No Surprises: INTRAPAY’s Clear-Cut Withdrawal Policy Explained.
Ready to Withdraw? Read This First! INTRAPAY’s Full Policy.
🚀 INTRAPAY’s Secure, Easy, & 100% Guaranteed Withdrawal Policy 🛡️
We believe in complete transparency and making things simple! At INTRAPAY, our goal is to ensure you never face a problem. That’s why we’re laying out our entire withdrawal process in plain, straightforward language.
Please Note: Before making any transaction, we kindly ask you to carefully read and understand all of INTRAPAY’s policies.
💰 How and Where You Can Withdraw
The Income Wallet: Your Earning Hub
- The Rule: You can only withdraw commission earnings from your Income Wallet.
- Important: Once you transfer funds from your Income Wallet to your Main Wallet, those funds cannot be withdrawn back to your bank. They are then available for use within the INTRAPAY system (e.g., payments, services).
Understanding the Bonus Wallet
- What it is: The Bonus Wallet is an extra incentive created and funded entirely by the company from its own share.
- Its Purpose: It helps maintain the smooth functioning and targets of the company and may be used by the company to automatically fulfill certain customer goals.
- Withdrawal: Funds in the Bonus Wallet are not customer-owned and cannot be withdrawn by you.
📢 Important Update: Managing Your Advance Offline Offer
At Intrapay Recharge, our mission is to bring digital connectivity to every corner of the country—especially to small towns and villages where recharge facilities are still hard to find.
To help you lead this mission, we have provided an Advance Offline Offer along with your loaded balance. However, to ensure we reach the right people, there are specific guidelines on how these funds must be used.
🚀 The Goal: Empowering Communities
The Advance Offline Offer is a specialized tool designed for growth and promotion. Your mission is to:
- Bridge the Gap: Use these funds to create IDs for individuals in remote areas where services are limited.
- Support the Unemployed: Help those who want to earn but lack the initial capital. You can use your Advance funds to convert their accounts to Pro IDs, giving them a chance to start their own journey.
- Earn as You Grow: Every time these new users recharge for their friends and family, the commission stays with you!
⚠️ Vital Usage Rules
To keep the system fair and focused on expansion, please adhere to the following “Do’s and Don’ts”:
- No Self-Use: These funds cannot be used for your own personal expenses or to recharge your own account.
- No Market Transfers: Do not transfer these funds to existing shopkeepers or merchants in the market.
- Direct-to-Consumer Only: This fund is strictly for creating IDs for individual people who want to help their local circles.
📋 Accountability & Performance
We trust you to use this advance responsibly. Please keep a clear record of the IDs you create and provide an account of these activities to the company.
Note: Since these funds are an advance intended for company promotion, Intrapay Recharge reserves the right to reclaim the funds if they are used for personal expenses or if the promotion tasks are not completed.
💡 Clear Breakdown of Withdrawal Deductions
When you initiate a withdrawal (or transfer funds from your Income Wallet to your Main Wallet), a total of 20% is deducted. Here is exactly where that 20% goes:
| Deduction | Percentage | Purpose | Key Information |
| TDS (Tax Deducted at Source) | 5% | Fulfills government tax requirements. | This is credited directly to your PAN card. You can verify this deduction on the relevant TDS website. |
| Admin Charge | 5% | Used for essential software maintenance, security, and updates. | Helps keep the INTRAPAY platform running optimally and securely for you. |
| Bonus Wallet Contribution | 10% | This amount is added to the company-controlled Bonus Wallet. | This helps reduce server load by consolidating all bonus-related deductions into a single withdrawal transaction, rather than taxing the server on every small transaction. |
Simple Calculation Example
If you withdraw ₹100:
- Total Deduction (20% of ₹100) = ₹20
- Amount Transferred to your Main Wallet/Bank Account = ₹80
✅ Important Points to Remember
- Security First: Our policy is designed to be secure and reliable for every customer.
- Use it or Lose it: Funds transferred from Income Wallet to Main Wallet are for system use only and cannot be withdrawn externally.
- Taxes are Transparent: The 5% TDS deduction is mandatory and fully accounted for against your PAN.
Here is the attractive and simplified version of INTRAPAY’s Withdrawal Timing policy, including added clarity and important points:
⏱️ INTRAPAY Withdrawal Timing: Get Your Earnings When You Need Them
We are committed to honesty and clarity. We will never mislead you with false promises—our goal is to make sure you know exactly when your funds will arrive!
🏦 Bank Withdrawal Schedule (Income Wallet to Bank)
We aim to process large volumes safely and efficiently. To avoid bank transaction overload, we have a clear, once-a-month schedule:
- Frequency: Once a Month
- Request Anytime: You can submit your withdrawal request on any day of the month.
- Payment Day: All approved withdrawals will be transferred to your bank account on the 11th day of the next month.
💡 Example: If you request a withdrawal on January 25th, your funds will be credited to your bank on February 11th.
⚡ Instant Transfers (Income Wallet to Main Wallet)
Need your funds for a quick recharge or service payment within the INTRAPAY platform?
- Speed: Instant!
- Availability: You can transfer funds from your Income Wallet to your Main Wallet at any time.
