Payment Policy
1. Introduction
Welcome to Skill91. This Payment Policy establishes the legal framework governing every payment transaction conducted through the Skill91 platform. It explains the procedures applicable to assessment fee payments, educational service payments, payment authorization, transaction processing, payment verification, successful and failed transactions, payment security, refund eligibility, fraud prevention, chargebacks, payment disputes, taxation, and every other payment-related activity performed through the Skill91 platform.
Skill91 provides an online educational assessment platform where participants may register for assessments, educational activities, competitions, skill evaluations, certificate services, and other eligible services. Certain services require payment of an assessment fee or other applicable charges before registration or participation can be completed.
To provide participants with a secure, reliable, and convenient payment experience, Skill91 utilizes authorized third-party payment processing services, including Razorpay and its integrated banking partners, payment gateways, card networks, UPI systems, and financial institutions. These payment providers process payment transactions in accordance with applicable industry security standards and financial regulations.
Skill91 itself does not operate as a banking institution, payment bank, card issuer, prepaid payment instrument provider, money transfer service, or financial institution. Skill91 merely facilitates payment collection for educational services through authorized payment processing partners.
By making any payment through the Skill91 platform, you acknowledge that you have carefully read, understood, and voluntarily agreed to comply with this Payment Policy together with the Terms & Conditions, Privacy Policy, Wallet Policy, Withdrawal Policy, Refund & Cancellation Policy, Certificate Policy, Assessment & Evaluation Policy, Academic Grant Policy, and every other applicable legal document published through the Skill91 Legal Center.
2. Scope of this Payment Policy
This Payment Policy applies to every payment transaction initiated through the Skill91 website, mobile applications, APIs, educational assessment systems, Wallet services, Academic Grant services, certificate services, future digital platforms operated by Skill91, and every payment-related feature introduced by Skill91 from time to time.
The Policy governs payments made using UPI, Credit Cards, Debit Cards, Net Banking, supported Wallets, EMI facilities where available, international payment methods where enabled, and every other payment option officially supported by Skill91 through its authorized payment gateway providers.
This Policy applies before payment initiation, during payment authorization, throughout payment processing, after successful transaction completion, during refund processing, while payment disputes remain pending, during fraud investigations, and for such period thereafter as payment records are retained for legal, accounting, audit, taxation, fraud prevention, customer support, or operational purposes.
This Payment Policy should always be read together with the Terms & Conditions, Refund & Cancellation Policy, Wallet Policy, Withdrawal Policy, Privacy Policy, Certificate Policy, Academic Grant Policy, and all other applicable Skill91 legal policies. Where multiple policies govern the same transaction, those policies shall be interpreted together.
3. Definitions
3.1 “Payment”
“Payment” means every financial transaction initiated by a participant through the Skill91 platform for assessment registration, educational services, certificates, Wallet funding, or any other authorized service offered by Skill91.
3.2 “Payment Gateway”
“Payment Gateway” refers to the secure payment processing infrastructure utilized by Skill91 for processing electronic payments. At the time of publication of this Policy, Skill91 primarily utilizes Razorpay together with its authorized banking partners and financial service providers. Skill91 reserves the right to add, replace, or discontinue payment gateway providers at any time.
3.3 “Transaction”
A Transaction means every payment authorization, payment attempt, successful payment, failed payment, pending payment, refund, reversal, chargeback, Wallet funding, Academic Grant payment, or other financial activity processed through the Skill91 platform.
3.4 “Assessment Fee”
Assessment Fee means the amount payable by a participant for registration in a Skill91 assessment, competition, educational activity, evaluation, or any other paid service offered by Skill91.
3.5 “Participant”
Participant means every registered user who initiates, authorizes, attempts, or completes a payment through the Skill91 platform.
4. Payment Eligibility
Only registered Skill91 users maintaining active accounts in good standing are eligible to make payments through the Skill91 platform. Participants must ensure that all registration information, identity information, contact information, and payment-related information provided to Skill91 remains accurate, complete, and current before initiating any payment.
Participants must possess legal authority to use the selected payment method. Payments may only be made using payment instruments lawfully owned or authorized for use by the participant. Skill91 prohibits unauthorized use of another person’s payment card, UPI account, bank account, internet banking credentials, or digital payment account.
Skill91 reserves the right to refuse, suspend, delay, investigate, or cancel payment transactions where fraud prevention systems identify unusual activity, payment authorization fails, regulatory restrictions apply, participant eligibility cannot be verified, or other legitimate security concerns arise.
5. Accepted Payment Methods
Skill91 supports multiple secure electronic payment methods through its authorized payment gateway partners in order to provide participants with flexible and convenient payment options.
5.1 UPI Payments
Participants may complete payments using supported Unified Payments Interface (UPI) applications and linked bank accounts, subject to availability, banking support, transaction limits, and successful authorization by the participant’s banking institution.
5.2 Credit Cards
Eligible participants may pay assessment fees using internationally or domestically supported credit cards accepted by the authorized payment gateway, subject to card issuer approval and applicable banking regulations.
5.3 Debit Cards
Payments may also be completed using supported debit cards issued by eligible banking institutions participating in the payment network supported by the payment gateway.
5.4 Net Banking
Participants may authorize secure payments directly through supported internet banking facilities offered by participating banks integrated with the authorized payment gateway.
5.5 Other Payment Methods
Skill91 may introduce additional payment methods including digital wallets, EMI facilities, Buy Now Pay Later services, international payment options, or other financial technologies as supported by authorized payment providers and applicable regulations.
