Payment Terms
Secure, Convenient, Multiple Payment Options
Experience safe and convenient online payments with our trusted payment gateways. We offer multiple payment methods to make your jewelry shopping experience smooth and secure.
100% Secure Payments Guaranteed
Your payment information is protected with bank-level security through our RBI-approved payment partners Razorpay and Cashfree. SSL encryption ensures all transactions are completely secure.
📋 Quick Navigation
1. Accepted Payment Methods
Available Payment Options
We accept all major payment methods through our trusted payment gateway partners to provide you with maximum convenience and security.
Credit Cards
All major credit cards accepted with instant processing and secure transactions.
- ✓ Visa, Mastercard, American Express
- ✓ Rupay credit cards
- ✓ Instant payment confirmation
- ✓ EMI options available
- ✓ Zero extra charges
Debit Cards
Secure debit card payments from all major banks with real-time transaction processing.
- ✓ All major bank debit cards
- ✓ Visa, Mastercard, Rupay
- ✓ Instant bank account deduction
- ✓ EMI on select cards
- ✓ Secure PIN-based authentication
UPI Payments
Quick and convenient UPI payments through all popular UPI apps with instant confirmation.
- ✓ PhonePe, Google Pay, Paytm
- ✓ BHIM, Amazon Pay UPI
- ✓ Any bank UPI app
- ✓ Instant payment confirmation
- ✓ No additional charges
Net Banking
Direct bank transfers through net banking from all major Indian banks.
- ✓ 50+ banks supported
- ✓ SBI, HDFC, ICICI, Axis
- ✓ Direct bank account debit
- ✓ Secure bank authentication
- ✓ Instant transaction status
Digital Wallets
Popular digital wallet payments for quick and hassle-free transactions.
- ✓ Paytm Wallet
- ✓ Amazon Pay
- ✓ PhonePe Wallet
- ✓ One-click payments
- ✓ Instant order confirmation
EMI Options
Flexible EMI options on credit cards and select debit cards for higher-value purchases.
- ✓ 3, 6, 9, 12 month EMI
- ✓ Credit card EMI
- ✓ Select debit card EMI
- ✓ No-cost EMI options
- ✓ Easy approval process
2. Our Trusted Payment Gateway Partners
We partner with India’s most trusted and RBI-approved payment gateways to ensure your transactions are processed securely and efficiently.
Razorpay
Leading payment gateway trusted by millions of customers and businesses across India.
- ✓ RBI Licensed Payment Aggregator
- ✓ PCI DSS Level 1 Compliant
- ✓ 100+ Payment Methods
- ✓ 99.9% Uptime Guarantee
- ✓ Instant Payment Confirmation
- ✓ Advanced Fraud Detection
- ✓ 24/7 Customer Support
Cashfree
Reliable payment solutions provider with comprehensive security and seamless user experience.
- ✓ RBI Authorized Payment Aggregator
- ✓ Bank-Level Security Standards
- ✓ Multiple Payment Options
- ✓ Real-time Transaction Processing
- ✓ Automated Reconciliation
- ✓ Smart Routing Technology
- ✓ Comprehensive Dashboard
3. Payment Security & Protection
Security Features
Your payment security is our top priority. We implement multiple layers of security to protect your financial information and ensure safe transactions.
SSL Encryption
256-bit SSL encryption protects all data transmission
PCI DSS Compliant
Highest level of payment card industry security standards
Fraud Detection
Advanced AI-powered fraud detection and prevention
Bank-Level Security
Same security standards used by major banks
No Data Storage
We never store your card or banking information
Two-Factor Authentication
Additional OTP verification for enhanced security
What We Don’t Store
RBI Compliance
- Licensed Partners: Both payment gateways are RBI-licensed payment aggregators
- Regulatory Compliance: Full compliance with RBI payment guidelines
- Data Localization: All payment data stored within India as per RBI norms
- Regular Audits: Periodic security audits and compliance checks
- Dispute Resolution: Structured dispute resolution as per RBI guidelines
Customer Protection
- Chargeback Protection: Protection against unauthorized transactions
- Transaction Monitoring: Real-time monitoring for suspicious activities
- Secure Refunds: Refunds processed through same secure channels
- Customer Support: Dedicated support for payment-related issues
4. Payment Process & Flow
Step-by-Step Payment Process
Our streamlined payment process is designed to be quick, secure, and user-friendly. Here’s how it works:
| Step | Action | Time Required | Security Check |
|---|---|---|---|
| 1. Cart Review | Review selected items and quantities | 1-2 minutes | Session verification |
| 2. Checkout | Enter shipping address and contact details | 2-3 minutes | Data validation |
| 3. Payment Method | Select preferred payment method | 30 seconds | Method verification |
| 4. Payment Gateway | Redirect to secure payment page | 5-10 seconds | SSL encryption |
| 5. Authentication | Enter payment details and OTP | 1-2 minutes | Bank/card verification |
| 6. Confirmation | Payment processed and order confirmed | 10-30 seconds | Transaction validation |
Payment Confirmation
Payment Status Types
- Success: Payment completed successfully, order confirmed
- Pending: Payment being processed by bank (usually resolves within 30 minutes)
- Failed: Payment unsuccessful, no amount deducted
- Refund Initiated: Payment reversal in progress
- Disputed: Payment under investigation (rare cases)
5. Payment Policies & Terms
Payment Requirements
Pricing & Charges
| Charge Type | Amount | When Applied | Details |
|---|---|---|---|
| Product Price | As listed | Always | Includes all taxes |
| Shipping Charges | ₹50-₹200 | Orders below ₹2,999 | Based on location and weight |
| Payment Gateway Fees | ₹0 | Never | Absorbed by us |
| Processing Fees | ₹0 | Never | No hidden charges |
| GST | Included | Always | 18% GST included in price |
Currency & Pricing
- Currency: All prices displayed in Indian Rupees (INR) only
- Tax Inclusive: All prices include applicable GST (18%)
- No Hidden Charges: Final price at checkout is the total amount
- Price Changes: Prices may change without notice, but confirmed orders honor original price
- Promotions: Discount codes and offers applied at checkout
Payment Deadlines
Order Modifications After Payment
- Within 2 Hours: Limited modifications possible via customer service
- After 2 Hours: Modifications may not be possible if processing started
- Order Cancellation: Contact immediately for cancellation requests
- Refund Policy: Refer to our detailed refund policy for terms
6. EMI Options & Terms
EMI Availability
Make your jewelry purchases more affordable with our flexible EMI options available on credit cards and select debit cards.
