• Payment Policy

Payment Policy

Welcome to Mameraa. We strive to provide a secure, seamless, and transparent checkout experience. This policy outlines our accepted payment methods, billing terms, and transaction security standards.

1. Accepted Payment Methods

We offer both online prepaid options and Cash on Delivery across India:

  • Razorpay Secure Payment Gateway:

    • UPI: Google Pay, PhonePe, Paytm, BHIM, and any UPI app.

    • Debit & Credit Cards: Visa, MasterCard, RuPay, Maestro, and American Express.

    • Net Banking: Supported across all major Indian banks (SBI, HDFC, ICICI, Axis, Kotak, etc.).

    • Digital Wallets: Paytm Wallet, PhonePe, Mobikwik, and others.

  • Cash on Delivery (COD): Available for serviceable delivery pin codes across India. You pay cash or scan the courier's digital QR at the time of delivery.

2. Pricing & Currency

  • Currency: All product prices, shipping fees (if any), and totals are displayed and charged in Indian Rupees (₹ / INR).

  • Inclusive Pricing: All listed product prices include applicable goods and services taxes (GST).

  • No Hidden Fees: What you see at final checkout is the exact amount you pay. We do not charge convenience fees, gateway processing fees, or hidden handling fees.

3. Payment Security & Encryption

Your financial data is completely protected:

  • PCI-DSS Compliance: All online transactions are processed through Razorpay, a PCI-DSS Level 1 certified payment aggregator.

  • SSL Encryption: Our website uses 256-bit SSL encryption to ensure all customer data remains safe, encrypted, and inaccessible to third parties.

  • Zero Storage Policy: Mameraa does not store, process, or have access to your sensitive payment credentials (such as CVV numbers, card PINs, banking passwords, or UPI PINs).

4. Cash on Delivery (COD) Terms

  • Order Verification: To prevent fraudulent orders, our team may contact you via WhatsApp or phone call to verify your address and confirm your COD order prior to dispatch.

  • Payment at Delivery: Please keep the exact cash amount ready when the courier executive arrives. Many courier executives also support on-the-spot UPI QR scanning.

  • Open Box Delivery: Delivery agents do not permit opening parcels before payment. If there is an issue with the product after payment and delivery, our standard [Return & Refund Policy] applies.

5. Payment Failures & Deductions

  • Failed Transactions: If your account is debited but the order shows as failed or unconfirmed, bank payment gateways usually auto-reverse the funds within 24 to 48 business hours.

  • Escalations: If your deducted funds are not returned within 5 business days, contact your issuing bank or reach out to our customer care team with your payment transaction ID / screenshot.

6. Fraud Prevention Warning

  • Mameraa will never ask you to share your card CVV, OTP, bank passwords, or UPI PIN over the phone, SMS, email, or WhatsApp.

  • If you receive any suspicious requests claiming to be from Mameraa, do not share any details and report it to our team immediately.

7. Customer Support & Billing Inquiries

For billing assistance, payment confirmation, or tax invoice copies, contact us:

  • Store Name: Mameraa

  • Email: info@mameraa.in

  • Phone / WhatsApp: +91 9426009997

  • Operating Hours: Monday to Saturday | 09:00 AM – 05:00 PM IST

  • Business Address: 6009-6010, Avadh Textile Market, Opp. New Bombay Market, Sahara Darwaja Road, Surat, Gujarat - 395010, India