. You agree and confirm to the following responsibilities:

  • You shall comply with all the obligations set forth in these Terms.
  • You will use the Services rendered by us for lawful purposes only and comply with these Terms and all applicable laws, statutes, by-laws, acts of legislature or parliament, rules, regulations, orders, ordinances, protocols, codes, guidelines, or policies of any governmental authority; and all applicable judicial orders and precedent Applicable Laws while using and transacting on the Paynet.Red.
  • Creation and maintenance of all Content in your account shall be your sole responsibility.
  • You are responsible for safeguarding the password that you use as a part of your Account Information to access the Services and for any activities or actions under your Account. We encourage you to use “strong” passwords preferably using a combination of upper and lower case letters, numbers and symbols with your Account. The Company will not be liable for any loss or damage arising from your failure to comply with this instruction.
  • Provide us with only such information that is true and accurate to the best of your knowledge.
  • The Service shall be utilized by you for your personal, non-commercial use only. You shall not use the Service for any commercial endeavors without express prior written consent of the Company
  • Complaints (if any) regarding the Service availed by the User must be reported to us via ‘Support’ on the Paynet.Red within two days from the date of payment. The Service shall be marked as closed if no such complaint is raised by the User within the said period.
  • You must retain a copy of your transaction records and these policies and rules.

Prohibited Conduct

By using the Paynet.Red you agree not to:

  • impersonate any person or entity, falsely claim or otherwise misrepresent an affiliation with any person or entity, or access the accounts of others without permission, forge another persons’ digital signature, misrepresent the source, identity, or content of information transmitted via the Services, perform any other similar fraudulent activity or otherwise purchase Recharge with what we reasonably believe to be potentially fraudulent funds
  • infringe our or any third party’s intellectual property rights, rights of publicity or privacy
  • post or transmit any message which is libelous, defamatory or which discloses private or personal matters concerning any person
  • post or transmit any message, data, image or program which is pornographic in nature
  • refuse to cooperate in an investigation or provide confirmation of your identity or any other information you provide to Paynet.Red
  • remove, circumvent, disable, damage or otherwise interfere with security-related features of the Paynet.Red or features that enforce limitations on the use of the services
  • reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Services or any part thereof, except and only to the extent that such prohibition is expressly prohibited by applicable law notwithstanding this limitation
  • use the Services in any manner that could damage, disable, overburden, or impair it, including, without limitation, using the Services in an automated manner
  • modify, adapt, translate or create derivative works based upon the Paynet.Red or any part thereof, except and only to the extent that such prohibition is expressly prohibited by applicable law notwithstanding this limitation
  • intentionally interfere with or damage operation of the services or any other user’s enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code or file with contaminating or destructive features
  • use any robot, spider, other automatic device, or manual process to monitor the Paynet.Red without prior written permission
  • interfere or disrupt the Paynet.Red or connected networks
  • take any action that imposes an unreasonably or disproportionately large load on our infrastructure/network
  • use any device, software or routine to bypass, or interfere or attempt to interfere, with the Services
  • forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the Paynet.Red or to manipulate your presence on the platform
  • sell the Services, information, or software associated with or derived from it
  • use the facilities and capabilities of the Paynet.Red to conduct any activity or solicit the performance of any illegal activity or other activity which infringes the rights of others
  • breach this Agreement or any other Paynet.Red agreement or policy
  • provide false, inaccurate or misleading information
  • use the Paynet.Red to collect or obtain personal information, including without limitation, financial information, about other users of the platform
  • purchase Recharge with what Paynet.Red reasonably believes to be potentially fraudulent funds
  • use the Services in a manner that results in or may result in complaints, disputes, reversals, chargebacks, fees, fines, penalties and other liability to Paynet.Red, a third party or you
  • use the Services in a manner that Paynet.Red or any payment card network reasonably believe to be an abuse of the payment card system or a violation of payment card network rules
  • take any action that may cause Paynet.Red to lose any of the Services from its service providers, Telcos, payment processors or other suppliers
  • send automated request of any kind to the Paynet.Red without express permission in advance from Paynet.Red.


