Payment Policy Shri Ram Pharma AFS Effective Date: 1st May 2025 | Last Updated: May 2025
1. Introduction
This Payment Policy outlines the accepted payment methods, security practices, billing procedures, and related terms applicable to all transactions made on the Shri Ram Pharma AFS website. By placing an order with us, you agree to the terms outlined in this policy.
2. Accepted Payment Methods
We accept the following forms of payment:
a) UPI Payments
- Google Pay, PhonePe, Paytm, BHIM UPI, and all other UPI-enabled applications
- Instant payment confirmation upon successful transaction
b) Debit Card and Credit Card
- All major cards including Visa, MasterCard, RuPay, and American Express
- Processed through a secure, PCI-DSS compliant payment gateway
c) Net Banking
- All major Indian banks supported through our payment gateway
d) Digital Wallets
- Paytm Wallet, Mobikwik, and other supported wallets (subject to availability)
e) Cash on Delivery (COD)
- Available in select pin codes and for orders up to a specified order value
- COD availability will be displayed at checkout based on your delivery location
- A nominal COD handling charge may apply and will be shown before order confirmation
f) Bank Transfer / NEFT / RTGS / IMPS
- Available primarily for bulk, wholesale, or institutional orders
- Payment must be completed and confirmed before order processing begins
- Please contact us at sales@shriramafs.com for bank account details for bulk orders
3. Payment Security
The security of your financial information is our highest priority. We implement the following measures:
- All online transactions are processed through encrypted, SSL-secured payment gateways
- We comply with PCI-DSS (Payment Card Industry Data Security Standards)
- Shri Ram Pharma AFS does not store, access, or record your full card number, CVV, or banking credentials
- All payment data is handled exclusively by our payment gateway partners
- Two-factor authentication (OTP verification) is required for card and net banking transactions
4. Order Confirmation and Payment Verification
- Your order will be confirmed only after successful payment verification by our system.
- You will receive an order confirmation via email and/or SMS upon successful payment.
- In case of payment failure, your order will not be processed. Please retry the payment or use an alternate payment method.
- If your payment was debited but you did not receive an order confirmation within 24 hours, please contact us immediately. Duplicate charges, if any, will be fully refunded.
5. Pricing and Currency
- All prices displayed on our website are in Indian Rupees (INR).
- Prices are inclusive of applicable GST unless stated otherwise.
- We reserve the right to change prices at any time without prior notice. However, the price at the time of order confirmation will be honoured for that specific order.
- For international customers placing orders via special arrangement, prices and currency conversion will be agreed upon separately.
6. GST and Invoicing
- A GST-compliant tax invoice will be generated for every purchase.
- The invoice will be sent to your registered email address and/or included with the shipment.
- If you require the invoice in a specific business name or with a GST number, please provide this information at the time of ordering. Changes to invoices cannot be made after dispatch.
- Our GSTIN will be mentioned on all tax invoices.
7. Cash on Delivery (COD) Terms
- COD is available only in serviceable areas as determined by our logistics partners.
- Maximum order value for COD may be limited. This limit, if applicable, will be displayed during checkout.
- Payment must be made in exact cash to the delivery person. Our delivery partners do not carry change.
- COD orders that are refused at delivery or not paid for at the time of delivery may result in your account being restricted from future COD transactions.
- A COD handling fee, if applicable, is non-refundable in cases of refused delivery.
8. Payment Failures and Declined Transactions
If your payment fails or is declined:
- Check that your card details, UPI ID, or banking credentials are entered correctly.
- Ensure that your bank account or card has sufficient funds or credit limit.
- Some banks may block unfamiliar transactions for security purposes. Contact your bank to authorise the payment and retry.
- If the issue persists, try an alternate payment method or contact us for assistance.
9. Refunds Related to Payment
All refunds will be processed to the original payment method. For detailed information, please refer to our Refund Policy. Refunds to bank accounts or cards may take 5–10 business days depending on your bank’s processing time. UPI refunds are typically faster.
10. Payment Disputes and Chargebacks
If you believe an unauthorised or incorrect charge has been made:
- Contact us immediately at sales@shriramafs.com or +91 90 70 83 70 70.
- Provide your order number, transaction reference, and details of the disputed charge.
- We will investigate and respond within 5–7 business days.
- Please do not raise a chargeback with your bank before contacting us, as this may delay resolution. Fraudulent chargebacks will be disputed.
11. Contact Us
For any payment-related queries or concerns:
Shri Ram Pharma AFS 133773, Church Road, Civil Line, Khemka Nagar, Saharanpur – 247001, Uttar Pradesh, India Phone: +91 90 70 83 70 70 Email: sales@shriramafs.com