6. Payment Gateway Services (Razorpay)
Skill91 currently utilizes Razorpay as its primary online payment gateway for securely processing electronic payment transactions. Razorpay acts as an independent payment technology provider facilitating communication between participants, banking institutions, payment networks, UPI providers, card issuers, and Skill91.
Participants acknowledge that payment authorization, authentication, banking verification, card validation, UPI authorization, payment settlement, transaction security, and payment confirmation are performed through Razorpay and its authorized financial ecosystem in accordance with applicable banking regulations and industry security standards.
Skill91 does not receive or permanently store confidential payment credentials including full card numbers, CVV numbers, ATM PINs, UPI PINs, internet banking passwords, OTP authentication secrets, or other sensitive financial credentials. These credentials remain under the secure processing environment of Razorpay and the applicable financial institutions.
Temporary interruptions affecting Razorpay, banking systems, card networks, UPI infrastructure, internet connectivity, payment gateways, or financial institutions may occasionally affect payment processing. Skill91 shall not be responsible for delays or interruptions arising solely from systems outside its reasonable operational control, although reasonable assistance will be provided to participants wherever practicable.
7. Assessment Fee Payments
Certain educational services available through the Skill91 platform require payment of an Assessment Fee before a participant becomes eligible to participate in an assessment, skill evaluation, educational competition, certification process, academic grant program, training activity, or any other paid service offered by Skill91. The applicable Assessment Fee is displayed on the relevant assessment page before payment confirmation and forms part of the registration process.
Assessment Fees are determined by Skill91 based upon factors including the assessment category, educational program, competition level, evaluation requirements, administrative costs, certificate services, Academic Grant structure, technological infrastructure, and other operational considerations. Skill91 reserves the right to revise Assessment Fees at any time prior to payment confirmation. Any revised fee shall not affect payments that have already been successfully completed unless otherwise required by applicable law.
Participants are responsible for carefully reviewing the applicable Assessment Fee, taxes where applicable, convenience charges if any, promotional discounts, coupon deductions, Wallet adjustments, and the final payable amount before authorizing payment. Submission of a payment constitutes confirmation that the participant has accepted the applicable fee structure.
Payment of the Assessment Fee grants the participant only the opportunity to participate in the selected assessment or educational service. Payment does not guarantee assessment success, selection as a winner, issuance of a certificate, receipt of an Academic Grant, improvement in ranking, employment opportunities, admission into educational institutions, or any other outcome unless expressly stated by Skill91.
Where an assessment requires additional optional services such as premium evaluation, expedited certificate processing, printed certificates, verification services, training programs, educational resources, or future premium features, separate charges may apply and shall be disclosed before payment confirmation.
8. Payment Authorization
Every payment initiated through the Skill91 platform requires authorization from the participant using the selected payment method. Authorization may include UPI approval, card authentication, OTP verification, internet banking confirmation, biometric authentication, payment application approval, banking verification, or any other security mechanism required by the applicable financial institution or payment gateway.
By authorizing a payment, the participant confirms that they are the lawful owner or authorized user of the selected payment instrument and possess full legal authority to initiate the transaction. Participants further represent that sufficient funds, credit limits, or banking authorization exist to complete the requested payment.
Skill91 relies upon payment confirmations received from Razorpay, banking institutions, payment gateways, card issuers, UPI systems, and authorized financial service providers. Skill91 cannot override payment authorization decisions made by banks or payment providers.
Participants should carefully verify every payment detail before authorizing a transaction, including the assessment selected, payable amount, payment method, promotional discounts, Wallet usage where applicable, and billing information. Once payment authorization has been completed, cancellation may not always be possible depending upon the stage of payment processing.
Skill91 reserves the right to decline payment processing where authorization cannot be successfully completed, payment verification fails, fraud prevention systems identify unusual activity, or applicable financial regulations require additional review.
9. Successful Payments
A payment shall be regarded as successful only after Skill91 receives official confirmation from the authorized payment gateway that the transaction has been completed successfully and the applicable funds have been received or validly authorized for settlement.
Following successful payment confirmation, the participant may receive an electronic payment acknowledgment through the Skill91 dashboard, registered email address, SMS where available, payment receipt, transaction confirmation page, or other official communication channel supported by Skill91.
Successful payment ordinarily results in activation of the corresponding assessment registration, educational service, Wallet funding, certificate request, or other purchased service. Activation timelines may vary depending upon payment reconciliation, system synchronization, verification procedures, or other operational requirements.
Participants should retain their payment receipt, Razorpay Transaction ID, Payment ID, Order ID, bank reference number, UPI reference number, or any other payment confirmation generated during the transaction. These references may be required for customer support, refund processing, payment investigations, reconciliation, or dispute resolution.
Where technical synchronization delays occur after successful payment, Skill91 shall make reasonable efforts to reconcile payment records promptly following confirmation received from the payment gateway or banking institution.
10. Failed Payment Transactions
A payment transaction may fail for various reasons including insufficient account balance, expired cards, incorrect payment information, incorrect UPI credentials, banking server interruptions, payment gateway outages, internet connectivity failures, transaction timeouts, security verification failures, fraud prevention controls, regulatory restrictions, payment authorization failures, or operational issues affecting financial institutions.
Where a payment fails before successful authorization or settlement, the participant shall not be considered registered for the relevant assessment or educational service unless payment is subsequently completed successfully through a new transaction or successful payment recovery process.
