Payment Policy

1. Payment Requirement

All orders require 100% payment in advance.

An order will be confirmed only after full payment has been successfully received or verified by Values N Worth Marketing LLP.

We do not offer Cash on Delivery (COD).

2. Accepted Payment Methods

Customers may make payments using available payment methods including:

• UPI
• Credit Cards
• Debit Cards
• Net Banking
• EMI, where available
• Razorpay-supported payment methods
• Direct Bank Transfer

Availability of individual payment methods may depend on the payment provider, issuing bank or financial institution.

3. Prices and Taxes

Prices displayed on the website are exclusive of applicable GST, unless specifically stated otherwise.

Applicable GST and any additional charges communicated at the time of purchase will be payable in addition to the displayed product price.

The final payable amount will be shown or communicated to the customer before the order is completed.

4. EMI Payments

EMI facilities, where available, are provided through participating banks, card issuers or third-party payment providers.

Any interest, processing fee, eligibility requirement, foreclosure charge or other EMI-related condition is determined by the relevant bank or financial institution and is not controlled by Values N Worth Marketing LLP.

5. Payment Gateway

Online payments may be processed through Razorpay or other authorised payment service providers.

Payments processed by third-party payment providers may also be subject to the respective provider's terms, processing timelines and security procedures.

6. Failed or Pending Payments

A payment may occasionally be marked as failed or pending due to a bank, UPI, card network, payment gateway or technical issue.

An order will not be considered confirmed until the payment has been successfully received and verified by us.

If money has been debited from your account but the transaction is shown as unsuccessful, please contact us with the relevant transaction details.

7. Duplicate or Excess Payments

If a customer is charged more than once for the same order, or an amount has been received in excess, the additional amount will be refunded after verification and approval.

Once approved, the refund will be initiated within 7–10 business days.

Actual time for the amount to appear in the customer's account may depend on the bank, card issuer or payment provider.

8. Refund Method

For transactions made through Razorpay, credit/debit cards, UPI, Net Banking, EMI or another payment gateway, approved refunds will normally be returned to the original payment method.

For payments made directly through bank transfer, approved refunds may be made by bank transfer to the customer's verified bank account.

We may request additional information where necessary to verify and complete a refund.

9. Order Cancellation

Orders may be cancelled for a full refund only before the order has been dispatched.

Once an order has been dispatched, it cannot be cancelled.

Exceptions relating to defective, damaged or incorrectly supplied products are covered under our Refund, Cancellation & Replacement Policy.

10. Grievance Redressal

For complaints or grievances relating to payments, orders or refunds, customers may contact:

Please provide your name, order number and relevant payment or transaction details when raising a grievance.

11. General Contact

For payment-related queries: