Payment Policy

Introduction

At Raj Handicraft, we are committed to providing a secure, transparent, and convenient payment experience for our customers. This Payment Policy outlines the terms and conditions related to payments made through our website.

By placing an order on our website, you agree to the terms mentioned below.

Accepted Payment Methods

We accept payments through secure and trusted payment gateways using the following methods:

  • Credit Cards
  • Debit Cards
  • Net Banking
  • UPI (Unified Payments Interface)
  • Digital Wallets
  • EMI Options (where available)
  • Other payment methods displayed at checkout

All transactions are processed through secure payment service providers to ensure customer safety and data protection.

Payment Authorization

When you place an order, the payment amount will be charged immediately upon successful transaction authorization.

Orders will only be processed after payment confirmation has been received.

In cases where payment authorization fails or is declined, the order will not be processed.

Pricing and Currency

All prices displayed on our website are listed in Indian Rupees (INR).

Prices may include applicable taxes where required by law. Additional shipping charges, if applicable, will be displayed during checkout before final payment confirmation.

Raj Handicraft reserves the right to update product prices at any time without prior notice.

Secure Transactions

We use secure payment gateways and industry-standard encryption technologies to protect payment information.

Raj Handicraft does not store, process, or have direct access to your complete credit card, debit card, banking, or UPI credentials.

All payment information is handled by authorized payment processors.

Failed Transactions

A transaction may fail due to various reasons, including:

  • Insufficient funds
  • Incorrect payment details
  • Network interruptions
  • Bank authorization issues
  • Payment gateway errors

If your payment fails but the amount is debited from your account, please contact your bank first. In most cases, the amount is automatically reversed by the banking system within the applicable processing period.

Order Confirmation

Once payment is successfully completed, you will receive an order confirmation via email, SMS, or WhatsApp (where applicable).

Customers are advised to keep the order confirmation details for future reference.

Payment Verification

For security purposes, Raj Handicraft reserves the right to perform additional verification checks before processing an order.

In certain cases, customers may be contacted to verify payment information or order details.

Failure to provide requested verification may result in order cancellation.

Cancellation Before Shipment

Orders may be canceled before dispatch by contacting our customer support team.

If payment has already been received, eligible refunds will be processed according to our Refund Policy.

Customized or made-to-order products may not be eligible for cancellation once production has begun.

Fraud Prevention

To maintain a secure shopping environment, we reserve the right to refuse, cancel, or hold orders suspected of:

  • Fraudulent activity
  • Unauthorized transactions
  • False information
  • Payment disputes
  • Misuse of promotional offers

Appropriate action may be taken to protect customers and business interests.

Taxes

Applicable GST and other taxes, if required under Indian law, will be charged and displayed during checkout.

Customers are responsible for providing accurate billing information for tax purposes.

Refund Processing

Approved refunds will be processed using the original payment method whenever possible.

Refund processing times may vary depending on:

  • Payment method used
  • Banking institution
  • Payment gateway provider

Please refer to our Refund Policy for detailed information regarding refunds and returns.

Limitation of Liability

Raj Handicraft shall not be held responsible for payment delays, transaction failures, or service interruptions caused by:

  • Banking institutions
  • Payment gateway providers
  • Internet connectivity issues
  • Technical errors beyond our control