Payment Terms – Shringarvatika

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.

📅 Effective Date
July 19, 2025
🔐

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.

10+
Payment Methods
100%
Secure Transactions
No
COD Available
0%
Hidden Charges

1. Accepted Payment Methods

❌ No Cash on Delivery (COD)
We do not offer Cash on Delivery service. All orders require advance online payment through our secure payment gateways for faster processing and delivery.

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
🏆 Why These Partners?
Both Razorpay and Cashfree are RBI-licensed, PCI DSS compliant, and trusted by thousands of businesses. They provide bank-level security, multiple payment options, and excellent customer support to ensure your payment experience is smooth and secure.

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

🔐 Zero Payment Data Storage
We never store your credit card numbers, CVV, PIN, or banking passwords on our servers. All sensitive payment information is handled directly by our payment gateway partners and never passes through our systems.

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

📧 Instant Confirmation
You’ll receive an immediate payment confirmation email and SMS once your payment is successfully processed. Your order will be confirmed and processing will begin within 2-4 hours.

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

💳 Advance Payment Mandatory
All orders must be paid in full before processing begins. We do not offer partial payments, pay-later options, or cash on delivery services.

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

⏰ Payment Time Limits
Once you initiate checkout, you have 30 minutes to complete payment. After this time, your cart may be released and items may go out of stock.

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

  1. Select EMI Option: Choose EMI during payment method selection
  2. Choose Tenure: Select preferred EMI duration
  3. Bank Authorization: Your bank will verify EMI eligibility
  4. EMI Approval: Instant approval or rejection from bank
  5. First EMI: First installment charged immediately
  6. Subsequent EMIs: Monthly charges as per schedule
📝 EMI Terms & Conditions
EMI options are provided by your bank/card issuer, not by Shringarvatika. Interest rates, charges, and terms are as per your bank’s EMI policy. For EMI-related queries, contact your bank directly.

7. Payment Issues & Troubleshooting

Common Payment Problems

If you encounter payment issues, here are common problems and their solutions:

🔧 Quick Troubleshooting Guide

Payment Declined
Check card limit, expiry date, and ensure international transactions are enabled. Try a different payment method.
OTP Not Received
Check network signal, verify registered mobile number, and request OTP resend after 30 seconds.
Page Loading Issues
Clear browser cache, disable pop-up blockers, try incognito mode, or use a different browser.
Amount Deducted But Order Not Confirmed
Don’t retry payment. Contact our support immediately with transaction details for quick resolution.
UPI Payment Failed
Check UPI app, verify VPA, ensure sufficient balance, and try payment during non-peak hours.
Net Banking Issues
Verify login credentials, check daily transaction limits, ensure net banking is activated for online transactions.

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
⚠️ Important: Don’t Retry Multiple Times
If payment fails, don’t attempt multiple retries immediately as it may lead to temporary card blocking. Wait for 15-30 minutes between attempts or try a different payment 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 Conditions
Refunds are processed only for eligible returns as per our Return & Exchange Policy. All refunds are at the sole discretion of our team and follow strict verification procedures.

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

  1. Return Approval: Return request approved by our team
  2. Product Verification: Returned product inspected and verified
  3. Refund Authorization: Refund approved at management discretion
  4. Processing Initiation: Refund processing initiated to original payment method
  5. Gateway Processing: Payment gateway processes the refund
  6. Bank Processing: Bank/financial institution processes the reversal
  7. Refund Completion: Amount credited to customer’s account
🔄 Refund to Original Method Only
All refunds are processed to the original payment method used for the purchase. We cannot process refunds to different cards, accounts, or payment methods for security reasons.

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
🚨 Refund Delays
If you don’t receive your refund within the stated timeline, contact your bank first to check processing status. If the issue persists, contact our customer support with your refund reference number.

📞 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.

shringarvatika.in
Logo
Compare items
  • Total (0)
Compare
0
Ninja Silhouette 9 hours ago

Joe Doe in London, England purchased a

Joe Doe in London?

Joe Doe in London, England purchased a

Joe Doe in London?

Joe Doe in London, England purchased a

Joe Doe in London?

Joe Doe in London, England purchased a

Shopping cart