Payment Policy

Prices displayed on the website are inclusive of applicable GST unless expressly stated otherwise. The tax invoice will show taxable value, applicable GST breakup and HSN details where available.

Available payment methods may include UPI, cards, net banking, wallets, other methods offered through an authorised payment gateway, bank transfer / manual UPI, and COD where eligible. The exact methods will be displayed at checkout.

Bank transfer / manual UPI

When this option is offered at checkout, create the order first and pay the exact displayed amount using the bank details or UPI QR shown against that order. Submit the UTR / transaction reference; you may also share a screenshot with the order number on WhatsApp. Your order remains pending until the credit is verified. Do not pay again while verification is pending. Contact support for partial, excess or unmatched payments.

Secure processing

Online payments are processed by authorised third-party payment service providers such as PhonePe when enabled. Vatsa Enterprises does not ask customers to share a UPI PIN, card PIN, CVV or OTP with its staff and does not intend to store complete card, UPI or banking credentials on its servers.

Successful, pending or failed payments

• An order is treated as prepaid only after a successful gateway confirmation or after Vatsa Enterprises verifies the bank / UPI credit and records it against the order. A submitted UTR or screenshot alone is not payment confirmation.
• If money is debited but the order shows failed or pending, do not pay repeatedly. Contact us with the transaction reference and allow the bank/payment provider’s reconciliation process to complete.
• A failed or timed-out transaction may be reversed automatically by the customer’s bank or payment provider. Reversal timing is controlled by those institutions.
• If a duplicate payment is confirmed as received by Vatsa Enterprises, the excess amount will be refunded to the original source after verification.

Refunds, disputes and chargebacks

Approved refunds are initiated by Vatsa Enterprises in accordance with the Return and Refund Policy. Posting time after initiation depends on the payment provider and customer’s bank. Customers should first contact us for purchase or fulfilment disputes. Nothing in this policy restricts lawful rights to approach the bank, payment provider, consumer forum or another competent authority.

Currency for domestic website transactions is Indian Rupees (INR). Customers are responsible for providing correct billing and contact information.