Payment Policy
Last Updated: January 23, 2026
Table of Contents
1. Introduction
This Payment Policy explains how Kirihat processes payments, the payment methods we accept, security measures we implement, and how refunds are handled. We are committed to providing secure, convenient, and transparent payment experiences.
By making a purchase on Kirihat, you agree to the terms outlined in this policy.
2. Accepted Payment Methods
Kirihat currently accepts the following payment methods:
UPI (Unified Payments Interface)
Pay instantly using any UPI app
Supported UPI Apps:
Benefits:
- ✓ Instant payment confirmation
- ✓ Fast refunds (24-48 hours)
- ✓ Secure & encrypted
- ✓ No card details needed
- ✓ Direct bank transfer
Cash on Delivery (COD)
Pay with cash when you receive your order
Benefits:
- ✓ No online payment needed
- ✓ Pay after receiving product
- ✓ Inspect before paying
- ✓ No payment gateway fees
COD Requirements:
- Keep exact cash amount ready
- Be present at delivery address
- COD handling fee may apply
- COD may not be available for all products
2.1. Payment Method Availability
The availability of payment methods may vary based on:
- Product category and value
- Your order history and account standing
- Seller/Vendor preferences
- Location and delivery area
2.2. Future Payment Methods
We are working on adding more payment options including:
- Credit/Debit Cards
- Net Banking
- Digital Wallets
- Buy Now Pay Later (BNPL)
We'll notify you when these become available.
3. Payment Security
3.1. Security Measures
SSL Encryption
All payment data is encrypted using 256-bit SSL technology during transmission
Secure Gateways
We use PCI-DSS compliant payment gateways approved by RBI
No Storage
We never store your complete payment card details or UPI PIN
Two-Factor Auth
Additional verification through OTP for secure transactions
Fraud Detection
Real-time monitoring to detect and prevent fraudulent activities
Compliance
Full compliance with RBI guidelines and Indian payment regulations
3.2. What We Don't Store
⚠️ Your Financial Data is Safe
Kirihat NEVER stores:
- Complete card numbers (CVV/CVC)
- UPI PINs or MPINs
- Net banking passwords
- Complete bank account details
All sensitive payment information is handled directly by our certified payment gateway partners.
3.3. Safe Payment Tips
Do: Verify the order amount before payment
Do: Keep payment confirmations for records
Don't: Share OTP or PIN with anyone
Don't: Click on suspicious payment links
4. Pricing and Charges
4.1. What You Pay
Your total order amount may include the following charges:
Product Price
Base price of items as listed by sellers
Set by individual sellersDelivery Charges
Fee for delivering products to your location
Varies by distance, mode, and offersPlatform Fee
Service fee for using Kirihat platform
Small percentage or fixed amountPayment Gateway Fee
Processing fee charged by payment providers
Applicable for online payments onlyPackaging Fee
Cost of packaging materials
May vary by product typeCOD Handling Fee
Additional fee for cash on delivery orders
Only if you choose CODTaxes (GST)
Applicable goods and services tax
As per Indian tax lawsSmall Order Fee
Surcharge for orders below minimum value
If order value is too low4.2. Price Transparency
Complete Transparency: All charges are clearly displayed at checkout before you confirm your order. There are NO hidden fees.
You will see a complete breakdown of:
- Item total
- Delivery charges
- All applicable fees
- Taxes
- Discounts (if any)
- Final payable amount
4.3. Pricing Errors
While we strive for accuracy, pricing errors may occasionally occur. If we discover an error:
- We will contact you before processing the order
- You can choose to proceed at the correct price or cancel
- If already paid, you'll receive a full refund if you choose to cancel
5. Payment Process
5.1. UPI Payment Process
Select UPI
Choose UPI as payment method at checkout
Enter UPI ID
Enter your UPI ID or scan QR code
Verify Details
Check amount and order details
Authenticate
Enter UPI PIN in your payment app
Confirmation
Receive payment success notification
5.2. COD Payment Process
Select "Cash on Delivery" at checkout
Place your order (no payment now)
Keep exact cash amount ready
Pay the rider when you receive your order
Get payment receipt from the rider
5.3. Payment Confirmation
After successful payment, you will receive:
- Order confirmation SMS/email
- Push notification in the app
- Payment receipt (for UPI payments)
