Payment Policy

Raj & Raj Pvt. Ltd. provides secure and convenient online payment options for customers purchasing furniture through our website.

This Payment Policy explains the accepted payment methods, payment processing procedures, transaction verification, payment security, failed transactions, and invoice-related information.

All payments are processed in accordance with applicable Indian laws and the terms of our authorised payment service providers.

Customers can make payments through the following methods available at checkout:

• UPI (Unified Payments Interface).
• Debit Cards.
• Credit Cards.
• Net Banking.

The availability of individual payment methods may depend on the payment provider, issuing bank, and transaction requirements.

Raj & Raj uses Razorpay as its online payment gateway for processing customer payments.

Customers will be redirected to or presented with the authorised payment interface to complete their transactions.

Payment processing is subject to Razorpay's applicable terms, conditions, security procedures, and payment verification requirements.

Customers are encouraged to review the relevant payment provider's terms and privacy information before completing a transaction.

Raj & Raj currently accepts prepaid orders only.

Customers must complete the full payment amount before their orders can be processed.

An order will generally proceed for processing after successful payment confirmation.

Customers should ensure that the payment is completed successfully before leaving the checkout process.

All product prices and payments are displayed and processed in Indian Rupees (INR).

Raj & Raj currently accepts domestic payments within India only.

International payments and foreign-currency transactions are not supported.

Customers should use an eligible Indian payment method to complete their purchases.

After successful payment, customers will receive an order confirmation through the registered email address, subject to successful transaction and order verification.

Payment confirmation may depend on the response received from the payment gateway or relevant financial institution.

Customers are advised to retain their payment confirmation or transaction reference for future communication.

An order will not be treated as successfully paid until the payment status has been appropriately verified.

Sometimes a payment may fail, remain pending, or show an unsuccessful status even when money has been debited from the customer's bank account.

If this happens, customers should:

1. 1Check their bank account or payment application for the transaction status.
2. 2Retain the transaction reference or payment ID.
3. 3Contact our customer support team at support@rajandraj.co.
4. 4Provide the order number, transaction reference, payment date, and relevant details.

Our team will verify the payment status with the relevant payment provider and assist with the resolution.

Where an amount has been debited but the order has not been successfully confirmed, any refund due will be handled in accordance with applicable law and payment-system requirements.

If a customer accidentally makes more than one payment for the same order, they should contact our customer support team.

Customers should provide:

• Order number.
• Transaction reference numbers.
• Payment date and amount.
• Relevant payment confirmation details.

Our team will verify the transactions and coordinate the appropriate resolution with the payment provider.

Any duplicate payment refund due will be processed in accordance with applicable law and payment-system requirements.

Raj & Raj uses an authorised payment gateway to facilitate online transactions.

Customers should follow these precautions when making payments:

• Complete payments only through the authorised checkout interface.
• Never share OTPs or UPI PINs with anyone.
• Do not share debit or credit card PINs or passwords.
• Avoid making payments through unofficial links or unknown payment requests.
• Ensure that the website address is correct before entering payment information.

Raj & Raj does not intend to collect or store customers' complete card security codes, payment passwords, or OTPs.

Payment-related information may be processed by the authorised payment gateway in accordance with its security procedures and privacy policy.

All product prices are displayed in Indian Rupees (INR), unless stated otherwise.

The final payable amount may include:

• Product price.
• Applicable taxes.
• Shipping and delivery charges.
• Other applicable charges disclosed before order confirmation.

The final amount payable will be displayed during checkout.

Customers should review the order summary and total payable amount before completing payment.

Customers will receive an order confirmation and applicable invoice through their registered email address after order confirmation, subject to successful order and payment verification.

The invoice may contain:

• Company details.
• Customer details.
• Order number.
• Product description.
• Quantity.
• Product price.
• Applicable taxes.
• Delivery charges, where applicable.
• Total amount paid.

Customers should retain their invoices for future reference, returns, refunds, warranty claims, or other customer support requests.

Eligible refunds will be processed in accordance with our Refund Policy and applicable laws.

Refunds will generally be initiated through:

• The original payment method, where practicable.
• Bank transfer to a verified customer bank account, where appropriate and legally permissible.

The time taken for the refunded amount to appear in the customer's account may depend on the bank, card issuer, payment gateway, or payment service provider.

For additional information, customers should refer to our Refund Policy.

If a customer notices an unauthorised or suspicious transaction associated with an order, they should immediately contact their bank or payment provider and notify Raj & Raj through our official customer support email.

Customers should not share confidential banking credentials when reporting such transactions.

Raj & Raj may review suspicious transactions and take appropriate steps in accordance with applicable law and payment-provider requirements.

Raj & Raj may update this Payment Policy to reflect changes in payment methods, payment gateway services, website functionality, business operations, or applicable legal requirements.

Any revised version will be published on this page with an updated revision date.

Customers are encouraged to review this policy periodically.

For payment-related questions, failed transactions, duplicate payments, or invoice assistance, please contact:

Please include your order number and relevant transaction reference when contacting our support team.