Demonstration. The booking, traveller and documents below are invented, and every action on this page is simulated — nothing is stored. The rupee amount, the exchange rate, the terms and the checkout are real: completing the payment genuinely charges the card, and is not booked against any customer.
TRAVEL DMC DEMO-0001
Amount due
₹192.78
Proforma #DEMO · Booking DEMO-0001 · 3 nights · 2 adults

Choose how to pay

Paying in rupees
Amount
₹192.78
Received by
TDMC GLOBAL TRAVEL REP LLP
GSTIN
09AAXFT4187G1ZC
Before paying in rupees · 2 of 8 complete
Work through the items below to open the rupee route.
The PAN of the person buying the package. Checked against the income-tax database through Cashfree's Verification Suite, which confirms the PAN is active and that the registered name matches the traveller.
A scan of the PAN card itself, matching the number verified above.
Choose file PDF, JPG or PNG · up to 5 MB
✓
Identity and nationality page for an overseas booking.
Choose file PDF, JPG or PNG · up to 5 MB
✓
The address page, as required by some suppliers.
Choose file PDF, JPG or PNG · up to 5 MB
✓
Required on Singapore products for Indian passport holders.
Choose file PDF, JPG or PNG · up to 5 MB
✓
Outbound and return. Several files are normal and all are kept.
Choose file PDF, JPG or PNG · up to 5 MB
✓
The agency's own PAN and GSTIN with a signed declaration. Held once per agency.
Choose file PDF, JPG or PNG · up to 5 MB
✓
Signed acknowledgement of tax collected at source, naming each traveller.
Choose file PDF, JPG or PNG · up to 5 MB
✓
The rupee route stays closed until every check above is verified and the terms are accepted. On a real booking our team verifies each document — an agency cannot clear its own.
This opens the same hosted checkout an agency uses. Completing it genuinely charges the card you enter — the amount is deliberately small, and you can stop before confirming without being charged. The rate is held for 30 minutes from the moment you continue, so the figure shown is the figure taken. No card details are ever seen or stored by us.
Back to how payment works · Terms of payment · Refunds

Terms of payment

Version 2026.07.31 · the terms an agency accepts before paying

1. Parties, and who you are contracting with

  1. These terms govern the payment of proforma <b>the proforma invoice issued to you</b> by the Agency (<b>the Agency</b>).
  2. TDMC trades through two companies, and which one you are paying determines which of them is your counterparty for this payment. A transfer in SGD is received by <b>TRAVEL DMC PTE LTD</b>, 160 Robinson Road, #14-04 SBF Center, Singapore 068914. A payment in Indian rupees is a domestic Indian settlement received by <b>TDMC GLOBAL TRAVEL REP LLP</b>, CS 3rd Floor, Office Number 47, Ansal Plaza, Ghaziabad, Uttar Pradesh 201010, India (GSTIN 09AAXFT4187G1ZC) — it is not an inward remittance to Singapore denominated in rupees.
  3. The company that receives the payment is the contracting party for that payment, and clauses 12 and 13 apply to it accordingly. Each is referred to below as <b>TDMC</b>.

2. Nature of the sale

  1. TDMC contracts with the Agency as principal to principal. TDMC sells ground arrangements to the Agency at net rates; the Agency buys them on its own account and resells them to its customers at prices the Agency alone sets.
  2. The Agency is not TDMC's agent, employee, partner or joint venturer, and has no authority to bind TDMC or to make representations on its behalf. Nothing in this transaction creates a contract between TDMC and any traveller. TDMC owes its contractual obligations to the Agency and to no one else.
  3. Travellers are named on this booking only so that the documents which must identify them — vouchers, tickets and the tax declaration at clause 7 — can do so. Naming a traveller does not make them a party, and no traveller is ever invoiced, billed or asked for money by TDMC.

3. Prepayment

  1. Services are sold prepaid. TDMC commits its own funds to hotels, transport and attractions in advance of travel, so services are confirmed against cleared funds and not against a promise to pay.
  2. No credit facility, deferred settlement or payment-on-arrival arrangement arises from this transaction or from any past one. A proforma is a request for payment in advance, not an invoice raised on credit terms.
  3. The amount payable is the amount stated on proforma the proforma invoice issued to you as due at the time of payment. Part payment is not accepted through the rupee route (clause 5).

