Important information
Disclaimer
Please understand the nature of PayNestam services and the partner opportunity before making a decision.
Last updated: 3 October 2026
These terms and policies may be updated as and when required. Please check this website periodically for the latest updates.
1. Not a bank or deposit scheme
PayNestam is not a bank or NBFC and does not accept deposits from the public. Banking and payment services are delivered through regulated banks and authorised service providers.
2. Business outcomes vary
This is an operating business opportunity, not an investment, savings product or passive-return scheme. Earnings depend on eligible transaction turnover, service availability, location, customer demand, compliance and day-to-day management. No income or return is promised.
3. Third-party decisions
Banks and service providers decide service availability, customer eligibility, account or card approval, limits, fees, settlement and reversals under their own rules.
4. Information accuracy
We aim to keep information clear and current. The signed agreement, official invoice and provider terms remain controlling documents for a partner or transaction.