- Usage: Once in your Main Wallet, you can immediately use the funds for services like recharges.
🔒 BMO Withdrawal Timing (Special Investment Policy)
The timing for withdrawing your BMO (Business Management Option) investment depends entirely on the type of balance you used to invest.
1. BMO Investment with Offered/Offline Balance
🌟 Grow Your Network with the Intrapay Advance Offer! 🌟
We are excited to see you expanding the Intrapay Recharge family. To help you reach new heights, we’ve provided you with Advance Offer Funds. This isn’t just a balance—it’s your “growth engine” to help promote our services and build a massive customer base!
To ensure we are all on the same path to success, please keep these important guidelines in mind:
🚀 Your Mission: Build, Promote, & Earn
The Advance Offer is designed strictly for Company Promotion. Use these funds to bring new, individual users onto the platform.
- The Reward: All commission income generated from the customers you acquire using these funds will be added directly to your Offline Balance!
- The Goal: Focus on everyday people—friends, neighbors, and families in underserved areas.
🛑 Important Usage Guidelines
To keep your account in good standing, please avoid the following:
- No Personal Investment: These funds are company property provided for promotion, not for personal investment or private use.
- No Commercial Entities: Do not use these funds to create IDs for shopkeepers, retailers, or anyone already in the recharge business.
- Target Individuals: This offer is exclusively for individual customers, not commercial hubs.
💡 A Quick Reminder on Accountability
We want you to succeed, but we also value transparency.
Important: If funds are used for commercial purposes or for existing businesses, the invested amount will be reclaimed as company property.
Let’s use this opportunity to empower individuals and maximize your offline earnings! 💰
Would you like me to create a “Quick Guide” graphic or a bulleted list of “Do’s and Don’ts” to share with your team?
| Condition | Timing & Rules | Key Takeaway |
| Minimum Lock-in | 18 months (1.5 years) from the date you made the BMO investment. | Your first BMO withdrawal is only possible after this 18-month lock-in is complete. |
| Multiple BMOs | Each BMO investment has its own separate 18-month clock. | If you invest multiple times, track the 1.5-year period for each individual investment date. |
| Withdrawal Limit | Once the 18 months are complete, you can apply for BMO withdrawal twice per year. | This helps manage the liquidity and stability of the platform. |
| BMO Renewal | If you renew your BMO, the 18-month lock-in period restarts from the date of renewal. | Plan your renewals carefully! |
| Premature Withdrawal | If you withdraw before the 18-month period is complete, the entire offered/offline balance used for the investment will be deducted. | You will receive the remaining funds within 15 days, but this penalty is significant. |
| Date Example | If you invested on July 15, 2025, the 18-month lock-in ends on January 15, 2027. | We have corrected the calculation to 1.5 years or 18 months, which is the standard industry definition. |
2. BMO Investment with Online Balance (Your Own Deposited Funds)
Using your own cash funds gives you maximum flexibility!
- No Time Limit: You can withdraw your BMO funds whenever you want.
- Speed: There is no minimum lock-in period.
- Processing: Your withdrawal request will be processed on the standard 11th day of the next month (as per the Bank Withdrawal Schedule above).
🛑 Important Intrapay Withdrawal Rules 🛑
We want to make sure everyone enjoys using Intrapay fairly! Please read these two simple rules about withdrawing money to your bank account:
1. Group Spending Limit (The ₹1.5 Lakh Rule)
- We check the total business done by all your Intrapay accounts that share the same PAN card.
- If the total outgoing money (spent on recharges or transfers) across all those linked accounts reaches ₹1.5 lakh or more, then no one in that group will be able to withdraw money to the bank.
- Keep it simple: If your group spends too much, bank withdrawal stops for everyone linked to that PAN.
2. No Commercial Use
- Intrapay is designed for personal use.
- If we find that your account is being used for business or commercial purposes, we will immediately block your bank withdrawal option.
- Good News: You can still use your remaining balance to do recharges and make payments, following the standard limits. You just won’t be able to send the money to your bank account.
Enjoy your safe and simple Intrapay experience!
Quick Q&A: Understanding Your Withdrawal Limits
| Question | Simple Answer |
| Q1. What is included in the ₹1.5 lakh limit? | It includes all the money you spend on recharges and transfers (outgoing business). |
| Q2. Whose spending is counted toward the limit? | We combine the spending of all Intrapay accounts that are registered under the same PAN card. |
| Q3. What happens if our combined spending reaches ₹1.5 lakh? | Bank withdrawal will be permanently disabled for all accounts linked to that PAN card. |
| Q4. Can I still use the money in my wallet after the limit is reached? | Yes, you can still use the balance for recharges and payments. Only bank withdrawal is stopped. |
Regarding the Commercial Use Rule
| Question | Simple Answer |
| Q5. What does “commercial use” mean? | It means using your personal Intrapay account for business activities (like high-volume reselling or business transactions). |
| Q6. What happens if Intrapay finds my account is used commercially? | Your ability to withdraw money to the bank will be blocked. |
| Q7. If my withdrawal is blocked for commercial use, what can I do with my remaining balance? | You can still use the money for recharges and payments as usual, following the app’s recharge limit rules. |