Payment Policy
Effective Date: October 7, 2026
Website: www.garimas.in
Company: GARIMAS
This Payment Policy outlines the accepted modes of payment, security measures, and billing terms for all purchases made on garimas.in. By placing an order for our fashion accessories, you agree to the payment terms described below.
1. Accepted Payment Methods
We offer multiple secure payment options to ensure a smooth checkout experience. You can choose to pay prepaid via our online payment gateway or opt for Cash on Delivery (COD), subject to availability.
Online Payments (Prepaid)
All online transactions are securely processed through the Razorpay payment gateway. Through Razorpay, we accept the following payment methods:
* UPI: Google Pay, PhonePe, Paytm, Amazon Pay, BHIM, and other UPI applications.
* Credit/Debit Cards: Visa, MasterCard, RuPay, and Maestro.
* Net Banking: All major Indian banks.
* Mobile Wallets: Paytm, Amazon Pay, Mobikwik, and Freecharge.
Cash on Delivery (COD)
We offer Cash on Delivery (COD) for customers who prefer to pay upon receiving their physical order.
* Location Availability: COD is available only in select pin codes and is strictly dependent upon the serviceability of our shipping partners. You can verify COD availability for your location by entering your delivery pin code on the checkout page.
* Payment at Delivery: The total order amount must be paid in full to the delivery executive before the package is handed over. Depending on the shipping partner, the delivery executive may accept cash or a direct UPI transfer at the doorstep.
2. Payment Security & Data Privacy
Your financial security is a primary priority.
* Encryption: All online payments are processed through Razorpay, which utilizes industry-standard AES 256-bit encryption and is PCI-DSS (Payment Card Industry Data Security Standard) compliant.
* No Data Storage: GARIMAS does not collect, process, or store your complete credit card numbers, debit card numbers, or UPI PINs on our servers. All sensitive payment data is handled directly by Razorpay and your respective bank.
3. Pricing and Taxes (GST)
* Inclusive Pricing: All product prices listed on garimas.in are stated in Indian Rupees (INR) and are inclusive of all applicable Goods and Services Tax (GST).
* Shipping & COD Fees: Standard shipping rates or specific COD convenience fees (if applicable) are not included in the base product price. Any additional shipping charges will be calculated and clearly displayed on the final checkout page before you complete your payment.
4. Payment Failures and Deductions
In the event of a network failure or technical glitch during an online transaction:
* Amount Deducted but Order Not Confirmed: If your bank account or wallet is debited but you do not receive an order confirmation email or SMS from garimas.in, the transaction is considered failed.
* Auto-Refunds: The deducted amount will automatically be reversed by Razorpay and credited back to your original source of payment within 5 to 7 business days, depending on your bank's processing time.
* If you need to secure the inventory immediately, you may place a fresh order while the failed transaction refund is being processed.
5. Refunds for Cancellations and Returns
* Prepaid Orders: If a prepaid order is canceled prior to dispatch, or a valid return is processed, the refund will be routed back through Razorpay to the original payment method used during checkout.
* COD Orders: For orders paid via Cash on Delivery, refunds for returned items will be processed via a direct bank transfer (NEFT/IMPS) or UPI. Our support team will request your bank account details or UPI ID when initiating the return process.
6. Contact Information For any discrepancies, failed transactions, or payment-related inquiries, please contact our support team:
* Email: hello@garimas.in
* Operating Hours: Monday to Saturday, 10:00 AM to 6:00 PM (IST)