| EMI Type | Minimum Amount | Tenure Options | Interest Rate | Availability |
|---|---|---|---|---|
| Credit Card EMI | ₹1,000 | 3, 6, 9, 12 months | As per bank rates | Most credit cards |
| No-Cost EMI | ₹2,000 | 3, 6 months | 0% (on select cards) | Limited offers |
| Debit Card EMI | ₹1,500 | 6, 9, 12 months | As per bank rates | Select banks only |
| Cardless EMI | ₹3,000 | 3, 6, 9, 12 months | 12-24% per annum | Based on eligibility |
EMI Eligibility
- Credit Card EMI: Available on most Visa, Mastercard, American Express cards
- Bank Approval: EMI approval depends on your bank and card limit
- Credit Limit: EMI amount should be within your available credit limit
- KYC Compliance: Your card must be KYC compliant for EMI processing
- Previous EMI: No restrictions on existing EMIs from other merchants
EMI Process
- Select EMI Option: Choose EMI during payment method selection
- Choose Tenure: Select preferred EMI duration
- Bank Authorization: Your bank will verify EMI eligibility
- EMI Approval: Instant approval or rejection from bank
- First EMI: First installment charged immediately
- Subsequent EMIs: Monthly charges as per schedule
7. Payment Issues & Troubleshooting
Common Payment Problems
If you encounter payment issues, here are common problems and their solutions:
🔧 Quick Troubleshooting Guide
Payment Failure Reasons
| Error Type | Possible Cause | Solution |
|---|---|---|
| Insufficient Funds | Not enough balance in account/card | Add funds or use different payment method |
| Card Expired | Credit/debit card has expired | Use updated card or request card renewal |
| Transaction Limit Exceeded | Daily/monthly limit reached | Contact bank to increase limits or try next day |
| International Transaction Blocked | Card not enabled for online/international use | Contact bank to enable online transactions |
| Incorrect Details | Wrong card number, CVV, or OTP | Verify and re-enter correct information |
| Bank Server Down | Temporary bank system unavailability | Try again after some time or use different method |
When to Contact Support
- Money Deducted: If amount is deducted but order not confirmed
- Multiple Deductions: If multiple charges appear for single order
- Payment Stuck: If payment is pending for more than 30 minutes
- Refund Delay: If refund is not received within stated timeline
- Technical Issues: Persistent payment page loading problems
8. Refund Terms & Process
Refund Eligibility
Refund Timeline
| Payment Method | Refund Processing Time | Bank Processing Time | Total Timeline |
|---|---|---|---|
| Credit Cards | 5-7 working days | 2-5 working days | 7-12 working days |
| Debit Cards | 5-7 working days | 3-7 working days | 8-14 working days |
| UPI Payments | 3-5 working days | 1-3 working days | 4-8 working days |
| Net Banking | 5-7 working days | 2-5 working days | 7-12 working days |
| Digital Wallets | 3-5 working days | 1-2 working days | 4-7 working days |
Refund Process
- Return Approval: Return request approved by our team
- Product Verification: Returned product inspected and verified
- Refund Authorization: Refund approved at management discretion
- Processing Initiation: Refund processing initiated to original payment method
- Gateway Processing: Payment gateway processes the refund
- Bank Processing: Bank/financial institution processes the reversal
- Refund Completion: Amount credited to customer’s account
Refund Amount
- Product Amount: Full product price refunded if approved
- Shipping Charges: Original shipping charges are non-refundable
- Return Shipping: Customer bears return shipping costs initially
- Processing Fees: No processing fees deducted
- GST: Applicable GST refunded along with product amount
Refund Tracking
- Email Notification: Refund initiation confirmation sent via email
- Reference Number: Unique refund reference number provided
- Status Updates: Regular updates on refund processing status
- Customer Support: Dedicated support for refund-related queries
- Bank Statement: Refund appears with merchant name on statement
📞 Payment Support & Assistance
Having trouble with payments or need clarification about our payment terms? Our payment support team is here to help you complete your purchase smoothly and resolve any payment-related concerns quickly.
