Payment Policy

At SS Agarbatti & Perfumes, we strive to make your shopping experience on ssagarbatti.in as smooth and secure as possible. This Payment Policy outlines the payment methods we accept, how we secure your transactions, and how payment-related issues are handled.

By placing an order for our agarbatti and perfumes, you agree to the payment terms described below.
1. Accepted Payment Methods
We offer a variety of secure payment options for our customers across India. You can pay for your orders using any of the following methods during checkout:
UPI (Unified Payments Interface): Google Pay (GPay), PhonePe, Paytm, BHIM, and other supported UPI apps.
Credit and Debit Cards: We accept all major Indian and international cards, including Visa, MasterCard, RuPay, and Maestro.
Net Banking: Direct bank transfers through all major Indian banks.
Mobile Wallets: Supported digital wallets (e.g., Paytm Wallet, Amazon Pay, Mobikwik).
Cash on Delivery (COD): COD may be available for select pin codes within India. Please note that a nominal convenience fee may apply to COD orders, and we reserve the right to disable COD for certain locations or accounts with a history of rejected deliveries.
2. Payment Security
Your online security is our top priority.
All online transactions are processed through highly secure and trusted third-party payment gateways compliant with the Reserve Bank of India (RBI) guidelines.
Our website uses industry-standard Secure Sockets Layer (SSL) encryption to protect your data during the checkout process.
SS Agarbatti & Perfumes does not collect or store your complete credit/debit card numbers, UPI PINs, or bank account passwords on our servers. All sensitive payment data is handled directly by the secure payment gateway.
3. Pricing and Taxes
Currency: All prices listed on ssagarbatti.in are in Indian Rupees (INR).
Taxes: Unless otherwise stated, all product prices are inclusive of Goods and Services Tax (GST) as mandated by the Government of India.
Shipping Charges: Any applicable shipping fees will be calculated and displayed clearly at checkout before you complete your payment.
4. Payment Failures and Discrepancies
Occasionally, technical issues may cause a payment transaction to fail or time out.
Amount Deducted but Order Not Confirmed: If the purchase amount is deducted from your bank account or card, but you do not receive an order confirmation from us, please do not panic. The transaction usually fails at the gateway level. The deducted amount will automatically be refunded to your original payment method by your bank within 5 to 7 business days.
Order Assistance: If you face persistent payment issues or need us to check the status of a failed transaction, please contact our support team with your transaction reference number.
5. Fraud Prevention
We reserve the right to cancel any order if our payment gateway flags the transaction as potentially fraudulent, suspicious, or unauthorized. We may also request additional verification from you before processing high-value orders.