We accept Visa and MasterCard cards and Internet banking as modes of payments which are processed through our payment gateway partners (“Payment Gateways”). When you make a payment for products and services on our platform, the details you are asked to submit will be provided directly to our payment gateway via a secured connection. The Company has chosen to work with established and certified Payment Gateways and is as such not liable for any potential lapse or breach at the Payment Gateway.

The company reserves the right to request documents from the user that allow for identification at any time.

Intellectual property rights

We own all rights, titles and interests, including, but not limited to, all copyright, trademark, patent, trade secret, source code, interface software, routing mechanism or other proprietary rights (“IP Rights”) of the Paynet.Red. You shall not reproduce, distribute, transmit, modify, create derivative works, display, perform or otherwise use the Paynet.Red or any of the IP Rights, or attempt to reverse engineer, decompile, disassemble, or derive the source code or the interface software of the Paynet.Red. Unauthorized use is strictly prohibited. All rights are expressly reserved.

Disclaimer of warranties

You expressly acknowledge and agree that use of the Services and the Paynet.Red is at your sole risk. The Services and the Paynet.Red are provided on an “as is” and “as available” basis. Although we make best efforts to offer high quality Services to all our Users, to the fullest extent allowed by law, we expressly disclaim all warranties and conditions of any kind, whether express or implied, including, but not limited to the warranties of merchantability or fitness for a particular purpose. The contents of the Services or the Paynet.Red may contain bugs, errors, problems or other limitations.

We make no warranty that the Services or Paynet.Red will meet your requirements or that the Services or your access to the Paynet.Red will be uninterrupted, timely, accurate or reliable; nor do we make any warranty as to any information that may be obtained through the Services or Paynet.Red. In case there is any defect in any software being used for the provision of the Services, we do not make any warranty that defects in such software will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained through use of the Services or Paynet.Red is done at your own discretion and risk and you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material or data.


You will be liable in case you introduce any viruses, Trojans, worms, logic bombs or other material that is malicious or technologically harmful. You must not attempt to gain unauthorized access to the Paynet.Red, the server on which the Paynet.Red is stored or any server, computer or database connected to the Paynet.Red. By breaching this provision, you would commit a criminal offence under the Applicable Law. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Paynet.Red will cease immediately.

We will not be liable for any loss or damage caused by a virus, denial-of-service attack, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Paynet.Red or on any website linked to it.

Limitation of our liability

To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to the Paynet.Red or any content on it including any information related to the Services or the Paynet.Red itself, whether express or implied.

We will not be liable to any User for any direct, indirect or consequential loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:

  • use of, or inability to use, the Paynet.Red;
  • use of or reliance on any content displayed on the Paynet.Red; and
  • use of the services provided through the Paynet.Red

Information we collect about you. We will use this information:

  • to administer the Paynet.Red and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes
  • to improve the Paynet.Red to ensure that content is presented in the most effective manner for you and for your computer or smartphone
  • to allow you to participate in interactive features of our Services, if any, when you choose to do so;
  • to publish in social media or on Paynet.Red for the promotion of the Company or the Paynet.Red
  • as part of our efforts to keep the Paynet.Red safe and secure
  • to measure or understand the effectiveness of advertising we serve to you and others, and to deliver relevant advertising to you
  • to make suggestions and recommendations to you and other Users of the Paynet.Red about Services that may interest you or them

Please note that we only provide the Paynet.Red for individual use. You agree not to use the Paynet.Red for any commercial or business purposes without obtaining a legally valid license to do so in accordance with these Terms.

To the maximum extent permitted by law, or maximum aggregate liability to you for any causes whatsoever, and regardless to the form of action, will at all times be limited to the value of your transaction or AED Five Hundred (AED 500), whichever is lesser.

Electronic communications

When you visit the Paynet.Red, call or write to us, you are communicating with us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You agree that in case there are any changes in any information provided by you to us, including your e-mail address and other contact details, you will be solely responsible to update them regularly.