4. How payment may be made

  1. <b>Bank transfer in SGD.</b> To the account shown on the payment page for this proforma, and to no other account. The Agency bears its own bank's charges and any intermediary or correspondent bank charges, so that TDMC receives the full amount due. Where deductions leave a shortfall, the balance remains payable.
  2. <b>TDMC does not change its bank details by email.</b> The account shown on this payment page is the only authority for where money should be sent. Any message giving different account details, however it appears to be sent, should be treated as fraudulent and reported to TDMC before any payment is made. TDMC is not responsible for funds sent to an account other than the one shown here.
  3. Where the account title differs from the contracting company's registered name, it is an account operated by that company for receiving payments in that currency. The Agency may ask TDMC to confirm the account before paying, and should do so if anything about the details is unexpected.
  4. <b>Indian rupees by card, UPI or netbanking.</b> Processed by Cashfree Payments India Private Limited, a payment aggregator authorised by the Reserve Bank of India. The Agency's card and banking credentials are entered on Cashfree's systems; TDMC neither receives nor stores them.
  5. The rupee route is available only once every item in the compliance checklist on the payment page is complete and verified (clause 6). Bank transfer remains available at any time.
  6. Payment is treated as made when funds are received by TDMC or confirmed settled by the payment aggregator — not when the Agency initiates it, and not when a payment reference is generated.

5. Currency conversion, and the rate that binds

  1. Where the Agency elects to pay in rupees against a proforma denominated in SGD, the rupee amount is calculated at the prevailing published reference rate plus a margin of <b>INR 1.00</b> per unit of SGD. The margin is disclosed on the payment page and is the same in both directions.
  2. The rupee figure shown while the Agency is still reviewing the proforma is <b>indicative</b>. It is drawn from a recently cached rate and is offered for orientation only. It does not bind either party.
  3. The <b>binding</b> rate is fetched live at the moment the Agency asks to proceed to payment, and is then fixed for <b>30 minutes</b>. Paying within that window discharges the SGD amount in full at the fixed rate. If the window lapses, no rate is carried over: the Agency is simply quoted again.
  4. Reference rates are published on business days only. TDMC will not commit a rate older than 4 days, and where no rate fit to bill on is available the rupee route is withdrawn rather than offered at a figure TDMC cannot stand behind. The rate and its publication date are shown before the Agency commits.
  5. Movement in the market between the Agency paying rupees and TDMC realising foreign currency is TDMC's own exposure. <b>It is never recovered from the Agency.</b> Having paid the full quoted amount within the window, the Agency's obligation for that payment is discharged.
  6. Where a payment is received in excess of the amount due, the excess is held to the Agency's credit and applied to that Agency's next booking, or refunded on written request under clause 9.

6. Verification and compliance

  1. Before the rupee route opens, the Agency must provide: the lead traveller's name and Permanent Account Number, verified against the income-tax record; that traveller's PAN card, passport and, where the destination requires one, visa; the flight tickets for the journey; the Agency's own know-your-customer pack; and the declaration at clause 7.
  2. A document counts only once TDMC has checked it. Uploading is not completion. TDMC may reject a document that is illegible, expired, or does not correspond to the person or journey named, and will state the reason.
  3. The Agency confirms that it holds each traveller's consent to pass their personal data and identity documents to TDMC for these purposes, and that the information given is true. TDMC relies on that confirmation and is not obliged to look behind it.
  4. PAN verification is performed through Cashfree's verification service against the income-tax record. A verification that fails is not a judgement about the traveller; it means the route stays closed until the record matches.
  5. TDMC may decline or unwind a transaction where it reasonably suspects fraud, impersonation, money laundering, or a breach of applicable sanctions or exchange control law, and may report it where required to do so.

7. Tax collected at source

  1. TDMC does <b>not</b> collect tax at source on this transaction and does not remit any such amount on the Agency's behalf. No sum shown on proforma the proforma invoice issued to you represents TCS.
  2. TDMC's position is that it is not the seller of an overseas tour programme package to the traveller: it supplies ground arrangements to the Agency, and it is the Agency that sells the package to the end customer. The obligation under Section 394(1) of the Income-tax Act, 2025 therefore rests with the Agency.
  3. Accordingly the Agency undertakes to collect tax at source from its customer at the rate prescribed from time to time, to deposit it against its own Tax Deduction and Collection Account Number in accordance with the Income-tax Rules, 2026, to file Form 143 within time, and to issue its customer the prescribed certificate.
  4. The Agency indemnifies TDMC against any tax, interest, penalty or cost arising from the Agency's failure to do so. This undertaking is recorded in the signed declaration on the payment page and survives completion of the booking.
  5. This clause records the parties' allocation of a statutory responsibility between themselves. It is not tax advice, and it does not displace any obligation the law imposes directly on either party. Each party is responsible for taking its own advice.

