Payment Policy

PAYMENT POLICY

Last Updated: September 27, 2026

At MAMERAA SAREE (operated under legal entity KINJAL NILESH ASODARIYA), we are committed to providing a safe, reliable, and smooth checkout experience. This Payment Policy outlines the modes of payment we accept, pricing details, and our data protection standards across mameraa.in.

1. ACCEPTED PAYMENT OPTIONS
We provide multiple secure payment choices for customers across India:
- Unified Payments Interface (UPI): Google Pay, PhonePe, Paytm, BHIM, Cred, and all standard banking UPI handles.
- Credit & Debit Cards: Visa, MasterCard, RuPay, Maestro, and American Express.
- Net Banking: Seamless internet banking access across 50+ Indian commercial and public sector banks.
- Mobile Wallets: Paytm Wallet, Mobikwik, and supported wallet services.
- Cash on Delivery (COD): Available nationwide on serviceable pin codes across India.

2. CURRENCY & PRICING
- All product prices on our website are denominated and transacted exclusively in Indian Rupees (INR - ₹).
- Prices shown on product pages and at checkout are final.
- We strictly operate with zero hidden charges: no convenience fees, no gateway platform surcharges, and no surprise handling fees added at payment review.

3. TAXES (GST INCLUSIVE)
- All published prices are inclusive of Goods and Services Tax (GST) as applicable under Indian commercial tax regulations.
- Every order is dispatched with a legitimate tax invoice clearly stating the GSTIN, HSN classification, and corresponding tax breakdown.
- GSTIN: 24DURPA2143C1Z4

4. PAYMENT SECURITY & ENCRYPTION
Your payment security is our foremost priority:
- All payment transactions on mameraa.in are processed through certified, RBI-licensed payment aggregators equipped with 256-bit SSL (Secure Sockets Layer) encryption technology.
- We comply with PCI-DSS (Payment Card Industry Data Security Standard) criteria.
- MAMERAA SAREE does not store, capture, record, or view your sensitive payment credentials (such as complete credit/debit card numbers, CVV security codes, card expiry dates, or banking passwords) on our internal database or servers.

5. CASH ON DELIVERY (COD) GUIDELINES
- Customers choosing Cash on Delivery can make payment in physical currency or via mobile UPI QR scan directly to the logistics partner upon delivery.
- To avoid failed deliveries or spam orders, our team may verify high-value COD orders via phone call or WhatsApp message before packaging.
- Please have the exact payment amount ready when the logistics representative arrives.

6. TRANSACTION FAILURES & BANK REVERSALS
- If money is deducted from your bank or card account during a checkout error where no order confirmation was generated, please do not worry. This occurs during temporary network timeouts between the payment gateway and your issuing bank.
- In such instances, the deducted amount remains in an interbank settlement pool and is automatically credited back to your original source within 3 to 5 business days by your issuing bank.
- For unresolved deductions beyond 5 business days, please contact our help desk with your bank reference or transaction ID.

7. REFUND PROCESSING
All eligible refunds resulting from approved returns or pre-dispatch order cancellations are processed back to the original source of payment within 7 business days. For Cash on Delivery orders, refunds are issued electronically via direct Bank Transfer (NEFT/IMPS) or verified UPI ID upon customer confirmation.

8. BUSINESS & SUPPORT CONTACT
For any payment issues, transaction verification, or invoice assistance, please reach out to our billing support desk:

Trade Name: MAMERAA SAREE
Legal Entity Name: KINJAL NILESH ASODARIYA
GSTIN: 24DURPA2143C1Z4
Registered Business Address: First Floor, 167, Ishwar Nagar Society, Puna to Bombay Market Road, Punagam, Surat, Gujarat - 395010, India
Email: info@mameraa.in
Phone / WhatsApp: +91 9426009997
Support Hours: Monday to Saturday | 09:00 AM – 06:00 PM IST (Closed on Sundays & National Holidays)