Zesday — Payment Terms & Settlement Policy
Version: 2.0 · Effective date: 16 September 2026
This policy applies to customers, restaurant partners and delivery partners using Zesday, operated by Qubrix Technode Private Limited. On tax questions, our Tax Treatment & Compliance Disclosure gives more detail.
1. How customers pay
1.1 Customers can pay using the methods offered in the app — UPI, cards, net banking, wallets, Zesday Wallet, and cash on delivery where available.
1.2 Online payments are processed by RBI-authorised payment aggregators, PayU and Razorpay. Zesday never sees or stores full card numbers, CVVs or UPI PINs; card data is handled by the payment aggregator under PCI-DSS and RBI card-tokenisation rules.
1.3 Customer money moves only through the payment aggregator's regulated settlement process.
1.4 You authorise us, through the payment aggregator, to collect the total shown at checkout — and nothing more.
2. What the customer pays
The customer pays only the itemised total shown before payment: food value + any restaurant packaging or handling charge + GST on food + delivery fee + platform fee + GST at 18% on the delivery and platform fees + any surge or rain fee (only when it applies) − discounts + any tip the customer chooses. A tax invoice is issued for every order. No charge is added after checkout without consent.
3. Zesday Wallet
3.1 The Wallet holds credit from refunds, cashback, referral rewards, restaurant loyalty rewards and top-ups.
3.2 Wallet credit can be used only to pay for orders on Zesday. It earns no interest, cannot be transferred to another person and cannot be withdrawn as cash, except where the law requires.
3.3 A top-up is credited only after the payment aggregator confirms the payment.
3.4 Promotional credit may carry an expiry date or conditions, which are shown when it is given.
3.5 We may temporarily freeze Wallet credit while we investigate suspected fraud.
4. Restaurant settlement
4.1 Zesday collects payments for restaurant orders as the restaurant's limited payment-collection agent. The restaurant's net payout is gross sales, minus commission and the GST on it, income-tax TDS, any GST TCS, refunds or adjustments attributable to the restaurant, and any agreed share of discounts.
4.2 Cycle: Weekly. Each payout is released 1 day(s) after its settlement period closes, by bank transfer through PayU or Razorpay to the restaurant's verified bank account.
4.3 A statement itemises every order and every deduction, and the partner app shows the upcoming payout.
4.4 Cash on delivery: cash collected by the delivery partner for the food is reconciled into the settlement.
4.5 Set-off: we may set off amounts a restaurant owes us (for example refunds it is responsible for, or chargebacks) against its payouts, always itemised on the statement.
5. Delivery-partner payouts
5.1 Delivery-partner earnings (trip fees, incentives and 100% of tips) are paid to the delivery partner's verified bank account on this cycle: Weekly.
5.2 Cash-on-delivery money a delivery partner collects belongs to Zesday and the restaurant. It is set off against the delivery partner's earnings at each settlement; any balance still owed is shown in the app under Cash to deposit and must be paid to Zesday as we instruct.
5.3 Any tax deducted is shown on the statement and certified, as described in the Delivery Partner Agreement.
5.4 Penalties and adjustments are itemised with reasons and can be disputed.
6. Payout bank accounts
6.1 Restaurants and delivery partners can change their payout bank account in their app. Every change needs a one-time code sent to the registered mobile number, and the account holder is notified.
6.2 A new or changed account is verified with our payment partner before payouts are sent to it. Payouts due in the meantime are held and released once the account is verified.
7. Refunds
7.1 Eligible refunds (see the Refund & Cancellation Policy) go back to the original payment method. Any Zesday Wallet credit used on the order goes back to the Wallet.
7.2 Timelines: Wallet credit is returned instantly. Refunds to a card, UPI or bank account normally reach the customer within 5–7 business days of being issued, depending on the bank.
7.3 The party responsible for the problem — restaurant, delivery partner or Zesday — funds the refund, and it is shown on that party's statement. No party silently absorbs another's cost.
8. Chargebacks and fraud
8.1 We work with the payment aggregator on chargebacks and payment disputes. Genuine chargebacks are honoured; fraudulent claims may lead to account action.
8.2 We use fraud controls such as velocity, device and refund-abuse checks. Confirmed abuse may lead to loss of promotional credit and suspension.
9. Taxes on charges
GST, TDS and TCS on charges and payouts are explained in the Tax Treatment & Compliance Disclosure and shown on invoices and statements. Nothing is deducted without appearing on a statement.
10. Errors and reconciliation
Every order creates ledger entries that must balance, and we reconcile collections, payouts and taxes regularly. Errors are corrected with new, logged entries — never silent edits — and the correction is shown to the party affected.
11. Changes
We may change payment cycles or fees for the future, with notice. Orders already placed keep the terms that applied when they were placed.