Payment Policy
Welcome to our website. This Payment Policy outlines the terms and conditions related to payments made for products and services purchased through our website. By placing an order, you agree to the terms described below.
Accepted Payment Methods
We offer secure and convenient payment options for our customers, including:
- Credit Cards (Visa, MasterCard, RuPay, American Express)
- Debit Cards
- UPI Payments (Google Pay, PhonePe, Paytm, BHIM, etc.)
- Net Banking
- Digital Wallets
- Cash on Delivery (COD) (where available)
- EMI Options (if supported by payment providers)
- Gift Cards or Store Credits (if applicable)
Available payment methods may vary depending on your location and order value.
Payment Security
We prioritize the security of your payment information.
- All transactions are processed through secure and encrypted payment gateways.
- Sensitive payment information is never stored on our servers.
- SSL (Secure Socket Layer) encryption is used to protect customer data.
- Payments are processed in compliance with industry-standard security practices.
We do not collect or retain your complete credit card or banking information.
Order Confirmation
Once payment is successfully completed:
- An order confirmation email and/or SMS will be sent.
- Customers will receive an order number for future reference.
- Orders are processed only after payment authorization is successfully completed.
If payment authorization fails, the order may be automatically canceled.
Pricing and Currency
- All prices displayed on the website are listed in Indian Rupees (INR) unless otherwise stated.
- Prices include applicable taxes unless specified otherwise.
- Shipping charges, handling fees, or additional taxes may be calculated separately during checkout.
- We reserve the right to change product prices at any time without prior notice.
The final amount payable will be displayed before order confirmation.
Payment Authorization
When you place an order:
- Your payment method may be pre-authorized or verified.
- Funds may be temporarily held by your bank or payment provider.
- The final charge will be processed once the transaction is approved.
Failure to obtain authorization may result in order cancellation.
Cash on Delivery (COD)
For eligible orders:
- COD service may be available based on location and order value.
- Additional COD charges may apply.
- Customers must provide accurate contact information for verification.
- We reserve the right to refuse COD services for certain products, locations, or customers.
Repeated order cancellations may result in COD restrictions.
Failed Transactions
A payment may fail due to:
- Insufficient account balance
- Incorrect payment information
- Bank authorization failure
- Network issues
- Expired card details
- Payment gateway errors
If payment fails but money is deducted from your account, please wait for confirmation from your bank or payment provider.
Refund Policy for Failed Payments
If a payment is successfully deducted but the order is not confirmed:
- The transaction will be reviewed.
- Eligible refunds will be processed automatically.
- Refund timelines depend on the payment provider and bank.
Typical refund processing times:
| Payment Method | Estimated Refund Time |
|---|---|
| Credit Card | 5–10 Business Days |
| Debit Card | 5–10 Business Days |
| Net Banking | 3–7 Business Days |
| UPI | 2–7 Business Days |
| Wallets | 1–5 Business Days |
Actual timelines may vary by financial institution.
Billing Information
Customers are responsible for providing:
- Accurate billing name
- Correct billing address
- Valid contact number
- Accurate email address
Incorrect information may result in payment delays, verification issues, or order cancellation.
Fraud Prevention
To protect customers and our business:
- Orders may be subject to payment verification.
- Additional identity verification may be requested for high-value transactions.
- Suspicious, fraudulent, or unauthorized transactions may be canceled without notice.
- We reserve the right to report fraudulent activity to relevant authorities.
Taxes and Duties
- Applicable GST and other taxes are charged according to Indian laws and regulations.
- Tax amounts will be displayed during checkout and on invoices.
- Customers are responsible for any additional taxes, duties, or government charges applicable to their purchases.
Invoice and Receipt
Upon successful payment:
- A digital invoice or payment receipt will be generated.
- Customers may receive invoices via email.
- Invoices can also be requested through customer support.
Please retain invoices for warranty, returns, and future reference.
Subscription Payments (If Applicable)
For subscription-based products or services:
- Payments may be automatically renewed at the end of the subscription period.
- Customers can cancel renewals before the next billing cycle.
- No refunds will be provided for partially used subscription periods unless required by law.
Payment Disputes and Chargebacks
If you believe a transaction was unauthorized:
- Contact our customer support team immediately.
- Provide order details and transaction information.
- Allow sufficient time for investigation.
Initiating a chargeback without first contacting us may delay resolution.
Limitation of Liability
We are not responsible for:
- Banking system failures
- Payment gateway outages
- Delays caused by financial institutions
- Unauthorized access resulting from customer negligence
- Technical issues beyond our reasonable control
Our liability is limited to the value of the transaction in question.
Policy Updates
We reserve the right to modify this Payment Policy at any time without prior notice.
Changes become effective immediately upon publication on this website. Customers are encouraged to review this policy periodically.
Contact Information
For payment-related questions or concerns:
Email: support@yourstore.com
Phone: +91-XXXXXXXXXX
Business Hours: Monday – Saturday, 10:00 AM – 6:00 PM
Last Updated: June 2026
By using our website and completing a purchase, you acknowledge that you have read, understood, and agreed to this Payment Policy.