- Order ID for tracking
6. Failed Payments
6.1. Reasons for Payment Failure
Insufficient Balance
Not enough money in bank account or UPI wallet
Bank Decline
Transaction declined by your bank
Session Timeout
Payment not completed within time limit
Wrong Details
Incorrect UPI ID, PIN, or payment information
Network Issue
Poor internet connection during payment
Daily Limit Exceeded
UPI/bank transaction limit reached
6.2. What Happens When Payment Fails?
- Your order will be automatically cancelled
- You'll receive a notification about the failure
- No amount will be deducted from your account
- You can try placing the order again
6.3. If Amount is Deducted But Order Failed
⚠️ Don't Worry!
If money was deducted but order shows as failed:
- This is usually a temporary hold by your bank
- Amount will be auto-refunded within 5-7 business days
- Check your bank statement after 3-5 days
- If not refunded, contact us with transaction details
Contact: support@kirihat.com | +91 99576 93472
7. Refunds
7.1. When Are Refunds Issued?
Refunds are processed in the following situations:
- Order cancellation (before shipping)
- Product return (after quality check)
- Payment failure (auto-refund)
- Seller/Vendor cancels accepted order
- Product not delivered
- Defective/wrong product delivered
7.2. Refund Timeline
Order Cancellation
(Before shipping)
COD: N/A
Product Return
(After pickup & inspection)
COD: 5-7 business days
Payment Failure
(Auto-refund)
COD: N/A
7.3. Refund Method
UPI Payments
Refunded to the same UPI ID used for payment
⏱️ 24-48 hoursCOD Orders
Refunded to your UPI ID or bank account (you must provide details)
⏱️ 5-7 business daysFor COD Refunds: You'll need to add your UPI ID or bank account details in the app to receive the refund.
7.4. Checking Refund Status
To check your refund status:
- Go to "My Orders" in the app
- Select the cancelled/returned order
- View refund status and expected date
- Check your bank/UPI app after the expected date
Not Received Refund? If you haven't received your refund within the specified timeframe, contact our support team with your order ID and transaction details.
8. Partner Payments (Sellers, Vendors, Riders)
8.1. Payout Schedule
Payment schedules for our partners:
Sellers
Payout Frequency: Weekly
Timeline: Within 7 business days
Method: Direct bank transfer
Vendors
Payout Frequency: Weekly
Timeline: Within 7 business days
Method: Direct bank transfer
Riders
Payout Frequency: Weekly
Timeline: Within 7 business days
Method: Direct bank transfer
8.2. Payment Deductions
Partner payments may have the following deductions:
- Platform commission/fees
- Payment gateway charges
- Penalties (if applicable)
- Returns/refunds processing
- Applicable taxes (TDS, if applicable)
For detailed information on partner payment terms, please refer to:
9. Payment Disputes
9.1. Common Payment Issues
Double Charge
Amount debited twice for single order
Resolution: Auto-refund or contact support
Payment Deducted, Order Failed
Money gone but order not placed
Resolution: Auto-refund in 5-7 days
Refund Not Received
Refund initiated but not credited
Resolution: Wait 7 days, then contact support
Wrong Amount Charged
Charged more/less than order total
Resolution: Immediate investigation & correction
9.2. How to Raise a Dispute
Collect Details
Gather order ID, transaction ID, screenshots
Contact Support
Email or call our support team
Investigation
We investigate within 24-48 hours
Resolution
Issue resolved within 1-7 business days
⚠️ Important Information for Disputes
When raising a payment dispute, please provide:
- Order ID
- Transaction/Reference ID
- Payment method used
- Date and time of transaction
- Amount charged
- Screenshots of payment confirmation (if available)
- Bank statement showing deduction (if applicable)
9.3. Dispute Resolution Timeline
Response Time: 1-24 hours
Investigation: 24-48 hours
Resolution: 1-30 business days (depending on complexity)
10. Contact Us
For payment-related queries, disputes, or issues, please contact us:
Quick Response: We respond to payment queries within 1-24 hours. For urgent payment issues, please call us directly.