Payment Policy 

  Last Updated: June 19, 2026 

Vijay Enterprise ("  we  ", "  us  ", or "  our  ") operates the multivendor ecommerce platform   vijayenterprise.site  . This Payment Policy explains the various payment methods we accept, how transactions are processed, and our policies regarding payments and payouts.

    1. Accepted Payment Methods

We accept the following secure digital payment options:

-   UPI  (Unified Payments Interface) – Google Pay, PhonePe, Paytm, BHIM, etc.
-   Credit Cards & Debit Cards  (Visa, Mastercard, RuPay, American Express)
-   Net Banking  (All major Indian banks)
-   Digital Wallets  – Paytm Wallet, Amazon Pay, PhonePe Wallet, etc.
-   Cash on Delivery (COD)  – Available on selected products and pin codes (subject to change)
-   EMI Options  – Available on eligible orders with partner banks and cards
-   Other Methods  – Any additional methods added from time to time

All online payments are processed through secure third-party payment gateways (e.g., Razorpay, Paytm, CCAvenue, etc.).

    2. Payment Security

- All payment transactions are processed through   PCI-DSS compliant  payment gateways.
- We do   not  store your complete credit/debit card details on our servers.
- Your payment information is encrypted and transmitted securely using SSL/TLS encryption.
- We use industry-standard security measures to protect your financial data.

    3. Order Confirmation & Payment

- Orders are confirmed only after successful payment (except for Cash on Delivery orders).
- In case of payment failure, your order will not be processed.
- For COD orders, payment is collected by the delivery partner at the time of delivery.

    4. Pricing & Currency

- All prices on the Platform are in   Indian Rupees (₹)  .
- Prices displayed are inclusive of applicable taxes unless stated otherwise.
- Additional charges (shipping, taxes, convenience fees) will be clearly shown before checkout.

    5. Refunds & Cancellations

- Refunds are processed as per our   Refund & Return Policy  .
- Refunds will be credited back to the   original payment method  used during purchase.
- For UPI / Wallet refunds: Usually credited within 1–3 business days.
- For Card / Net Banking refunds: Usually processed within 5–10 business days (depends on your bank).
- COD refunds (if any) are processed via bank transfer.

    6. Seller Payouts (Multivendor Platform)

- Sellers receive payments for their successful orders after deduction of platform commission and applicable fees.
- Payouts are processed on a   weekly / bi-weekly  basis (or as per the seller agreement).
- Minimum payout threshold may apply.
- Sellers must provide accurate bank details and GST information for smooth payouts.
- Payouts are processed through secure banking channels or payment partners.

    7. Failed / Declined Payments

- If your payment is declined, please check with your bank/card issuer. Common reasons include insufficient balance, card limit exceeded, or bank server issues.
- You can retry the payment or choose another payment method.

    8. Payment Disputes & Chargebacks

- Any payment disputes or chargebacks must be raised within the timeline allowed by the payment gateway and your bank.
- Fraudulent chargebacks may result in account suspension.

    9. Changes to Payment Policy

We reserve the right to update this Payment Policy at any time. Significant changes will be notified on the website. Continued use of the Platform after such changes constitutes your acceptance of the revised policy.

    Contact Us

If you have any questions regarding payments, refunds, or seller payouts, please contact our support team:

  Email: vijayenterprise1205@gmail.com
  Website:  https://vijayenterprise.site