Payment & Security

We accept all major payment methods through our secure payment gateway, Razorpay:

Credit & Debit Cards:
• Visa, Mastercard, Maestro, RuPay, American Express

Digital Wallets:
• Paytm, PhonePe, Google Pay, Amazon Pay, Mobikwik

Net Banking:
• All major Indian banks

UPI:
• Google Pay, PhonePe, Paytm, BHIM, and all UPI apps

Buy Now Pay Later (BNPL):
• LazyPay, Simpl, ZestMoney (subject to approval)

Absolutely! Your payment security is our top priority.

✓ Razorpay Secure Payment Gateway: We use Razorpay, India's most trusted payment processor, certified by PCI DSS Level 1 (highest security standard)

✓ 256-bit SSL Encryption: All payment data is encrypted end-to-end

✓ No Card Details Stored: We never store or have access to your card information

✓ Two-Factor Authentication: All transactions are protected by OTP verification

Your financial information is completely secure with us.

Currently, we do not offer Cash on Delivery (COD).

Why?
• To minimize environmental impact from failed deliveries
• To ensure faster order processing
• To maintain affordable pricing for our customers

We accept all major digital payment methods for your convenience, including UPI, cards, net banking, and digital wallets through Razorpay.

Your payment is processed immediately upon order confirmation.

Payment Authorization:
• Funds are captured as soon as you complete checkout
• You'll receive an order confirmation email with payment receipt
• Order processing begins only after successful payment

Note: If payment fails or is declined, your order will not be processed, and no amount will be charged.

Payment failures can happen due to various reasons:

Common Causes:
• Insufficient balance
• Bank server issues
• Incorrect card details or OTP
• Daily transaction limit exceeded
• Card expired or blocked

What to Do:
1. Check if amount was debited from your account
2. If debited but order not confirmed, wait 24-48 hours for auto-refund
3. Try again with a different payment method
4. Contact support@momandzoey.com if issue persists

For approved returns or cancellations, refunds are processed to your original payment method:

Refund Timeline:
• Credit/Debit Cards: 7-10 business days
• Net Banking: 5-7 business days
• UPI/Wallets: 3-5 business days

Process:
1. Refund initiated within 24 hours of approval
2. Email notification sent with refund details
3. Bank processing time varies by institution

Contact us at support@momandzoey.com if refund is delayed beyond stated timelines.

Currently, we do not support split payments using multiple payment methods for a single order.

You must complete payment using one payment method. However, you can choose from any of our accepted options: cards, UPI, net banking, wallets, or BNPL services.

No hidden charges! The price you see is the price you pay.

What's Included:
• Product price
• Shipping charges (if applicable)
• GST (Goods & Services Tax) - included in product price

No Extra Fees:
✓ No payment gateway charges
✓ No processing fees
✓ No handling charges

International Orders: Customers are responsible for customs duties and import taxes (if applicable in their country).

Payment declines can occur for several reasons:

• Incorrect card details (CVV, expiry date, card number)
• Insufficient funds or credit limit reached
• Card not enabled for online transactions
• Daily transaction limit exceeded
• 3D Secure authentication failed
• Card issuer declined the transaction

Solution:
Contact your bank to enable online transactions or try a different payment method. If the issue persists, reach out to us at support@momandzoey.com.

Yes! A GST invoice is automatically generated for every order.

How to Access:
• Invoice is emailed with your order confirmation
• Available in 'My Orders' section of your account
• Included in the package delivery

If you need a duplicate invoice, contact support@momandzoey.com with your order number.

Razorpay is India's leading payment gateway, trusted by over 10 million businesses.

Why We Use Razorpay:
✓ PCI DSS Level 1 Certified - highest security standards
✓ Bank-grade encryption for all transactions
✓ 99.99% uptime ensuring smooth checkouts
✓ Instant payment confirmation
✓ Supports 100+ payment methods

Your payment information is never shared with us. Razorpay processes all transactions securely and independently.

We take data security extremely seriously:

✓ SSL/TLS Encryption: All data transmitted is encrypted using 256-bit SSL
✓ PCI DSS Compliance: Our payment partner Razorpay is PCI DSS Level 1 certified
✓ No Data Storage: We never store your card or banking details
✓ Secure Servers: Your data is protected on secure, monitored servers
✓ Privacy Policy: We never share your information with third parties

For more details, read our Privacy Policy.