1. Pre-Paid Consultation Wallet Model
OneAdvice employs a closed-loop pre-paid wallet architecture designed to protect seekers from surprise billing, unauthorized recurring debits, or overcharging. You must load funds onto your OneAdvice Wallet prior to initiating a live consultation.
2. Payment Gateway & Security
All wallet top-up transactions are processed through RBI-authorized payment aggregators (Razorpay Software Private Limited). Payment methods supported include:
- UPI (Google Pay, PhonePe, Paytm, BHIM, Cred)
- Debit & Credit Cards (Visa, MasterCard, RuPay, American Express)
- NetBanking across 50+ scheduled Indian commercial banks
All payment data is encrypted using 256-bit TLS v1.3 and complies with PCI-DSS Level 1 compliance standards. OneAdvice does not access, process, or store credit/debit card numbers or CVVs.
Razorpay Terms & Conditions: By making payments through OneAdvice , you agree to Razorpay's terms of service and privacy policy (View Razorpay Terms & Conditions).
3. Server-Authoritative Minute Calculation
Consultation charges are calculated strictly on our secure backend servers using atomic database transactions (select_for_update) to prevent race conditions or duplicate settlements:
- Billing begins the exact second the Expert answers the call or accepts the chat.
- Duration is calculated in whole billable minutes:
billable_minutes = math.ceil(session_seconds / 60). - Total charge =
billable_minutes * expert_rate_per_minute. - If an active session reaches your wallet limit, the system auto-disconnects with zero negative balance.
4. Taxes & Invoicing (GST Compliance)
All wallet recharges and service fees include applicable Goods & Services Tax (GST) under Indian tax laws. Seekers can download official digital receipts and tax invoices directly from their Wallet & Passbook page.
5. Escrow Custody, TDS & Minimum Withdrawal
All funds deposited by users are held in secure escrow banking custody until consultation services are fully delivered. Expert partner earnings withdrawals are subject to a minimum payout threshold of ₹500 and statutory TDS deductions under Indian Income Tax regulations.