Payment Policy

📌 Overview & Scope

CapHanu Enterprise provides multiple payment options to make shopping convenient, secure, and flexible. This Payment Policy applies to all orders, carts, invoices, custom orders, digital products, subscription-style services, B2B orders, seller marketplace orders, wallet transactions, CapCoin redemptions, coupons, gift cards, partial payments, failed payments, duplicate payments, refunds, disputes, and chargebacks on the platform.

By placing an order, choosing a payment method, using wallet/CapCoins, applying a coupon, making a top-up, accepting COD, or requesting refund, the customer agrees to follow this policy along with Terms & Conditions, Refund Policy, Cancellation Policy, Shipping & Delivery Policy, Wallet & CapCoin Policy, COD Policy if available, and any product-specific payment terms.

💳 Accepted Payment Methods

CapHanu Enterprise may support different payment methods depending on order type, pincode, product category, seller, risk score, customer account, payment partner, cart value, and platform settings.

Not every payment method is available for every order. CapHanu Enterprise may enable, disable, restrict, or change payment methods based on operational, security, risk, legal, gateway, or business reasons.

🏦 Online Payment Rules

Online payments may be processed through third-party payment gateways, banks, UPI providers, card networks, wallet partners, or payment service providers. CapHanu Enterprise does not control every step of external payment processing, but we make reasonable efforts to reconcile orders and payments properly.

• Customer must complete payment on the official payment page or approved payment flow only.
• Payment may require OTP, UPI PIN, bank authentication, 3D Secure, app approval, or additional verification.
• Order may remain pending until payment gateway confirms successful payment.
• If payment succeeds but order is not confirmed, reconciliation may be required before refund or order confirmation.
• CapHanu Enterprise is not responsible for delays caused by bank, card network, UPI provider, gateway downtime, or customer-side network issue.
• Payment gateway fees, convenience fees, COD charges, handling charges, or other charges may apply where clearly shown before payment.

Customers should not refresh, close browser, press back repeatedly, or retry multiple times during payment unless instructed by the payment page, as this may create pending or duplicate payment records.

💵 Cash on Delivery Rules

Cash on Delivery may be available for selected products, pincodes, customers, order values, sellers, and categories. COD availability is not guaranteed for every order and may be restricted by risk checks or operational limits.

• COD order may require mobile OTP verification before confirmation or delivery.
• COD may not be available for high-value products, digital products, custom products, B2B orders, fragile products, restricted categories, or certain sellers.
• COD handling charges may apply and will be shown during checkout where applicable.
• Customer must keep exact/valid payment ready at delivery and accept the parcel if the order is genuine.
• Repeated COD refusal, fake orders, wrong address, unreachable customer, or RTO may lead to COD restriction, prepaid-only mode, or account review.
• Courier agent should not ask for extra amount beyond order payable amount unless platform has clearly shown authorized charges.

👛 Wallet, CapCoin, Coupon & Gift Credit Payment

Customers may use eligible CapHanu Wallet balance, refund credit, store credit, CapCoins, coupons, vouchers, gift cards, promotional credits, or loyalty benefits according to platform rules and campaign terms.

• Wallet and CapCoin usage may be restricted by category, seller, order value, product type, payment mode, or campaign.
• CapCoins may not always equal cash value; conversion and maximum redemption may vary.
• Coupons may have minimum order value, maximum discount, expiry, one-time use, category exclusion, and user eligibility rules.
• Gift card or voucher value may have expiry and may be non-transferable.
• If order is cancelled or refunded, used wallet/CapCoin/coupon handling will follow Wallet & CapCoin Policy and offer rules.
• Technical error or duplicate credit may be corrected or reversed.

Promotional credits, coupons, and CapCoins generally cannot be withdrawn as cash or transferred to another user unless specifically allowed by platform rules.

⚠️ Failed, Pending & Duplicate Payments

A payment may fail, remain pending, or be deducted without immediate order confirmation due to bank delay, UPI timeout, gateway failure, browser close, network issue, payment authentication failure, duplicate attempt, or system reconciliation delay.

Customers should keep payment transaction ID, bank reference number, UPI reference, order ID, screenshot, payment date/time, and registered mobile/email ready for support verification.

✅ Order Confirmation & Payment Verification

Order confirmation is generated only after the platform receives required confirmation from payment gateway, bank, wallet ledger, COD verification, or internal system. In some cases, order may require manual verification before dispatch.

• Payment success message from bank does not always mean order is confirmed on CapHanu Enterprise.
• Customers should check order status in account dashboard or order confirmation message.
• CapHanu Enterprise may cancel or hold an order if payment is suspicious, incomplete, reversed, mismatched, or chargeback-linked.
• Stock availability, seller acceptance, pincode serviceability, and compliance checks may also affect order confirmation.
• For custom, digital, B2B, wholesale, or special orders, additional approval or advance payment terms may apply.

🔁 Refund Mode, Timeline & Adjustment

Refunds may be initiated for eligible cancellations, returns, failed payments, duplicate payments, out-of-stock orders, seller cancellation, product issue, delivery issue, or approved support resolution. Refund eligibility and timing depend on order status, payment mode, bank/gateway, inspection, policy terms, and fraud review.

Refund initiation date and bank credit date are different. Once refund is initiated from our side, actual credit may depend on bank, payment gateway, UPI provider, card issuer, or wallet rules.

📦 Payment Impact on Cancellation, Return & Exchange

When an order is cancelled, returned, replaced, exchanged, partially refunded, or rejected at delivery, payment and benefits may be recalculated.