Participants should avoid making repeated payment attempts immediately after a failed transaction unless they have first confirmed the status of the original payment. Duplicate payment attempts may increase the possibility of temporary banking authorizations or multiple transaction requests.
If funds are debited from the participant’s account while the Skill91 platform displays payment failure, participants should allow reasonable time for banking reconciliation. In many cases, unsuccessful transactions are automatically reversed by the participant’s banking institution or payment provider in accordance with their internal settlement procedures.
Where payment discrepancies remain unresolved after reasonable processing time, participants should contact Skill91 Customer Support together with the relevant Razorpay Payment ID, UPI Reference Number, Bank Transaction Reference, or other payment evidence to facilitate investigation.
11. Pending Payment Transactions
Certain payment transactions may remain in a pending status while payment confirmation, banking authorization, settlement processing, payment gateway communication, fraud screening, or technical reconciliation remains incomplete. Pending status indicates that the final transaction outcome has not yet been determined.
Participants should not assume that a pending payment has either failed or succeeded until official confirmation has been received through the Skill91 platform or the authorized payment gateway. Premature assumptions regarding payment status may result in unnecessary duplicate transactions.
During the pending period, Skill91 may temporarily withhold assessment registration until final payment confirmation has been received from the applicable financial institution or payment gateway. This precaution protects participants against duplicate registrations and financial inconsistencies.
The duration of pending payment processing may vary depending upon banking systems, UPI infrastructure, payment gateway reconciliation, weekends, public holidays, transaction verification procedures, network conditions, and other operational factors beyond the reasonable control of Skill91.
Where a pending transaction is ultimately confirmed as successful, participant registration shall ordinarily be activated automatically. Where the payment ultimately fails, no registration shall occur unless a new successful payment is completed.
12. Duplicate Payments and Multiple Transactions
Skill91 recognizes that duplicate payments may occasionally occur due to repeated payment attempts, browser refreshes, internet interruptions, multiple clicks on the payment button, banking synchronization delays, payment gateway retries, technical failures, or other circumstances beyond the participant’s immediate control.
Participants are strongly encouraged to wait for the payment confirmation page or official payment status update before attempting another payment. Initiating multiple payment attempts while an earlier transaction remains pending may increase the possibility of duplicate payments.
Where duplicate payments are successfully identified through transaction reconciliation, Skill91 shall review the affected transactions and process appropriate corrective action in accordance with the Refund & Cancellation Policy, internal reconciliation procedures, and payment gateway verification records.
Participants requesting investigation of duplicate payments should provide the applicable Razorpay Payment ID, Order ID, Bank Reference Number, UPI Transaction ID, payment receipt, registered email address, assessment details, transaction date, and any other information reasonably necessary to facilitate financial reconciliation.
Skill91 reserves the right to verify every claimed duplicate transaction with Razorpay, banking institutions, payment gateways, and financial service providers before approving any refund, Wallet credit, transaction adjustment, or other corrective financial action.
13. Unified Payments Interface (UPI) Payments
Skill91 supports payment through the Unified Payments Interface (“UPI”) using authorized payment service providers integrated with the official Razorpay Payment Gateway. UPI enables participants to securely complete assessment fee payments directly from their linked bank accounts using supported UPI-enabled mobile applications.
Participants remain solely responsible for ensuring that the UPI ID entered during payment belongs to them or that they are otherwise lawfully authorized to use the selected UPI account. The participant must verify the merchant name, payment amount, and transaction details before approving any UPI payment request.
Every UPI transaction requires successful authorization through the participant’s UPI application. Skill91 never requests, receives, stores, or has access to the participant’s UPI PIN. UPI authentication occurs entirely within the secure infrastructure maintained by the participant’s UPI application, banking institution, NPCI infrastructure where applicable, and the authorized payment gateway.
UPI payment availability may vary depending upon banking system maintenance, payment gateway availability, transaction limits imposed by the participant’s bank, mobile network connectivity, technical interruptions, government payment infrastructure maintenance, or other operational circumstances beyond the reasonable control of Skill91.
Where a UPI payment is successfully authorized but the participant dashboard has not yet been updated, participants should allow reasonable time for payment synchronization before initiating another transaction. Duplicate UPI payments resulting from repeated payment attempts shall be investigated in accordance with this Payment Policy and the applicable Refund & Cancellation Policy.
14. Credit Card Payments
Eligible participants may complete payments using supported domestic or international Credit Cards accepted through the official Razorpay Payment Gateway, subject to the policies of the issuing bank, applicable card network regulations, payment authorization requirements, fraud prevention procedures, and applicable financial regulations.
Credit Card payments may require OTP verification, 3-D Secure authentication, biometric verification, banking application approval, transaction verification, or other authentication procedures required by the issuing financial institution before payment authorization can be completed successfully.
Skill91 does not collect, process, retain, or permanently store complete Credit Card numbers, Card Verification Values (CVV), expiry dates, ATM PINs, or authentication credentials. Such sensitive financial information remains exclusively within the secure payment environment operated by Razorpay, the applicable card network, payment processors, and the issuing financial institution.
Participants are responsible for ensuring that sufficient available credit exists on the selected Credit Card before initiating payment. Declined Credit Card transactions resulting from insufficient credit limits, expired cards, issuer restrictions, fraud controls, blocked cards, international transaction restrictions, or banking decisions remain outside the operational control of Skill91.
Where Credit Card payments remain pending or are declined, participants may select another supported payment method or contact their card issuer for further assistance regarding transaction authorization.
15. Debit Card Payments
Skill91 supports secure payment using eligible Debit Cards issued by participating banking institutions through the official Razorpay Payment Gateway. Debit Card payments are processed subject to the authorization procedures, security standards, transaction limits, and operational policies established by the participant’s issuing bank.
Debit Card transactions may require OTP authentication, card verification, secure transaction approval, banking application confirmation, or additional authentication procedures before successful payment authorization can occur.
Participants should carefully verify the payable amount, merchant information, assessment details, and transaction summary before confirming any Debit Card payment. Once payment authorization has been completed successfully, reversal or cancellation may not always be possible depending upon banking settlement procedures.
Skill91 shall not be responsible for Debit Card transaction failures resulting from insufficient account balance, expired cards, blocked cards, incorrect card information, banking server interruptions, payment gateway downtime, transaction limits imposed by the issuing bank, or other banking-related operational issues.
Sensitive Debit Card information including full card numbers, CVV values, ATM PINs, authentication credentials, and secure verification data remain protected within the secure payment infrastructure operated by authorized financial service providers and are not accessible to Skill91.
16. Net Banking Payments
Participants may choose to complete payments using Net Banking services provided by participating banking institutions integrated with the Razorpay Payment Gateway. Net Banking payments permit direct authorization through the participant’s online banking account without requiring card-based payment instruments.
Participants remain solely responsible for protecting their Internet Banking credentials, passwords, authentication devices, OTPs, security tokens, and other confidential banking information. Skill91 never requests or stores Internet Banking passwords or authentication credentials.
Successful Net Banking payments depend upon the availability of the participant’s banking institution, banking servers, payment gateway infrastructure, internet connectivity, transaction authorization systems, and successful completion of applicable banking authentication procedures.
Temporary banking maintenance, scheduled downtime, network interruptions, server overload, fraud prevention measures, transaction limits, or other operational events affecting the participant’s banking institution may temporarily prevent successful Net Banking payments. Such circumstances remain beyond the reasonable operational control of Skill91.
Where Net Banking payments remain incomplete, participants should verify transaction status with their banking institution before initiating another payment attempt to reduce the possibility of duplicate transactions.
17. International Payments
Where Skill91 enables international payment functionality, eligible participants located outside India may complete payment using supported international payment methods approved by Razorpay and participating financial institutions, subject to applicable banking regulations, foreign exchange laws, card network rules, and payment gateway availability.
International transactions may be subject to currency conversion, foreign exchange fluctuations, international banking charges, card issuer fees, intermediary banking charges, taxation requirements, transaction verification procedures, cross-border payment regulations, and additional security reviews imposed by financial institutions.
Participants acknowledge that the final amount charged to their payment instrument may vary from the displayed assessment fee due to applicable currency conversion rates, foreign transaction fees, banking charges, taxes, or exchange rate adjustments imposed by their financial institution.
Skill91 does not control exchange rates, foreign banking charges, card issuer fees, intermediary bank deductions, or government-imposed taxes applicable to international transactions. Participants should consult their banking institution regarding international payment charges before completing payment.
18. Payment Verification and Financial Reconciliation
Every payment received by Skill91 may undergo payment verification and financial reconciliation procedures before final confirmation of assessment registration, Wallet funding, certificate services, Academic Grant administration, or other purchased services. These procedures are intended to maintain financial accuracy, prevent fraud, resolve technical inconsistencies, and ensure reliable transaction records.
Payment verification may include confirmation of Razorpay Payment IDs, Order IDs, Bank Reference Numbers, UPI Transaction IDs, settlement confirmations, transaction timestamps, payment gateway notifications, banking acknowledgments, participant registration information, and other transaction records reasonably necessary to establish successful payment.
Where discrepancies arise between participant records and payment gateway records, Skill91 reserves the right to temporarily suspend activation of the purchased service until reconciliation has been completed. Participants may be requested to provide payment receipts, transaction references, banking confirmations, screenshots, or other supporting documentation during the verification process.
Financial reconciliation may occasionally require cooperation between Skill91, Razorpay, participating banking institutions, payment processors, UPI providers, card networks, and other authorized financial service providers. Accordingly, certain payment investigations may require additional processing time before final resolution can be achieved.
Skill91 reserves the right to correct duplicate credits, payment mismatches, reconciliation errors, technical inconsistencies, settlement discrepancies, accounting inaccuracies, or other financial irregularities identified during payment verification in accordance with applicable laws and this Payment Policy.
19. Payment Security
Skill91 is committed to maintaining a secure, reliable, and trustworthy payment environment for every participant using the Skill91 platform. The protection of payment transactions, participant information, and financial communications forms an essential component of the Skill91 security framework. Accordingly, Skill91 implements appropriate administrative, technical, and organizational safeguards intended to reduce the risk of unauthorized access, financial fraud, payment manipulation, data compromise, and other security threats affecting online payment services.
All payment transactions initiated through the Skill91 platform are transmitted using secure encrypted communication channels designed to protect information while it travels between the participant’s device, the Skill91 platform, the authorized payment gateway, participating banking institutions, and other approved financial service providers. These encrypted communication methods help reduce the possibility of unauthorized interception during payment processing.
Participants are encouraged to access the Skill91 platform only through trusted internet connections, official Skill91 websites, secure mobile devices, and legitimate payment pages. Participants should avoid initiating payments through public computers, unsecured Wi-Fi networks, unofficial applications, suspicious websites, unknown QR Codes, or links received from unverified sources.
Skill91 continuously reviews its payment infrastructure and may implement additional security technologies, authentication mechanisms, fraud prevention systems, monitoring procedures, and technical improvements whenever reasonably necessary to strengthen payment protection and maintain platform security.
Although commercially reasonable security measures are implemented, participants acknowledge that no internet-based payment system, communication network, banking infrastructure, or electronic platform can guarantee absolute protection against every possible cyber threat, technical failure, or criminal activity.
20. Secure Payment Standards and PCI Compliance
Skill91 processes online payments through authorized payment gateway providers that maintain industry-recognized payment security standards for electronic financial transactions. At the time of publication of this Policy, payment processing is facilitated primarily through Razorpay together with participating banks, card networks, UPI infrastructure, and authorized financial institutions.
Sensitive payment credentials including complete Credit Card numbers, Debit Card numbers, Card Verification Values (CVV), ATM PINs, UPI PINs, Internet Banking passwords, authentication secrets, and similar confidential payment information are processed directly within the secure payment environment maintained by the authorized payment gateway and participating financial institutions.
Skill91 does not intentionally collect, permanently store, or retain confidential card credentials or payment authentication secrets that are not reasonably required for providing educational services. Payment information visible to Skill91 is generally limited to transaction references, payment status, Order IDs, Payment IDs, settlement confirmations, billing information where applicable, and other operational records reasonably necessary to administer participant services.
Participants acknowledge that payment security standards applicable to payment gateways, banking institutions, card issuers, and financial networks may evolve over time. Skill91 reserves the right to integrate additional payment technologies, authentication procedures, and security requirements whenever reasonably necessary to maintain compatibility with evolving financial industry standards.
21. Fraud Prevention and Financial Protection
Skill91 maintains a strict zero-tolerance policy toward payment fraud, financial manipulation, identity theft, unauthorized payment activity, chargeback abuse, forged payment confirmations, fake transaction receipts, stolen payment instruments, promotional abuse, account compromise, payment gateway manipulation, and every other form of unlawful financial conduct affecting the Skill91 platform.
To protect participants and preserve the integrity of the payment ecosystem, Skill91 may utilize automated fraud detection systems, transaction monitoring technologies, behavioral analytics, payment verification procedures, device recognition systems, IP address monitoring, login analysis, transaction history reviews, banking validation procedures, manual investigations, and other reasonable security measures appropriate for digital payment services.
Fraud prevention procedures may operate before payment authorization, during payment processing, after payment confirmation, during refund processing, throughout Academic Grant administration, or during any subsequent financial investigation where unusual activity is detected.
Participants agree not to manipulate payment systems, intentionally submit false payment confirmations, alter transaction receipts, misuse stolen banking credentials, create multiple accounts for payment abuse, exploit technical vulnerabilities, interfere with payment gateway infrastructure, or otherwise engage in conduct intended to obtain financial or educational benefits unlawfully.
Where fraud is reasonably suspected, Skill91 reserves the right to suspend assessment registrations, freeze Wallet balances, delay refunds, cancel Academic Grant processing, suspend participant accounts, revoke certificates where appropriate, reverse financial transactions where legally permissible, and cooperate with banking institutions, payment gateways, law enforcement agencies, and competent regulatory authorities.
22. Chargebacks and Payment Reversals
A chargeback occurs when a participant disputes a completed payment through their card issuer, banking institution, payment service provider, or other authorized financial intermediary, resulting in a request to reverse the original transaction. Skill91 recognizes that legitimate chargebacks may occasionally arise due to unauthorized transactions, technical errors, or genuine payment disputes.
Participants are encouraged to contact Skill91 Customer Support before initiating a chargeback whenever reasonably possible. Many payment concerns, duplicate transactions, technical issues, registration errors, or refund-related matters can often be resolved more efficiently through direct communication without requiring formal banking disputes.
Where a chargeback is initiated, Skill91 may temporarily suspend the participant’s assessment registration, Wallet functionality, certificate issuance, Academic Grant processing, refund requests, withdrawal services, or other platform benefits relating to the disputed transaction until the financial investigation has been concluded.
Participants agree to cooperate fully by providing transaction references, payment receipts, banking confirmations, communication records, screenshots, or any additional documentation reasonably required during chargeback investigations conducted by Skill91, Razorpay, participating banking institutions, or card networks.
Where investigation establishes that a chargeback was fraudulent, abusive, intentionally misleading, or inconsistent with the applicable Skill91 policies, Skill91 reserves the right to recover financial losses, suspend participant accounts, restrict future payment methods, permanently terminate platform access, or pursue any other lawful remedy available under applicable law.
23. Unauthorized Transactions
Participants should immediately notify Skill91 and their banking institution if they reasonably believe that an unauthorized payment has been initiated using their Skill91 account or payment instrument. Prompt reporting significantly improves the ability of financial institutions and payment providers to investigate suspected unauthorized activity.
Participants remain responsible for maintaining the confidentiality of their banking credentials, UPI PINs, OTPs, Internet Banking passwords, authentication devices, card information, and every other payment authentication mechanism. Skill91 shall not be responsible for unauthorized transactions resulting from participant negligence, phishing attacks, social engineering, malware, device compromise, credential sharing, or unauthorized disclosure of confidential financial information.
Upon receiving a report of suspected unauthorized payment activity, Skill91 may temporarily suspend affected participant services, conduct payment verification, cooperate with Razorpay and banking institutions, review transaction history, analyze login activity, and implement additional security measures intended to protect the participant’s account.
