Risk Disclosure

Last Updated: 01st November 2025

1. Nature of Platform

Paynxt provides technology infrastructure that enables businesses to initiate payouts through licensed financial institutions.

Paynxt is not a bank, Payment Aggregator, or Payment Gateway.

2. Banking Dependency

All transactions are processed by regulated banking partners. Processing times, settlement, and availability depend on banking networks.

3. Service Availability

While we strive for reliability, service interruptions may occur due to:

• Banking network outages
• Telecom failures
• Force majeure events
• Regulatory actions

4. User Responsibility

Businesses are responsible for:

• Providing accurate beneficiary details
• Ensuring lawful transactions
• Maintaining credential security

5. Limitation

Paynxt shall not be liable for losses arising from banking partner failures or incorrect instructions submitted by users.

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