Apna Bazar Payment Policy

Document Metadata

Purpose

This Payment Policy explains how payments are accepted, verified, handled, disputed, and refunded on Apna Bazar.

It covers Cash on Delivery, Razorpay online payments, payment failures, duplicate payments, payment security, pricing errors, taxes, and payment-related support.

Scope

This Policy applies to Orders placed through the Apna Bazar Buyer App, Cash on Delivery Orders, online payments processed through Razorpay, payment verification, failed payments, duplicate payments, payment disputes, and refunds connected to eligible Orders.

This Policy applies together with the Terms & Conditions, Privacy Policy, Refund, Return & Cancellation Policy, and Shipping & Delivery Policy.

Definitions

Apna Bazar, we, us, or our means Apna Bazar, operating from Patan, District Durg, Chhattisgarh, India.

Buyer means a person who places or receives an Order through the Platform.

Cash on Delivery or COD means a payment method where the Buyer pays at the time of delivery or handover.

Order means a request placed by a Buyer through the Platform to purchase one or more Products.

Payment Provider means a third-party payment service provider used by Apna Bazar, including Razorpay.

Platform means the Apna Bazar Website, Buyer App, Seller App, backend systems, support channels, and related services.

Product means goods listed, displayed, offered, or sold through the Platform.

Razorpay means the payment service provider used by Apna Bazar for online payments.

Seller means a shop, business, or person that lists, offers, or sells Products through the Platform.

1. Supported Payment Methods

Apna Bazar currently supports Cash on Delivery and online payments through Razorpay.

Razorpay may support payment methods such as UPI or other payment options made available through Razorpay Checkout.

Available payment methods may vary by Order, location, payment provider availability, device, technical status, fraud review, or operational rules.

Apna Bazar does not currently claim support for wallet, subscription, advertising, biometric, or other unsupported payment features.

2. Cash on Delivery

For COD Orders, the Buyer must pay the payable amount at the time of delivery or handover.

The Buyer should keep the payable amount ready and verify the Order details before payment where possible.

A COD Order may fail, be cancelled, or be restricted if the Buyer refuses to pay, the Buyer is unavailable, the Buyer cannot be contacted, the delivery address is incorrect, repeated COD misuse is detected, or fraud or abuse is suspected.

COD availability and COD limits are [Business Decision Required].

3. Razorpay Online Payments

Apna Bazar uses Razorpay for online payment processing.

When a Buyer chooses online payment, Razorpay Checkout may open to complete the payment.

Razorpay may process payment information according to its own applicable terms and policies.

Apna Bazar may receive or store payment-related references, including Razorpay order ID, Razorpay payment ID, Razorpay refund ID where applicable, payment amount, payment method status, payment verification status, Order reference, and payment failure or cancellation status.

Apna Bazar does not store full card numbers, UPI PINs, bank passwords, or payment instrument credentials.

4. Payment Verification

An online payment Order may be confirmed only after payment verification.

Apna Bazar may verify payment amount, Razorpay order ID, Razorpay payment ID, payment status, Order details, fraud or risk signals, and payment provider response.

If payment verification fails, the Order may not be created, may remain pending, may be cancelled, or may be reviewed by support.

5. Failed Payments

A payment may fail due to insufficient balance, incorrect payment details, UPI, bank, or card issue, Razorpay issue, network interruption, payment timeout, user cancellation, fraud or risk review, or technical error.

If payment fails, the Buyer may retry payment or choose another available payment method.

If money is deducted but the Order is not confirmed, Apna Bazar may verify the transaction with Razorpay and internal records.

Refund or reversal handling for failed payments will follow the Refund, Return & Cancellation Policy and payment provider processes.

6. Duplicate Payments

If a Buyer is charged more than once for the same Order, the Buyer should contact support with payment details.

Apna Bazar may verify Order number, Buyer mobile number, payment amount, Razorpay payment ID, payment time, bank or UPI reference where required, and internal Order records.

If a duplicate payment is confirmed, Apna Bazar may initiate refund of the duplicate amount according to the Refund, Return & Cancellation Policy and Razorpay or banking processes.

7. Payment Security

Apna Bazar uses reasonable technical and operational safeguards for payment handling.

Online payments are processed through Razorpay. Sensitive payment credentials such as full card number, UPI PIN, bank password, or payment instrument credentials are not stored by Apna Bazar.

Buyers must not share OTPs, UPI PINs, bank passwords, or payment credentials with anyone.

Apna Bazar will never ask for a Buyer's UPI PIN, bank password, or full card credentials through support.

8. Refund Relationship

Refund eligibility is governed by the Refund, Return & Cancellation Policy.

This Payment Policy explains payment handling only. It does not decide whether an Order is eligible for refund.

Refunds may depend on cancellation approval, return approval, failed payment verification, duplicate payment verification, Seller confirmation, Product inspection, Razorpay or banking process, fraud review, and applicable law.

Refund timelines are [Business Decision Required] and may also depend on Razorpay, banks, UPI systems, or other payment processing systems.

9. Payment Disputes

A Buyer may contact Apna Bazar support for payment issues.

Payment disputes may include payment deducted but Order not confirmed, duplicate payment, incorrect payment status, refund not received, COD collection issue, payment failure, or payment cancellation issue.

Apna Bazar may request evidence such as screenshots, transaction ID, Razorpay payment ID, bank or UPI reference, Order details, mobile number, and payment date.

Apna Bazar may coordinate with Razorpay, banks, Sellers, or internal teams where needed.

10. Taxes

Prices, taxes, charges, or fee components may be shown where applicable before Order confirmation.

Tax treatment may depend on Product type, Seller status, applicable law, and business configuration.

Tax display and invoice rules are [Business Decision Required].

Sellers are responsible for their own tax, registration, invoicing, and compliance obligations where applicable.

11. Pricing Errors

Apna Bazar may cancel, review, or correct an Order if there is a clear pricing error.

Pricing errors may include incorrect Product price, incorrect discount, incorrect tax, incorrect delivery charge, technical error, or Seller listing error.

If an Order is cancelled due to a verified pricing error and online payment was completed, refund handling will follow the Refund, Return & Cancellation Policy.

12. Buyer Responsibilities

Buyers must select an available payment method, provide accurate payment and Order information, complete payment only through approved Platform flows, not share sensitive payment credentials, not make false payment claims, report payment issues with accurate evidence, and cooperate with verification where required.

13. Seller Responsibilities

Sellers must keep Product prices accurate, avoid misleading discounts or pricing, cooperate with Order, refund, and payment reviews, provide information required for payment or settlement review where applicable, and comply with applicable tax and business obligations.

14. Support

For payment-related support, contact Apna Bazar.

Website: https://apnabazarmart.in
Email: hello@apnabazarmart.in
Phone: +91 8770997346

15. Related Documents

• Privacy Policy
• Terms & Conditions
• Refund, Return & Cancellation Policy
• Shipping & Delivery Policy

16. Revision History