• If order value falls below coupon minimum due to partial return, coupon benefit may be reversed.
• CapCoins earned on returned/refunded item may be reversed.
• Wallet credits used in order may be restored according to wallet rules and refund eligibility.
• Shipping charges, COD charges, convenience fees, handling fees, gift wrap fees, or service charges may be non-refundable in some cases where policy allows.
• Custom product, digital product, B2B order, and special procurement order may have different refund/payment rules.
• Refund may be held until returned product passes quality check, seller review, or fraud review.

🏦 Chargebacks, Bank Disputes & Payment Reversals

If a customer raises chargeback, bank dispute, unauthorized transaction claim, payment reversal, or payment complaint, CapHanu Enterprise may pause order processing, hold refund, block wallet/CapCoins, restrict account, or request proof until the issue is resolved.

• Customer should not raise chargeback and refund request for the same issue without informing support.
• CapHanu Enterprise may provide order, shipment, delivery, invoice, and transaction records to payment partner or bank for dispute response.
• If chargeback is approved by bank after refund was already given, duplicate recovery may be initiated.
• Fraudulent chargeback or false unauthorized claim may lead to account restriction and legal action where necessary.
• Seller payout may be held or adjusted if seller is responsible for the disputed transaction.

🏢 B2B, Custom & Digital Product Payment Rules

Certain order types may require special payment terms because they are made-to-order, high value, non-returnable, digitally delivered, bulk-supplied, or business-specific.

• B2B/wholesale orders may require quotation, advance payment, full payment, GST details, bank transfer verification, and written terms.
• Custom design products may require advance payment before design or production starts.
• Digital products may require successful prepaid payment before download/access is enabled.
• Special procurement, personalized, made-to-order, or custom manufacturing orders may not be cancellable after processing starts.
• Bulk order payment disputes may be handled according to quotation, invoice, purchase order, and written agreement.

🧾 Fees, Taxes, Charges & Rounding

Final payable amount may include product price, tax, shipping charge, COD charge, payment handling fee, convenience fee, packaging fee, gift wrap fee, wallet adjustment, coupon discount, CapCoin redemption, seller discount, and other applicable charges shown before checkout.

• Taxes and charges may vary by product, seller, category, pincode, invoice type, and offer.
• Rounding difference may occur due to tax calculation, discount split, gateway amount, or partial refund.
• Convenience fee, payment gateway fee, COD charge, or shipping charge may be non-refundable where clearly stated and legally allowed.
• Customers should review final order summary carefully before confirming payment.

🔐 Payment Security & Customer Safety

CapHanu Enterprise aims to provide secure payment experience through approved payment partners and internal security practices. Customers must also protect their own credentials and avoid fraud.

• Do not share OTP, UPI PIN, card PIN, CVV, password, bank login, or full card details with anyone.
• CapHanu Enterprise will never ask for UPI PIN, card PIN, password, or OTP through phone, WhatsApp, email, or unofficial link.
• Use only official CapHanu Enterprise website/payment page for payment.
• Do not pay to personal UPI IDs, unknown QR codes, or unofficial payment links claiming to be CapHanu support.
• Report suspicious calls, payment links, refund scams, fake support pages, or unauthorized transactions immediately.
• Saved payment method features, if available, may be managed through payment gateway/tokenized systems and platform settings.

🛡️ Fraud Review, Payment Hold & Account Restrictions

CapHanu Enterprise may review transactions to prevent fraud, fake orders, payment misuse, COD abuse, coupon misuse, wallet abuse, CapCoin abuse, referral abuse, affiliate abuse, chargeback misuse, and suspicious activity.

• Orders may be held or cancelled if payment appears suspicious or mismatched.
• Wallet/CapCoin usage may be blocked during fraud review.
• High-value orders may require additional verification before dispatch.
• Repeated failed payments, fake COD, RTO, chargebacks, or suspicious refunds may lead to prepaid-only mode or account restriction.
• CapHanu Enterprise may request ID/order/payment verification in limited cases where needed for safety and compliance.
• Fraudulent activity may lead to cancellation, benefit reversal, wallet freeze, account suspension, payout hold, or legal action.

⚖️ Payment Disputes & Support Process

Customers may contact support for failed payment, duplicate debit, successful payment but no order, pending refund, wrong refund mode, wallet debit, CapCoin issue, coupon issue, COD dispute, chargeback issue, or unauthorized payment concern.

• Provide order ID, transaction ID, payment reference number, UPI reference, bank screenshot, date/time, amount, and registered mobile/email.
• Do not share sensitive information such as OTP, UPI PIN, card PIN, full card number, CVV, or bank password.
• Support may need time to verify with payment gateway, bank, wallet ledger, order system, seller, or courier partner.
• Duplicate payment refunds may be processed after verifying that extra amount was actually received or settled.
• Disputes raised after long delay may require additional proof and may depend on payment provider record availability.

🔄 Payment Policy Updates

CapHanu Enterprise may update this Payment Policy due to payment gateway changes, bank rules, UPI changes, COD operations, wallet/CapCoin changes, fraud prevention, tax requirements, refund process, business needs, or platform improvements.

Updated versions will be published on this page with the latest update date. Continued use of payment services after updates means the customer acknowledges the revised Payment Policy.

📩 Contact & Payment Support

For failed payment, duplicate payment, refund delay, wallet debit, CapCoin redemption, coupon issue, COD issue, chargeback, payment fraud, or payment policy clarification, contact official CapHanu Enterprise support channels with complete details.

Please do not share OTP, password, UPI PIN, card PIN, CVV, full card number, or bank password. Use only official CapHanu Enterprise support channels for payment help.