ACCEPTED PAYMENT METHODS - Credit and Debit Cards (Visa, Mastercard, RuPay, American Express) - UPI (Google Pay, PhonePe, Paytm, and all UPI apps) - Net Banking (all major Indian banks) - Digital Wallets supported by our payment partner - Cash on Delivery (COD), available on eligible orders up to ₹10,000 in most serviceable PIN codes - NILA Wallet credit, where available on your account - NILA Membership benefits, applied automatically at checkout where you hold an active plan PAYMENT SECURITY All online payments are processed through Razorpay, a PCI-DSS Level 1 certified payment gateway. NILA does not receive, see, or store your full card number, CVV, or banking credentials at any point - these are handled entirely within Razorpay's secure infrastructure. ORDER VERIFICATION We reserve the right to verify any order before processing, particularly for: - Cash on Delivery orders above a certain value - First-time customers - Orders that our fraud-screening flags as high-risk Verification may involve a confirmation call, SMS, or email. Orders that cannot be verified may be cancelled with a full refund where payment was already made. CASH ON DELIVERY TERMS - Available on orders up to ₹10,000, subject to PIN code serviceability - Please keep exact or close-to-exact change ready for the delivery agent - We reserve the right to restrict COD eligibility for specific customers or order values at our discretion FAILED OR PENDING PAYMENTS If a payment fails or shows as pending after checkout: - Check your bank/UPI app to confirm whether the amount was actually debited - If debited but your order doesn't show as confirmed, the amount is typically auto-reversed by your bank within 5-7 business days - If it isn't reversed within that window, email us with your transaction reference number and we'll help resolve it CURRENCY All transactions on NILA are processed in Indian Rupees (INR). We do not currently support international payment methods or currency conversion. REFUNDS TO ORIGINAL PAYMENT METHOD Refunds are credited to your original payment method except where our Return Policy specifies wallet credit instead (see Return Policy Section on discounted/bundled orders and warranty claims). Typical refund timelines by method: Credit/Debit Card 5-7 business days UPI 2-3 business days Net Banking 5-7 business days Wallet/Digital Pay 1-3 business days Cash on Delivery 5-7 business days (via bank transfer) QUESTIONS Email: support@nilajewellery.com ═══════════════════════════════════════════════════════════════ This Payment Policy works alongside our Terms and Conditions and Return Policy.