1. Introduction
This Payment Policy (“Policy”) sets out the terms governing payments made for products purchased from Panjabipassions (“we”, “us”, “our”, “the Company”) through our website, mobile application, or any other authorised sales channel (collectively, the “Platform”).
This Policy is published in accordance with, and forms part of the Platform’s Terms of Use under:
- The Consumer Protection Act, 2019 and the Consumer Protection (E-Commerce) Rules, 2020;
- The Information Technology Act, 2000 and rules made thereunder, including the Information Technology
(Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011;
- The Payment and Settlement Systems Act, 2007, and applicable directions/guidelines issued by the Reserve
Bank of India (RBI), including those relating to Payment Aggregators and Payment Gateways;
- The Central Goods and Services Tax Act, 2017, the West Bengal Goods and Services Tax Act, 2017, and
the Integrated Goods and Services Tax Act, 2017, as applicable;
- The Legal Metrology Act, 2009 and Consumer Goods (Declaration) Rules, insofar as pricing display is
concerned.
By placing an order on the Platform, the customer (“you”, “your”, “User”) agrees to be bound by this Policy.
2. Accepted Payment Methods
Panjabipassions may accept one or more of the following payment methods, as made available on the Platform at the time of checkout:
- UPI
- Credit Cards
- Debit Cards
- Net Banking
- Digital Wallets
- Cash on Delivery (“COD”), where available
- Other payment methods displayed during checkout
All online payment methods are processed through RBI-authorised Payment Aggregators/Payment Gateways.
Available payment options may be added, withdrawn, or modified at any time without prior notice, at the sole discretion of Panjabipassions or its payment partners.
3. Secure Payments and Data Protection
3.1 All online payments are processed through third-party payment gateways/aggregators authorised by the RBI, which employ industry-standard encryption (including PCI-DSS compliant infrastructure) and security protocols.
3.2 In compliance with RBI’s Payment Aggregator/Payment Gateway guidelines and the IT (Reasonable Security Practices) Rules, 2011, Panjabipassions does not collect or store:
- Card numbers
- CVV
- UPI PIN
- Net banking passwords or OTPs
- Any other sensitive payment credentials
3.3 Such information is collected and processed only by the RBI-regulated payment gateway/aggregator engaged for the transaction, in accordance with their own privacy and security policies.
3.4 Users are advised to independently verify the authenticity of the payment page before entering any payment details and to never share OTPs, PINs, or passwords with any person claiming to represent Panjabipassions, as we will never ask for these details.
4. Payment Confirmation
4.1 An order is deemed accepted only upon successful payment authorisation/verification (or, in the case of COD, upon successful order confirmation).
4.2 If a payment is declined, fails, or remains incomplete, the order will not be processed, and no contract of sale shall be deemed to arise between the parties in respect of that order.
4.3 A system-generated order confirmation (via email/SMS/on-platform notification) does not, by itself, guarantee product availability or final dispatch, which remains subject to our standard order-processing procedures.
5. Failed and Disputed Transactions
5.1 Where an amount is debited from a customer’s account/instrument but the order is not confirmed on the Platform:
- The customer should first check the transaction status with their bank, card issuer, or UPI/wallet provider.
- If the amount has been debited without order confirmation, the customer should notify Panjabipassions within 7
days of the transaction, along with the transaction reference number/UTR, for tracing and resolution.
5.2 Refunds arising from failed, duplicate, or erroneous transactions will be processed to the original payment method/source account, subject to the reconciliation timelines of the concerned payment gateway, card network, and issuing bank, which are typically 5–7 business days, but may extend up to the timelines prescribed by the RBI or the relevant intermediary.
5.3 Panjabipassions shall not be liable for delays in refund attributable solely to the customer’s bank, card network, or payment intermediary.
5.4 This clause operates without prejudice to the customer’s separate rights, if any, under the Return, Refund and Cancellation Policy of Panjabipassions.
6. Pricing and Taxes
6.1 All prices displayed on the Platform are in Indian Rupees (INR), inclusive of applicable Goods and Services Tax (GST — CGST, WBGST/SGST, or IGST, as applicable), unless expressly stated otherwise.
6.2 The final price payable, along with a break-up of applicable taxes and any shipping/handling charges, shall be displayed at checkout prior to payment, in accordance with the Consumer Protection (E-Commerce) Rules, 2020 and the Legal Metrology (Packaged Commodities) Rules, 2011.
6.3 Prices are subject to change without prior notice; however, the price applicable to a confirmed order shall be the price displayed and accepted by the customer at the time of order placement.
6.4 In the event of an obvious pricing or typographical error on the Platform, Panjabipassions reserves the right to cancel the affected order and refund any amount already paid, in accordance with applicable law.
7. Promotional Offers, Discounts and Coupons
Discounts, coupons, promotional codes, and other special offers on the Platform:
- Are subject to specific terms and conditions communicated at the time of the offer.
- May be subject to expiry dates, minimum order values, or category/product exclusions.
- May not be combined with other offers unless expressly permitted.
- Cannot ordinarily be redeemed, exchanged, or adjusted for cash.
Panjabipassions reserves the right to withdraw, modify, or discontinue any promotional offer at any time, without prior notice, subject to honouring commitments already made in respect of confirmed orders, in line with fair trade practice requirements under the Consumer Protection Act, 2019.
8. Fraud Prevention and Risk Management
To protect customers and the business against payment fraud, unauthorised transactions, and misuse, Panjabipassions may, in accordance with applicable RBI and IT Act guidelines:
- Verify payment and billing details prior to processing an order.
- Request additional identification or verification documents for high-value or suspicious orders.
- Cancel or hold transactions reasonably suspected to be fraudulent, unauthorised, or in breach of this Policy.
- Restrict, suspend, or refuse future orders from a User in cases of repeated payment misuse, chargebacks, or
fraudulent activity, after providing reasonable notice where practicable.
Any suspected fraudulent activity may also be reported to the appropriate law enforcement or regulatory authorities as required by law.
9. Invoices
9.1 A tax invoice, compliant with the CGST/WBGST/IGST Act and rules made thereunder, will be issued electronically for every eligible purchase, containing GSTIN (where applicable), HSN codes, and applicable tax break-up.
9.2 Customers are solely responsible for ensuring that billing information (including name, GSTIN, and address) provided at checkout is accurate, as invoices cannot ordinarily be amended after issuance except in accordance with GST law.
10. Grievance Redressal
In accordance with the Consumer Protection (E-Commerce) Rules, 2020, Panjabipassions has designated a Grievance Officer to address payment and transaction-related complaints.
Grievance Officer / Customer Care:
Panjabipassions Email: support@panjabipassions.com Phone: 9163097495 Business Hours: 8:00 AM – 8:00 PM (IST), all days We aim to acknowledge complaints within 48 hours and resolve them within one month from the date of receipt, as prescribed under the E-Commerce Rules, 2020.
11. Governing Law and Jurisdiction
11.1 This Policy shall be governed by and construed in accordance with the laws of India.
11.2 All disputes arising out of or in connection with this Policy shall be subject to the exclusive jurisdiction of the competent courts at Kolkata, West Bengal.
12. Amendments
Panjabipassions reserves the right to modify or update this Payment Policy at any time, with such changes taking effect upon being posted on the Platform. Customers are encouraged to review this Policy periodically.
13. Contact Us
For payment-related queries, please contact:
Panjabipassions Email: support@panjabipassions.com Customer Care: 9163097495 Business Hours: 8 AM – 8 PM Registered/Operating from: Kolkata, West Bengal, India