Payment Policy
Last updated: March 13, 2026
ZENOPAY SOLUTIONS PRIVATE LIMITED
Secure, convenient, and trusted payment solutions for your e-commerce experience. We support multiple payment methods for your convenience.
Table of Contents
1. Overview
At ZENOPAY SOLUTIONS PRIVATE LIMITED, we strive to provide a seamless and secure payment experience tailored for our customers. We support a wide range of popular and trusted payment methods to make your shopping convenient and worry-free.
All payments are processed through secure, encrypted gateways that comply with industry standards for data protection and financial security.
2. Accepted Payment Methods
We accept a variety of payment methods to provide maximum convenience for our customers:
UPI & Digital Wallets
Pay instantly using UPI apps like PhonePe, Google Pay, Paytm, BHIM, and other popular digital wallets.
Credit & Debit Cards
All major cards accepted: Visa, MasterCard, RuPay, and American Express with secure processing.
Net Banking
Direct payment via internet banking from all major Indian banks with secure authentication.
Cash on Delivery
Pay in cash when your order is delivered. Available for select locations and order values.
Buy Now Pay Later
Flexible payment options through our BNPL partners for eligible customers and orders.
Gift Cards & Credits
Redeem gift cards, store credits, and loyalty points for your purchases.
2.1 UPI & Digital Wallet Details
- PhonePe: Fast and secure payments through the PhonePe app
- Google Pay: Use your Google Pay account for instant transactions
- Paytm: Pay easily using your Paytm wallet or UPI
- BHIM UPI: Direct UPI payments through any UPI-enabled app
- Amazon Pay: Quick checkout using your Amazon Pay balance
2.2 Card Payment Details
- Credit Cards: Visa, MasterCard, American Express, Diners Club
- Debit Cards: All Indian bank debit cards with Visa/MasterCard/RuPay
- International Cards: Selected international cards accepted
- EMI Options: Available for credit cards from participating banks
2.3 Cash on Delivery (COD)
- Available for orders up to ₹50,000
- Limited to specific PIN codes (check at checkout)
- Additional COD charges may apply
- ID verification required at delivery
3. Payment Security
We implement multiple layers of security to protect your payment information:
SSL Encryption
256-bit SSL encryption for all payment transactions
PCI DSS Compliant
Payment Card Industry Data Security Standards certified
Two-Factor Authentication
OTP and 2FA verification for enhanced security
RBI Compliance
Compliant with Reserve Bank of India guidelines
3.1 Data Protection
- Your card and UPI details are never stored on our servers
- All payment information is encrypted during transmission
- Tokenization used for saved payment methods
- Regular security audits and monitoring
- Fraud detection and prevention systems
3.2 Secure Payment Processing
- Payments processed through certified payment gateways
- Real-time fraud monitoring and risk assessment
- Secure authentication protocols
- Immediate payment confirmation and receipts
4. Transaction Processing
4.1 Payment Processing Times
- UPI/Digital Wallets: Instant processing
- Credit/Debit Cards: 2-3 minutes for authorization
- Net Banking: Real-time processing
- BNPL: Instant approval for eligible customers
4.2 Order Confirmation
- Immediate payment confirmation via email and SMS
- Order details and tracking information provided
- Payment receipt sent to registered email
- Transaction reference number for future reference
4.3 Payment Authorization
- Pre-authorization for high-value transactions
- Identity verification may be required
- Additional documentation for business accounts
- Fraud prevention checks for suspicious activity
5. Failed Transactions & Refunds
5.1 Failed Payment Handling
- If payment fails but amount is debited, automatic refund within 5-7 business days
- Real-time notification for failed transactions
- Option to retry payment with different method
- Customer support assistance for payment issues
5.2 Refund Processing
- UPI/Digital Wallets: 1-3 business days
- Credit Cards: 5-7 business days
- Debit Cards: 7-10 business days
- Net Banking: 5-7 business days
5.3 Dispute Resolution
- Dedicated payment support team
- Transaction tracking and investigation
- Bank coordination for dispute resolution
- Regular status updates during resolution
Important: For any payment issues, contact our support team immediately with your transaction reference number for faster resolution.
6. Payment Verification
6.1 Standard Verification
- OTP verification for card and UPI transactions
- 3D Secure authentication for credit cards
- Bank authorization for net banking
- Biometric authentication where available
6.2 Additional Verification
- Phone verification for high-value orders
- Address verification for COD orders
- Identity verification for business accounts
- Document verification for international payments
7. Important Notes
Currency: All transactions are processed in Indian Rupees (₹). International customers may see currency conversion charges from their bank.
7.1 Payment Restrictions
- Minimum order value: ₹100 for online payments
- Maximum order value: ₹2,00,000 per transaction
- Daily transaction limits as per RBI guidelines
- Some payment methods may have specific limits
7.2 International Payments
- Selected international cards accepted
- Additional verification required for international transactions
- Currency conversion charges may apply
- Compliance with international payment regulations
7.3 Business Payments
- GST invoicing for business purchases
- Credit facility for verified business accounts
- Bulk payment options available
- Purchase order support
8. Contact Information
For payment-related queries, transaction issues, or refund assistance, please contact us:
Company: ZENOPAY SOLUTIONS PRIVATE LIMITED
Payment Support: business@zeno-in.com
Customer Service: business@zeno-in.com
Phone: +91 8509055988
Address: C/O SK IASIN, VILL-ALUA, JERTHAN, P.O.-JERTHAN, Jerhan, Jerthan, East Midnapore- 721420, West Bengal, India
Payment Support Hours: 24/7 (Priority support during business hours)
Quick Resolution: For faster assistance, please have your order number and transaction reference ready when contacting support.
Business Inquiry: For payment gateway integration or business payment solutions, contact our business development team.