Participants may be requested to provide supporting documentation, banking confirmations, police reports where appropriate, identity verification, transaction references, or additional information reasonably necessary to facilitate investigation of the reported unauthorized transaction.
24. Payment Disputes and Financial Investigations
Skill91 is committed to resolving legitimate payment disputes fairly, professionally, and in accordance with applicable laws, banking regulations, payment gateway procedures, and this Payment Policy. Payment disputes may include duplicate payments, incorrect payment amounts, failed transactions, pending payments, unauthorized transactions, billing discrepancies, reconciliation issues, settlement delays, refund disagreements, or other financial concerns relating to payments made through the Skill91 platform.
Participants submitting payment disputes should provide all reasonably available supporting information including the registered email address, participant name, Razorpay Payment ID, Razorpay Order ID, Bank Transaction Reference Number, UPI Transaction ID, payment receipt, assessment details, transaction date, amount paid, and a detailed description of the issue requiring investigation.
Skill91 may conduct payment investigations independently or in cooperation with Razorpay, banking institutions, payment processors, card issuers, UPI providers, financial intermediaries, auditors, regulatory authorities, or other organizations reasonably necessary to establish the correct financial outcome.
Investigation timelines may vary depending upon the complexity of the dispute, banking response times, payment gateway reconciliation procedures, availability of supporting documentation, fraud prevention requirements, legal obligations, and cooperation received from participating financial institutions.
Following completion of the investigation, Skill91 may confirm the original transaction, process an eligible refund, restore Wallet balances where appropriate, reject unsupported claims, recover incorrectly credited amounts, update transaction records, or implement other corrective administrative measures consistent with this Payment Policy, the Refund & Cancellation Policy, and applicable law.
25. Taxes, Government Charges, and Regulatory Compliance
Participants acknowledge that payments made through the Skill91 platform may, where applicable under prevailing laws, be subject to taxes, statutory levies, government charges, payment processing fees, banking charges, regulatory assessments, or other legally applicable financial obligations. Skill91 shall calculate and collect applicable taxes only where required by law and in accordance with the legal and regulatory framework governing its operations.
The amount displayed on the final payment confirmation page ordinarily represents the total amount payable by the participant, including any applicable taxes or statutory charges that Skill91 is legally required to collect. Participants are encouraged to carefully review the complete payment summary before authorizing any transaction.
Where tax laws, government regulations, or statutory requirements change after publication of this Payment Policy, Skill91 reserves the right to revise applicable tax calculations, payment structures, invoices, billing procedures, and payment documentation to maintain compliance with applicable legal obligations.
Participants remain solely responsible for understanding any personal tax consequences arising from payments made to Skill91 or financial benefits subsequently received through the Skill91 platform, including Academic Grants where applicable. Skill91 does not provide tax, accounting, financial, or legal advice regarding participant-specific tax obligations.
26. Payment Receipts and Transaction Records
Following successful completion of an eligible payment transaction, Skill91 may generate an electronic payment receipt, invoice, confirmation record, transaction acknowledgment, or other payment documentation through the participant dashboard, registered email address, or other official communication channels supported by the platform.
Payment receipts may include transaction references such as the Razorpay Payment ID, Razorpay Order ID, Bank Reference Number, UPI Transaction ID, assessment name, participant information, payment amount, taxes where applicable, payment date, transaction status, and other administrative information reasonably necessary to identify the completed transaction.
Participants are strongly encouraged to retain payment receipts and transaction confirmations for future reference. Such records may be required during refund requests, payment investigations, duplicate payment claims, certificate verification, Academic Grant administration, customer support inquiries, taxation purposes, accounting records, or legal proceedings.
Skill91 reserves the right to maintain electronic payment records for accounting, audit, fraud prevention, legal compliance, dispute resolution, customer support, financial reconciliation, regulatory reporting, and other legitimate operational purposes in accordance with applicable laws.
27. Relationship with Refund and Cancellation Policy
This Payment Policy governs the collection, authorization, verification, processing, and administration of payments made through the Skill91 platform. Eligibility for refunds, cancellation of registrations, reversal of payments, Wallet credits, duplicate payment adjustments, or other post-payment financial remedies shall be governed separately by the Skill91 Refund & Cancellation Policy.
Completion of a successful payment does not automatically establish eligibility for a refund. Refund eligibility shall always depend upon the applicable Refund & Cancellation Policy, the nature of the purchased educational service, assessment status, timing of the cancellation request, operational considerations, payment verification, fraud prevention procedures, and any other applicable legal requirements.
Where inconsistencies appear to exist between this Payment Policy and the Refund & Cancellation Policy regarding post-payment financial remedies, both policies shall be interpreted together to the maximum extent permitted by applicable law.
Participants acknowledge that refunds, where approved, may be processed through the original payment method, the Skill91 Wallet, or another approved payment mechanism as determined under the applicable Refund & Cancellation Policy.
28. Responsibilities of Participants
Every participant is responsible for ensuring that every payment initiated through the Skill91 platform is accurate, properly authorized, and conducted using a lawful payment instrument belonging to the participant or otherwise validly authorized for use. Participants should verify all payment information before authorizing any transaction.
Participants shall ensure that sufficient account balance, available credit limit, banking authorization, payment permissions, and internet connectivity exist before initiating payment. Participants should avoid repeated payment attempts while an earlier transaction remains pending unless specifically instructed otherwise by Skill91 Customer Support.
