Shopinger – Payment Policy

Welcome to Shopinger, operated by Shopinger International Private Limited ("Shopinger", "Company", "we", "our", or "us").

This Payment Policy explains the payment methods accepted on the Shopinger Platform, how payments are processed, payment security practices, refund processing, and the responsibilities of customers while making purchases through the Shopinger website, mobile applications, Seller Platform, Business Partner Platform, Delivery Partner Platform, and related services (collectively, the "Platform").

Shopinger securely processes all online payments through Razorpay, one of India's trusted payment gateway providers.

Razorpay uses advanced encryption and industry-standard security measures to process digital payments securely.

For more information, please visit:

• Website: https://razorpay.com

Shopinger currently accepts payments through:

• UPI
• Credit Cards
• Debit Cards
• Net Banking
• Digital Wallets
• EMI (where available)
• Cash on Delivery (COD) (where available)

By completing a payment on Shopinger, you authorize Shopinger and its authorized payment partner, Razorpay, to process your payment for the order placed through the Platform.

All payments on Shopinger are processed in Indian Rupees (INR).

Applicable GST, delivery charges, convenience fees, platform fees, and other statutory charges, wherever applicable, will be displayed during checkout before payment confirmation.

Your payment security is our highest priority. All online payments are securely processed through Razorpay using encrypted and industry-standard security technologies.

Shopinger does NOT store your:

• Credit Card Number
• Debit Card Number
• CVV
• UPI PIN
• ATM PIN
• Internet Banking Username
• Internet Banking Password
• Bank Account Password
• Payment Authentication Credentials

Sensitive payment information is securely processed by Razorpay in accordance with applicable security standards.

We will never ask you to share:

• One-Time Password (OTP)
• UPI PIN
• Credit or Debit Card Number
• CVV
• ATM PIN
• Internet Banking Username or Password
• Bank Account Password
• Payment Authentication Codes
• Screen-sharing access through AnyDesk, TeamViewer, QuickSupport, or similar applications

We will also never ask you to transfer money to receive:

• Refunds
• Cashbacks
• Rewards
• Discounts
• Promotional Offers
• Lucky Draw Prizes
• Gift Vouchers

Once your payment is successfully completed, you will receive an order confirmation through the Shopinger Platform, email, SMS, or WhatsApp, wherever applicable.

Shopinger offers Cash on Delivery (COD) for eligible products and serviceable locations across selected cities.

Cash on Delivery is available for orders with a total order value of up to ₹25,000 (Indian Rupees Twenty-Five Thousand only).

Shopinger also reserves the right to enable, restrict, suspend, or withdraw the Cash on Delivery (COD) facility for any order, customer account, product, seller, or location at its sole discretion without prior notice.

Customers are requested to keep the exact payable amount ready at the time of delivery wherever possible.

To protect customers, sellers, and the integrity of the Platform, Shopinger continuously monitors payment transactions for suspicious or fraudulent activities.

Shopinger reserves the right to:

• Verify payment transactions before processing an order.
• Cancel suspicious or unauthorized transactions.
• Request additional verification or identity proof where necessary.
• Suspend or cancel orders associated with fraudulent activities.
• Report suspected fraudulent activities to the appropriate authorities where required by applicable law.

If your payment is successfully debited but your order is not confirmed, the payment may be automatically reversed by your bank or payment service provider.

Shopinger shall not be responsible for any payment failure, delay, or interruption caused by banks, payment gateways, UPI service providers, card networks, internet service providers, or any third-party financial institutions beyond Shopinger's reasonable control.

Approved refunds will be initiated to the original payment method used during the purchase unless otherwise required by applicable law.

Refunds are generally initiated within 3-7 business days after approval. However, the final credit timeline depends on your bank, card issuer, UPI provider, or payment service provider.

Customers are responsible for:

• Providing accurate payment information.
• Keeping their banking credentials confidential.
• Verifying payment details before confirming payment.
• Reporting any unauthorized transaction immediately.
• Ensuring sufficient balance or credit limit before completing a transaction.

If you believe you have been incorrectly charged or experience any payment-related issue, please contact Shopinger Customer Support before initiating a chargeback or dispute with your bank or payment service provider.

Customers must provide relevant information, including the Order ID, Transaction ID, payment receipt, or any other supporting documents requested by Shopinger to facilitate the investigation.

Shopinger will make reasonable efforts to investigate and resolve genuine payment-related concerns as quickly as possible.

Shopinger shall not be responsible for any payment failure, transaction delay, interruption, technical error, or unsuccessful payment caused by:

• Banks or financial institutions
• Razorpay or other authorized payment gateways
• UPI service providers
• Card networks
• Internet service providers
• Mobile network failures
• Customer device or software issues
• Any third-party system beyond Shopinger's reasonable control

Shopinger shall not be liable for any indirect, incidental, special, or consequential losses arising from such events, except where required by applicable law.

Shopinger reserves the right to suspend, reject, cancel, or refuse any payment transaction that appears suspicious, unauthorized, fraudulent, or in violation of:

• Applicable laws and regulations
• This Payment Policy
• Shopinger Terms & Conditions
• Any other policies published by Shopinger

Where required by law, Shopinger may cooperate with banks, payment gateways, financial institutions, and government authorities during investigations relating to fraudulent or unlawful transactions.

Shopinger reserves the right to amend, modify, or update this Payment Policy at any time without prior notice.

Any revised Payment Policy shall become effective immediately upon publication on the Shopinger Platform.