If we send any communication by e-mail, it shall be sent to your e-mail address available on the records created by you on the Paynet.Red and it shall be deemed to have been received by you once it is reflected as sent in the outbox of our e-mail ID.

You consent to receive communications from us electronically, including but not limited to email, SMS, MMS, and telephonic calls. You also agree to receive communication from us based on usage history via SMS, email & phone call. This includes offers, discounts and general information. You can choose to opt out as per modes advised in the communication.

You acknowledge that any communication by us may be susceptible to error, omission and/ or inaccuracy. You agree that you will not hold us liable for any loss, damages, claim, expense including legal cost that may be incurred/ suffered by you on account of our communication.


To the maximum extent permitted by Applicable Law, you shall indemnify and hold harmless the Company, its owners, licensee, affiliates, subsidiaries, group companies (as applicable) and their respective officers, directors, agents, and employees, from any claim or demand, or actions including reasonable attorneys’ fees, made by any third party or penalty imposed due to or arising out of your breach of these Terms, or your violation of any law, rules or regulations or the rights (including infringement of intellectual property rights) of a third party.

Release and waiver

To the maximum extent permitted by Applicable Law, you hereby release and waive all claims against the Company, and its subsidiaries, affiliates, officers, agents, licensors, co-branders or other partners, and employees from any and all liability for claims, damages (actual and/or consequential), costs and expenses (including litigation costs and attorneys’ fees) of every kind and nature, arising from or in any way related to your use of the Paynet.Red, content or use of the Services. You understand that any fact relating to any matter covered by this release may be found to be other than now believed to be true and you accept and assume the risk of such possible differences in fact. In addition, you expressly waive and relinquish any and all rights and benefits which you may have under any other state or federal statute or common law principle of similar effect, to the fullest extent permitted by law.

If we fail to insist that you perform any of your obligations under these Terms, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.

Applicable law

Please note that these Terms, its subject matter and its formation, are governed by the laws of the United Arab Emirates. The courts of Emirate of Dubai will have exclusive jurisdiction to deal with any dispute arising out of or in connection with these Terms or any other terms and conditions made applicable on you by us and you consent to the jurisdiction and venue of such courts and waive any objection as to inconvenient forum.

This website/URL will not provide any services or products to any OFAC sanctioned countries in accordance with the laws of the UAE.


We reserve the right to refuse to continue to provide you with access to the Paynet.Red if we discover that you are incompetent to contract by virtue of your age or otherwise under applicable law. The Paynet.Red is not available to persons whose membership has been suspended or terminated by us for any reason whatsoever. In case, you choose to access the Paynet.Red from any jurisdiction not governed by the laws of the United Arab Emirates, you are solely responsible for compliance with local laws of that jurisdiction and all applicable laws.

General terms

If any provision of the Terms is found by a court of competent jurisdiction to be invalid, other provisions of such the Terms shall remain in full force and effect.

Refund policy

All sales are final with no refund or exchange permitted. You are responsible for the mobile number you purchase Mobile Recharge for and all charges that result from those purchases. We are not responsible for any purchase of Mobile Recharge for an incorrect mobile number. However, if in a transaction performed by you on the Paynet.Red, money has been charged to your card or bank account and a Mobile Recharge is not delivered please inform us at the earliest but no later than 24 hours from completion of the transaction via the Support page. Please include the following details – the Mobile number, Operator name, Recharge value and Order ID. We will investigate the incident and if it is found that the money was indeed charged from your card or bank account without the delivery of the Mobile Recharge then the money will be refunded to you within 7 working days from the date of the request. All Refunds will be credited to your card or bank account used to initiate the transaction. It may take 3-21 days for the money to show in your bank account depending on your bank’s policy.

No refunds will be processed for DTH recharge, Gift Cards (e.g. iTunes, Google Play, Amazon, Steam, etc...) and Other Vouchers (e.g. Calling Cards, Salik, etc...) under any circumstances.

Only actual account holder/card holder can purchase from Paynet.Red. If company found any wrong information regarding the card detail then company have right to hold the order until actual account holder contact with his concern bank.

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