Participants are responsible for protecting the confidentiality of their banking credentials, payment authentication information, OTPs, UPI PINs, Internet Banking passwords, authentication devices, payment applications, and every other financial security mechanism associated with their chosen payment method.
Participants agree not to manipulate payment systems, submit forged payment receipts, falsify transaction confirmations, misuse another person’s payment credentials, initiate fraudulent chargebacks, interfere with payment processing systems, or otherwise engage in conduct intended to obtain unauthorized educational or financial benefits.
Participants should promptly report suspected duplicate payments, unauthorized transactions, payment discrepancies, technical payment failures, or other payment-related concerns to Skill91 using the official support channels together with all available transaction references.
29. Rights Reserved by Skill91
Skill91 reserves all rights reasonably necessary to establish, administer, secure, improve, suspend, modify, investigate, audit, monitor, discontinue, or otherwise manage the payment services offered through the Skill91 platform. These rights may be exercised whenever reasonably necessary to maintain payment security, comply with applicable legal obligations, prevent fraud, improve operational efficiency, or protect participants and the Skill91 educational ecosystem.
Without limiting the foregoing, Skill91 reserves the right to revise accepted payment methods, payment gateways, assessment fee structures, payment verification procedures, transaction limits, billing practices, payment technologies, fraud prevention systems, security requirements, payment schedules, administrative procedures, and other operational features whenever reasonably necessary.
Skill91 further reserves the right to suspend, reject, reverse, investigate, delay, cancel, reconcile, or otherwise modify payment transactions where technical failures, banking irregularities, duplicate transactions, payment disputes, fraud investigations, regulatory requirements, legal obligations, administrative errors, or platform security considerations reasonably justify such action.
Nothing contained within this Payment Policy shall be interpreted as limiting Skill91’s authority to protect its payment infrastructure, technological systems, intellectual property, educational programs, participants, payment partners, financial records, Academic Grant programs, or legitimate business interests.
30. Limitation of Liability
To the maximum extent permitted by applicable law, Skill91 shall not be liable for indirect, incidental, consequential, exemplary, punitive, or special damages arising from payment gateway interruptions, banking system failures, UPI network outages, card issuer decisions, transaction delays, internet connectivity problems, telecommunications failures, payment authentication errors, financial institution maintenance, or other circumstances beyond the reasonable operational control of Skill91.
Skill91 shall not be responsible for financial losses resulting from incorrect payment information submitted by participants, participant negligence, unauthorized disclosure of payment credentials, phishing attacks, malware, compromised devices, social engineering attacks, fraudulent third-party websites, or unauthorized access to participant banking facilities.
Participants remain solely responsible for verifying payment details before authorizing transactions, protecting confidential banking information, complying with applicable platform policies, maintaining secure devices, and reviewing payment confirmations after every transaction.
Nothing contained within this limitation of liability shall exclude or restrict any liability that cannot lawfully be excluded or limited under applicable law.
31. Data Security and Privacy of Payment Information
Skill91 recognizes the importance of protecting every participant’s payment-related information and is committed to maintaining a secure payment environment through appropriate administrative, technical, organizational, and operational safeguards. Payment-related information processed through the Skill91 platform shall be handled responsibly and in accordance with applicable laws, this Payment Policy, and the Skill91 Privacy Policy.
Payment information processed during assessment fee collection may include the participant’s name, registered email address, registered mobile number, payment amount, assessment details, transaction references, Razorpay Payment ID, Razorpay Order ID, Bank Reference Number, UPI Transaction ID, billing information where applicable, transaction status, timestamps, and other operational information reasonably necessary to administer payment services.
Sensitive financial credentials including complete Credit Card numbers, Debit Card numbers, Card Verification Values (CVV), ATM PINs, UPI PINs, Internet Banking passwords, authentication secrets, OTP values, and similar confidential payment credentials are not intentionally collected, stored, or retained by Skill91. Such confidential information is processed securely within the infrastructure operated by Razorpay, participating banks, card networks, UPI systems, and authorized payment service providers.
Payment-related information may be processed for legitimate purposes including payment verification, transaction reconciliation, fraud prevention, customer support, accounting, audit activities, dispute resolution, refund administration, Wallet management, Academic Grant administration, legal compliance, taxation requirements, and continuous improvement of the Skill91 platform.
Skill91 may disclose limited payment-related information to authorized payment gateways, banking institutions, card networks, UPI providers, auditors, financial service providers, regulatory authorities, law enforcement agencies, or other organizations where such disclosure is reasonably necessary for payment processing, legal compliance, fraud prevention, dispute resolution, or other purposes permitted by applicable law.
32. Payment Records and Transaction Retention
Skill91 maintains official electronic records relating to payment transactions in order to ensure financial transparency, accurate accounting, payment reconciliation, customer support, dispute resolution, fraud prevention, regulatory compliance, taxation, audit readiness, and operational administration.
Payment records maintained by Skill91 may include payment confirmations, transaction references, Razorpay Order IDs, Razorpay Payment IDs, assessment registrations, invoices, payment receipts, refund records, Wallet adjustments, duplicate payment investigations, payment gateway notifications, banking confirmations, settlement reports, transaction history, and related administrative records.
Payment records may be retained for such period as Skill91 reasonably determines necessary to satisfy applicable legal obligations, accounting standards, taxation requirements, banking regulations, audit requirements, fraud investigations, customer support activities, certificate administration, Academic Grant processing, and legitimate business operations.
