Payments Policy

1. Payment Methods

We accept online payments only, processed through Razorpay, an RBI-authorized payment aggregator. Accepted methods include:

• UPI (PhonePe, Google Pay, Paytm, BHIM, etc.)
• Credit and debit cards (Visa, Mastercard, RuPay)
• Net banking
• Wallets (Paytm, PhonePe, and others)

2. Currency and Pricing

All prices are in Indian Rupees (INR) and include applicable GST (18%). The amount charged is the final price shown at checkout (subtotal + GST + shipping, if any + payment gateway fee, if any).

Delivery is charged at cost: you pay the courier's actual charge for your delivery pincode and parcel weight, plus a fixed ₹10 packaging fee and a ₹6 platform fee. We do not mark up the courier charge. The full breakdown is shown at checkout before payment. Standard delivery is free on orders above ₹2,000. Express delivery, where a faster courier serves your pincode, is priced the same way.

3. Payment Gateway Fee

Processing an online payment costs us a fee charged by our payment provider. That fee is passed on to you as a separate “Payment gateway fee” line item, calculated on the payable amount (order subtotal after any discount, plus shipping). It is not a charge levied by TecnoMate for profit.

• UPI — no fee. UPI payments carry no gateway fee, in line with the RBI zero-MDR mandate.
• Cards, net banking and wallets — 2.36% of the payable amount (our provider's 2% transaction fee plus 18% GST on that fee).

You choose your payment method before paying, and the exact fee — or that there is none — is shown in the order summary before you confirm. Choosing UPI avoids the fee entirely. The fee is part of the order total and is refunded along with the order value if the order is cancelled or refunded in full. Current rates are always the ones displayed at checkout; they may change if our provider's pricing changes.

4. Order Processing

Orders are processed only after successful payment. We do not ship before payment confirmation. If payment fails or is cancelled, no order is created. You may retry payment or contact us if you face issues.

5. Security and Compliance

Razorpay is PCI DSS Level 1 compliant. Card and payment data are processed securely on Razorpay's servers. We do not store full card numbers, CVV, or sensitive payment details. Payment links and checkouts use encryption.

6. Refunds

Refunds are processed as per our Returns & Refunds Policy. Approved refunds are credited to the original payment method within 5–7 business days, in line with RBI guidelines.

7. Chargebacks and Disputes

If you have a billing dispute, please contact us at [email protected] before initiating a chargeback. We aim to resolve all issues promptly. Unauthorized chargebacks may result in account restriction.

8. Contact

For payment-related queries or support, email [email protected] or call +91 91303 50359.