8. Goods and services tax

  1. The taxes charged on this transaction are those shown on proforma the proforma invoice issued to you. Where no tax is shown, none is charged and none is included in the amount due.
  2. Any GST chargeable on a supply made by TDMC GLOBAL TRAVEL REP LLP is shown separately. TRAVEL DMC PTE LTD is not GST-registered in Singapore and charges no GST on its supplies to the Agency.
  3. Any tax, levy or withholding imposed in the Agency's own jurisdiction on its payment is the Agency's responsibility, and the amount reaching TDMC must be the full amount due.

9. Refunds, cancellation and amendment

  1. Cancellation and amendment charges are those set out in the booking's own terms and the confirmation issued with it. They reflect what suppliers charge TDMC and are not restated here, so that there is only ever one statement of them.
  2. A refund is made to the same instrument and in the same currency as the original payment. A rupee payment is refunded in rupees to the originating account. Where a refund crosses currencies, it is converted at the rate prevailing on the date the refund is made, not the rate at which it was paid; the difference is neither charged to nor payable by either party.
  3. Approved refunds are initiated within seven business days. The time thereafter is the acquiring bank's or card scheme's, and is outside TDMC's control.
  4. Amounts already irrecoverably committed to suppliers are not refundable, whatever the reason for cancellation.

10. Disputes about a payment

  1. The Agency will raise any query about an amount charged with TDMC first, quoting the proforma reference, so that it can be examined against the record.
  2. Initiating a chargeback in place of that — where the underlying services have been supplied or are held confirmed against committed supplier funds — is a breach of these terms. TDMC will defend such a claim with the acceptance record, the verified compliance file and the supplier confirmations, and may recover the scheme's fees.
  3. TDMC retains, for each payment: the version of these terms accepted, the rate quoted and the rate committed, the time the rate was fixed, the amount requested and the amount settled. That record is what TDMC relies on, and the Agency may ask for it at any time.

11. Liability

  1. Nothing in these terms limits liability for fraud, for fraudulent misrepresentation, or for anything a party may not lawfully limit.
  2. Subject to that, TDMC's aggregate liability arising out of this transaction is limited to the amount actually received by TDMC under this proforma.
  3. Neither party is liable to the other for loss of profit, loss of business or other indirect or consequential loss.
  4. Neither party is liable for failure caused by events beyond its reasonable control, including the acts of a payment aggregator, banking or telecom outage, or the act of a government or regulator.

12. Personal data

  1. TDMC processes the personal data supplied for this transaction — traveller identity, identity documents and payment references — to perform the booking, to meet its verification obligations and to keep the records the law requires it to keep.
  2. Data is shared with the suppliers who must have it to deliver the services, and with the payment aggregator to process payment and verification. It is not sold and is not used for any unrelated purpose.
  3. Where the receiving company is TDMC GLOBAL TRAVEL REP LLP, processing is subject to the Digital Personal Data Protection Act, 2023. Where it is TRAVEL DMC PTE LTD, it is subject to the Personal Data Protection Act 2012.
  4. Documents withdrawn by the Agency are removed from view but retained in the audit record, because what was submitted and withdrawn is part of the compliance file.

13. Governing law and jurisdiction

  1. Where the payment is received by TDMC GLOBAL TRAVEL REP LLP, these terms are governed by the laws of India and the parties submit to the exclusive jurisdiction of the courts at Ghaziabad, Uttar Pradesh.
  2. Where the payment is received by TRAVEL DMC PTE LTD, these terms are governed by the laws of Singapore and the parties submit to the exclusive jurisdiction of the courts of Singapore.

14. General

  1. These terms, the proforma and the booking confirmation are the whole of what is agreed about this payment. Where they conflict, the booking confirmation governs the services, and these terms govern the payment.
  2. A version of these terms is fixed at the moment the Agency proceeds to payment and is recorded against that payment. A later revision does not change what was accepted for a payment already made.
  3. If any clause is held unenforceable, the rest continues in force.
  4. No failure by TDMC to enforce a term waives it.