Payment Policy

Payment Methods

We offer multiple secure payment options to ensure a convenient shopping experience. All payments are processed securely through our trusted payment gateway partner.

💳

Credit & Debit Cards

Visa, MasterCard, American Express, RuPay

Secure SSL encryption
Instant payment processing
Widely accepted

📱

Digital Wallets

UPI, Paytm, PhonePe, Google Pay, Amazon Pay

Quick and convenient
No additional charges
Instant transfers

🏦

Net Banking

All major Indian banks supported

Direct bank transfer
Secure authentication
Real-time processing

💰

Cash on Delivery

Pay when you receive your order

Available for orders up to ₹10,000
No online payment required
Pay in cash to delivery person

Payment Gateway

Secure Payment Processing

We use Razorpay as our payment gateway aggregator to ensure the highest level of security for all your transactions. Razorpay is a trusted and PCI DSS compliant payment processor that provides:

�� SSL Encryption

All payment data is encrypted using industry-standard SSL technology

🛡️ PCI DSS Compliance

Full compliance with Payment Card Industry Data Security Standards

🔐 Secure Authentication

Multi-factor authentication for enhanced security

�� Fraud Protection

Advanced fraud detection and prevention systems

EMI Options

We offer flexible EMI (Equated Monthly Installment) options to make your purchases more affordable:

No Cost EMI

Available on select products and payment methods. No additional interest charges on your EMI payments.

Zero processing fees
Available on credit cards
Minimum order value: ₹3,000

Regular EMI

Standard EMI options with competitive interest rates through various banks and financial institutions.

Flexible tenure: 3, 6, 9, or 12 months
Competitive interest rates
Easy application process

Pay Later

Buy now and pay later options through our partner financial institutions.

Quick approval process
Flexible repayment options
No upfront payment required

Billing Information

Invoice Generation

An invoice will be generated automatically upon successful payment and sent to your email address. The invoice includes:

Product details and quantities
Pricing breakdown
Tax information (GST)
Shipping charges
Payment method used
Order number and date

Tax Information

All prices displayed on our website are inclusive of applicable taxes. The invoice will clearly show:

Base price of products
Applicable GST rates
Total tax amount
Final amount payable

Payment Confirmation

You will receive payment confirmation via:

Email confirmation
SMS notification
Order status update
Invoice download link

Refund Policy

Payment Refunds

In case of order cancellation, returns, or refunds, the amount will be credited back to your original payment method:

Credit/Debit Cards

Refunds are processed within 5-7 business days and will appear on your next billing statement.

Digital Wallets

Refunds are credited back to your wallet within 24-48 hours.

Net Banking

Refunds are transferred to your bank account within 3-5 business days.

Cash on Delivery

For COD orders, refunds are processed through bank transfer or digital wallet.

Important: Processing times may vary depending on your bank or payment provider. Contact your bank if you don't see the refund within the specified time frame.

Security Measures

�� Data Protection

We never store your complete payment information on our servers. All sensitive data is handled securely by our payment gateway partner.

🛡️ Fraud Prevention

Advanced fraud detection systems monitor all transactions to prevent unauthorized payments and protect your account.

🔒 Secure Connection

All payment pages use HTTPS encryption to ensure your data is transmitted securely.

�� OTP Verification

Additional verification through OTP (One-Time Password) for enhanced security on card transactions.

Payment Issues

Common Payment Issues and Solutions

Payment Declined

Possible Causes: Insufficient funds, incorrect card details, bank restrictions

Solution: Verify card details, check account balance, contact your bank

Transaction Failed

Possible Causes: Network issues, server timeout, payment gateway error

Solution: Try again after a few minutes, use alternative payment method

Amount Charged but Order Not Confirmed

Possible Causes: Payment processed but order confirmation failed

Solution: Contact our support team immediately with transaction details

EMI Application Rejected

Possible Causes: Credit score, bank policies, eligibility criteria

Solution: Try different EMI options or contact your bank

Contact Support

If you experience any payment-related issues or have questions about our payment policy, please contact our support team:

📞 Phone Support

+91-6396092854
Monday - Saturday, 9:00 AM - 6:00 PM IST

📧 Email Support

payments@megamobile.in

Response within 24 hours

�� Support Tickets

Create Payment Issue Ticket

Track your payment inquiry

💬 Live Chat

Available during business hours

Quick payment assistance

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