Payment Policy

This is a first draft for layout and structure purposes only, not final legal copy. A lawyer should review this page before it goes live.

1. Accepted Payment Methods

Graam Factory accepts UPI, credit/debit cards, netbanking and Cash on Delivery, matching the options shown at checkout.

2. Payment Security

Online payments are processed via a PCI-DSS compliant payment gateway — [TODO: confirm gateway — Razorpay/PayU]. We do not store your full card details on our servers.

3. Order Confirmation & Invoicing

Once payment is successful, you'll receive an order confirmation with an invoice by email.

4. Refunds

Approved refunds are credited back to your original payment method within [TODO: confirm X business days].

5. Failed / Pending Transactions

If a payment fails or stays pending, any amount deducted is typically reversed by your bank within a few business days. Contact support if it doesn't resolve on its own.

6. Cash on Delivery Terms

Cash on Delivery orders are paid in cash at the time of delivery. Please have the exact amount ready where possible.

7. Seller Payouts

Sellers are paid out on a regular cycle after an order is marked complete — [TODO: confirm cycle — weekly/monthly].