Deletion of a participant account, cancellation of an assessment, closure of a Wallet, or completion of an educational activity shall not necessarily require immediate deletion of historical payment records where continued retention remains reasonably necessary for legal, accounting, operational, financial, or regulatory purposes.
33. Amendments and Policy Updates
Skill91 reserves the unrestricted right to revise, amend, replace, modify, expand, consolidate, suspend, withdraw, or otherwise update this Payment Policy whenever reasonably necessary to reflect changes in applicable legislation, banking regulations, taxation requirements, payment technologies, Razorpay integration, financial industry standards, cyber security practices, operational procedures, educational services, or legitimate business requirements.
Updated versions of this Payment Policy shall ordinarily become effective immediately upon publication through the official Skill91 Legal Center unless another effective date is expressly specified within the revised Policy.
Participants are encouraged to review the most recent version of this Payment Policy before making assessment fee payments, purchasing educational services, funding Wallet balances, requesting refunds, participating in Academic Grant programs, or otherwise using payment-related services offered by Skill91.
Continued use of the Skill91 platform following publication of an updated Payment Policy constitutes acknowledgment and acceptance of the revised provisions to the maximum extent permitted under applicable law.
Where material changes significantly affect payment procedures, accepted payment methods, participant rights, billing practices, or transaction processing, Skill91 may communicate such updates through dashboard notifications, registered email communications, website announcements, or other official communication channels where reasonably practicable.
34. Contact Information
Participants requiring assistance relating to payment transactions, Razorpay payments, UPI payments, Credit Card payments, Debit Card payments, Net Banking transactions, duplicate payments, pending transactions, failed payments, payment verification, invoices, receipts, refunds, transaction disputes, fraud reporting, or other payment-related matters may contact Skill91 through its official communication channels.
Email: support@skill91.fun
Website: https://skill91.fun
When contacting Skill91 regarding a payment-related matter, participants are encouraged to provide the registered participant name, registered email address, Razorpay Payment ID, Razorpay Order ID, Bank Reference Number, UPI Transaction ID, payment receipt, assessment details, transaction date, payment amount, and a detailed description of the issue. Providing complete information assists Skill91 in conducting prompt verification and efficient resolution.
Skill91 shall make commercially reasonable efforts to review and respond to legitimate payment-related inquiries within a reasonable period, subject to banking cooperation, payment gateway investigations, verification requirements, legal obligations, operational workload, and the complexity of the matter.
35. Severability
If any provision, clause, paragraph, sentence, or portion of this Payment Policy is determined by a court of competent jurisdiction, regulatory authority, arbitral tribunal, or other lawful authority to be invalid, unlawful, void, or unenforceable, such determination shall not affect the validity, legality, or enforceability of the remaining provisions of this Payment Policy.
Every remaining provision shall continue in full force and effect to the maximum extent permitted under applicable law. Where reasonably possible, any invalid provision shall be interpreted, modified, or replaced in a manner that most closely reflects the original legal, commercial, educational, financial, and operational intent of the affected provision while remaining legally enforceable.
36. Entire Agreement Regarding Payment Services
This Payment Policy forms an integral part of the Skill91 Legal Center and should always be read together with the Terms & Conditions, Privacy Policy, Wallet Policy, Withdrawal Policy, Refund & Cancellation Policy, Certificate Policy, Assessment & Evaluation Policy, Academic Grant Policy, Content Submission Policy, Fair Play Policy, Disclaimer, and every other legal policy published by Skill91.
Together, these legal documents constitute the complete legal framework governing payment authorization, assessment fee collection, financial verification, transaction processing, Wallet funding, refund administration, Academic Grant payments, participant responsibilities, fraud prevention, payment disputes, financial compliance, and the legal relationship between Skill91 and every participant using payment-related services, unless expressly modified through a separate written agreement executed by authorized representatives of Skill91.
37. Final Legal Statement
Skill91 is committed to maintaining a secure, transparent, reliable, and professionally administered digital payment ecosystem that supports educational assessments, academic excellence, certificate services, Wallet functionality, Academic Grant administration, and every other eligible educational service offered through the Skill91 platform.
Through secure payment gateway integration, responsible financial governance, robust verification procedures, transaction monitoring, fraud prevention technologies, payment reconciliation systems, and continuous operational improvements, Skill91 endeavors to provide participants with a trustworthy payment experience while protecting the integrity of every financial transaction conducted through the platform.
By initiating a payment, authorizing a transaction, funding a Wallet, paying an assessment fee, purchasing an educational service, receiving payment confirmations, requesting refunds, participating in Academic Grant programs, or otherwise using any payment-related service provided through the Skill91 platform, you acknowledge that you have carefully read, fully understood, and voluntarily agreed to be legally bound by this Payment Policy together with every other applicable legal document published through the Skill91 Legal Center.
Nothing contained within this Payment Policy shall be interpreted as limiting any legal rights, obligations, protections, remedies, responsibilities, or authorities available to Skill91 or participants under applicable law. Where ambiguity exists, this Payment Policy shall be interpreted in a manner that best preserves financial integrity, participant protection, educational fairness, payment security, regulatory compliance, and the lawful administration of the Skill91 educational ecosystem.
This Payment Policy forms an integral part of the Skill91 Legal Center and should be read together with the Terms & Conditions, Privacy Policy, Wallet Policy, Withdrawal Policy, Refund & Cancellation Policy, Certificate Policy, Assessment & Evaluation Policy, Academic Grant Policy, Content Submission Policy, Fair Play Policy, Disclaimer, and all other applicable legal documents governing the use of the Skill91 platform.