Payment Policy

Effective Date: 03/04/2025

At Bharathaat, we strive to offer a secure, convenient, and hassle-free payment experience for all our customers. This Payment Policy outlines the accepted payment methods, security measures, refund processing, and other key payment-related terms.

1. Accepted Payment Methods

We offer multiple secure payment options to make your shopping experience smooth:

✅ Credit & Debit Cards – Visa, MasterCard, RuPay, American Express
✅ Net Banking – Supported by major banks
✅ UPI Payments – Google Pay, PhonePe, Paytm, BHIM UPI
✅ Mobile Wallets – Paytm, Amazon Pay, MobiKwik, FreeCharge
✅ Cash on Delivery (COD) – Available for eligible locations/orders
✅ EMI Options – Available on select products and payment providers

⚡ Note: EMI and certain payment methods may have additional processing fees, which will be displayed at checkout.

2. Payment Processing & Security

🔒 Secure Transactions: All online payments are encrypted using SSL (Secure Socket Layer) technology to protect your data.
🔒 PCI-DSS Compliance: Our payment gateway partners comply with industry security standards to ensure your transactions are safe.
🔒 Fraud Prevention: We monitor transactions for suspicious activity and may request additional verification if needed.

3. Cash on Delivery (COD) Policy

💰 COD is available for select locations and orders up to ₹[X] as per Bharathaat’s shipping policies.
💰 Customers must pay the exact amount at the time of delivery. Partial payments or digital payments at the doorstep may not be accepted.
💰 Orders with COD may require phone verification before processing.

⚡ Note: Repeated COD order cancellations may result in restrictions on future COD purchases.

4. Payment Failures & Refunds

4.1 Payment Failures

If your payment fails, please check:
✔ Your card/bank details and ensure sufficient balance.
✔ Whether your card/bank supports online transactions.
✔ If there are technical issues with the payment gateway.

If money is deducted but the order isn’t confirmed, the amount will be automatically refunded within [X] business days.

4.2 Refund Policy

Refunds for canceled or returned orders will be processed to the original payment method within 5-7 business days.
If paid via COD, refunds will be processed via bank transfer or wallet credit after return verification.
Processing time may vary depending on the bank or payment provider.

⚡ Note: Shipping charges (if applicable) are non-refundable unless the return is due to an error on our part.

5. EMI & Buy Now, Pay Later (BNPL) Options

EMI is available on select products and banks.
Interest rates and tenure depend on the bank/card issuer.
Buy Now, Pay Later (BNPL) services are available through our financial partners (T&Cs apply).

6. Taxes & Billing

All product prices are inclusive/exclusive of applicable GST and other taxes as per Indian law.
Customers will receive an e-invoice via email upon successful payment.

7. Disputes & Chargebacks

If you notice an unauthorized charge, contact your bank and Bharathaat customer support immediately.
We will work with the payment provider to resolve disputes, but the final decision lies with the issuing bank.

8. Contact Us

For payment-related queries, reach out to us:

📧 Email:
📞 Customer Support: 7011511910
📍 Address:

💳 Secure, Easy & Reliable Payments – Only at Bharathaat! 🚀