Every payment
has a pulse.

01Merchant identity

The contracting and collecting entity is YCO Multiverse Private Limited. Online checkout should display YCO's approved merchant identity. Do not pay a counsellor, employee or director through a personal bank account or personal UPI QR for a NEET Live plan.

02Documented payment flow

1. The student selects the INR 499 plus 18% GST NEET Live Starter Pack (total payable INR 588.82), or accepts a written Complete Care scope and quote after speaking with YCO.
2. For online Starter checkout, the student provides name, email ID, phone number, NEET rank, marks and State or UT, and accepts the applicable policies. A Complete Care quote request initially asks only for name and phone number with a clear contact and privacy notice.
3. YCO's server creates a unique order and locks the authorised payable amount.
4. The payment provider collects UPI, card, netbanking or another enabled method on its secure checkout.
5. YCO verifies the payment signature and provider status on the server. A screenshot is not confirmation.
6. Only a captured payment activates delivery. YCO then provides a payment receipt and begins the documented onboarding step.

03Receipt and tax invoice

A verified transaction generates a numbered payment receipt containing the YCO and gateway references. Where a GST tax invoice is legally required, it is generated through YCO's approved accounting sequence using the registered business particulars, applicable SAC and tax treatment confirmed by YCO's chartered accountant. The gateway receipt and YCO tax invoice serve different purposes and should both be retained.

04UPI and QR safety

A static company QR is an exceptional assisted-payment backup. The payer must enter the exact amount and YCO reference, and access remains pending until finance verifies the transaction in the merchant bank or gateway record. YCO will never ask for a UPI PIN or OTP.

05Failed, pending or duplicate payment

If checkout fails, do not repeatedly pay. Check the bank or UPI app first. If an amount is debited but the website shows pending, contact billing support with the YCO order ID, gateway payment ID or UTR, payment time and last four digits of the payer's phone number. Do not email a card number, UPI PIN or OTP.

A duplicate confirmed payment is reviewed against gateway and bank settlement records before refund processing.

06Refunds and chargebacks

Refund eligibility is governed by the published Refund Policy, the selected plan scope, applicable consumer law and the recorded delivery status. Approved refunds are sent to the original payment method through the gateway wherever possible. Gateway, bank and card-network timelines may apply after YCO processes the refund.

Before raising a chargeback, contact YCO with the transaction reference so the payment and service record can be reviewed.

07Billing support

For payment status, receipts, duplicate transactions or refund questions, contact YCO Multiverse Private Limited using the published business contact. Include only the minimum information required to locate the payment.