💳 Payment Policy

Last Updated: 30-11-2025

Welcome to Gloowshinne! This Payment Policy outlines how payments are processed on our platform in India. By placing an order with us, you agree to the terms below.

1️⃣ Accepted Payment Methods (India)

We offer a variety of secure and convenient payment methods:

• 💳 Cards: Visa, MasterCard, American Express, RuPay
• 🏦 Net Banking: Supported by all major Indian banks
• 📱 UPI: Google Pay, PhonePe, Paytm UPI, BHIM & others
• 👛 Mobile Wallets: Paytm, PhonePe, Mobikwik (if enabled)
• 🛍️ EMI Options: Credit/Debit Card EMI & No-Cost EMI (where available)
• 📦 Cash on Delivery (COD): Available for selected pin codes

2️⃣ Currency

All prices are listed in Indian Rupees (INR) 🇮🇳 and include applicable taxes unless stated otherwise.

3️⃣ Payment Processing & Confirmation

• 🔐 Payments are processed through RBI-regulated, secure gateways.
• 📩 You’ll receive email/SMS confirmation after a successful payment.
• ⏳ Failed but charged transactions are usually refunded automatically within 3–7 business days.

4️⃣ Security & Fraud Prevention

• 🔒 SSL encryption & PCI-DSS compliant systems used for all transactions.
• 🔐 We never store full card details.
• ⚠️ Suspicious orders may require verification or be cancelled.
• 🚫 COD orders may be blocked for repeated refusals.

5️⃣ EMI & Pay-Later Options

Depending on availability, you may use:

• 💳 Credit/Debit Card EMI
• 🆓 No-Cost EMI (on selected products)
• 🧾 Pay-Later Services like Simpl, LazyPay, Paytm Postpaid

Provider-specific fees & terms apply.

6️⃣ Taxes & Additional Charges

• 💰 Prices include GST unless mentioned.
• 🚚 Shipping, COD, or convenience fees may apply.
• 🏛️ Government charges (if any) will be added as required.

7️⃣ Refunds & Payment Reversal

Refunds follow our Return & Refund Policy:

• 💸 Refunds are issued to the original payment method only.
• ⏱️ Processing time:
  • UPI: 2–5 days
  • Net Banking: 3–7 days
  • Cards: 5–10 days
  • Wallets: Instant–24 hours
  • COD: Via bank transfer/store credit

8️⃣ Pricing Errors & Disputes

• ⚡ We may cancel orders placed due to pricing errors.
• 🔄 Full refunds are issued for cancelled orders already paid.
• ❗ For unauthorized transactions, contact your bank immediately.

9️⃣ Contact Us

For payment-related assistance, reach us at: