Payment Policy

Vervit may accept different payment methods at checkout, depending on availability, payment gateway settings, customer location, order value, and internal checks.

Available payment methods may include:

• UPI
• Debit cards
• Credit cards
• Net banking
• Wallets
• Prepaid online payment
• Cash on Delivery, where eligible
• Partial COD, where available

The exact payment methods available for your order will be shown at checkout.

Razorpay, which Vervit may use as a payment provider, supports payment modes such as UPI, cards, wallets, and net banking.

Your order is confirmed only after Vervit receives successful payment confirmation or COD order confirmation.

For prepaid orders, payment confirmation usually happens immediately after successful payment.

For COD or partial COD orders, order confirmation may require:

• Mobile number verification
• WhatsApp confirmation
• Call confirmation
• Address verification
• Pincode serviceability check
• Internal order review

Vervit reserves the right to cancel or hold orders that cannot be verified.

The final amount payable will be shown at checkout before you place the order.

The final payable amount may include:

• Product price
• Discount or coupon benefit
• Shipping charges, if applicable
• COD charges, if applicable
• Gift packaging charges, if applicable
• Taxes, if applicable
• Any other charge clearly shown at checkout

Please review your cart and checkout amount carefully before completing payment.

Coupon codes may be available during selected offers or campaigns.

Coupon codes may be subject to:

• Minimum order value
• Selected products
• Selected collections
• Expiry date
• One-time use
• Customer eligibility
• Payment mode eligibility
• Non-combinability with other offers

If a coupon code is not applied before placing the order, Vervit may not be able to apply it manually after order confirmation.

Vervit reserves the right to change, pause, withdraw, or reject coupon usage in cases of misuse, technical error, or policy violation.

A payment may fail due to reasons such as:

• Bank server issue
• UPI app issue
• Incorrect OTP
• Incorrect card details
• Network failure
• Payment gateway timeout
• Insufficient balance
• Transaction declined by bank
• Payment cancelled by customer
• Browser or device issue

If payment fails and no successful payment confirmation is received by Vervit, the order may not be confirmed.

Sometimes the amount may be deducted from your bank account, UPI app, wallet, or card, but the payment may still show as failed due to bank or payment gateway delay.

If this happens:

• Do not place repeated payments immediately unless needed.
• Check your email/SMS for order confirmation.
• Wait for bank/payment gateway reversal.
• Contact Vervit Support with proof.

Please share:

• Customer name
• Registered mobile number
• Registered email ID
• Payment amount
• Payment date and time
• Transaction ID / UTR / payment reference number
• Screenshot of deduction
• Order ID, if generated

If Vervit has not received the payment, the deducted amount is usually reversed by the bank or payment provider as per their timeline.

If you accidentally make duplicate payment for the same order, please contact Vervit Support.

Once verified, the extra payment may be refunded to the original payment method or another approved method.

Refund processing will depend on bank/payment gateway timelines.

Vervit does not ask customers to share sensitive payment information through WhatsApp, phone call, email, Instagram DM, or any other manual channel.

Never share:

• OTP
• UPI PIN
• Card CVV
• Full card number
• Banking password
• Net banking credentials
• Wallet password

Vervit Support will never ask for your OTP, UPI PIN, CVV, or banking password.

For card payments in India, RBI's tokenisation framework states that actual card data is stored by authorised token service providers and token requestors cannot store the Primary Account Number/card number.

To protect customers and prevent misuse, Vervit may review or hold orders that appear suspicious.

This may include:

• Multiple COD orders from the same address
• Repeated failed delivery history
• Incorrect or incomplete address
• Unreachable phone number
• High-value order without verification
• Unusual payment activity
• Mismatch between billing and shipping details
• Suspected fraud or misuse of offers

Vervit may contact the customer for verification before dispatch.

If verification is not completed, the order may be cancelled.

Prepaid orders are orders paid online before dispatch.

Benefits of prepaid orders may include:

• Faster confirmation
• Faster processing
• Lower chance of order hold
• Access to selected prepaid offers, where available
• No need to arrange cash at delivery

Prepaid orders are subject to the same return, exchange, cancellation, and warranty terms as mentioned in Vervit's policies.

Cash on Delivery may be available only for selected orders and pincodes.

COD availability is not guaranteed for every customer or every location.

Please refer to the COD Policy for full details.

In partial COD orders, the customer pays a small amount online at the time of placing the order, and the remaining amount is paid at delivery.

The prepaid confirmation amount is adjusted against the final order value.

Partial COD may be used to reduce fake orders, failed deliveries, and non-serious COD orders.

Partial COD availability and amount will be shown at checkout if applicable.

Refunds are processed only for approved cases as per Vervit's policies.

Refunds may be issued for:

• Approved return cases
• Approved cancellation before dispatch
• Duplicate payment
• Payment received but order not confirmed
• Product unavailable after order placement
• Other cases approved by Vervit

Refunds are not automatically applicable for every order.

For prepaid orders, approved refunds are usually processed to the original payment method wherever possible.

For COD or partial COD orders, approved refunds may be processed through:

• UPI
• Bank transfer
• Store credit
• Wallet credit, where applicable
• Another approved method decided by Vervit

Customers may be required to provide correct refund details.

Vervit is not responsible for delay or failed refund caused by incorrect bank, UPI, or account details shared by the customer.

Refund timelines may vary based on payment method, bank, payment gateway, and verification.

Approved refunds are generally initiated after the required verification or quality check is completed.

After refund initiation, it may take additional working days for the amount to reflect in the customer's account, depending on the bank or payment provider.

Vervit is not responsible for delays caused by banks, UPI apps, wallets, card networks, or payment gateway systems.

However, our support team will help customers by checking available payment status and sharing relevant updates where possible.

If a customer raises a payment dispute or chargeback with their bank or card provider, Vervit may share order, payment, shipping, delivery, and communication records with the payment provider or bank for review.

Vervit reserves the right to hold refunds, exchanges, replacements, or further order processing until the dispute is resolved.

In some cases, Vervit may share an official payment link for:

• Price difference
• Exchange upgrade
• Partial COD confirmation
• Custom request
• Reshipping charges
• Other approved payment needs

Please make payment only through official Vervit links or official checkout pages.

Do not pay to any personal account unless confirmed through official Vervit support.

If the payment is incomplete, the order may not be confirmed.

Vervit may not reserve products for incomplete or unpaid orders.

Stock availability is confirmed only after successful order confirmation.