Payment Policy
OVERVIEW
This Payment Policy governs all payment transactions made on www.toys-gifts-chocolates.com, operated by MerxGroser Pvt Ltd (“Company”, “we”, “us”, “our”). By placing an order on our website, you agree to comply with this Payment Policy in addition to our Terms & Conditions, Shipping Policy, Returns & Refunds Policy, and Privacy Policy.
ACCEPTED PAYMENT METHODS
Payments on toys-gifts-chocolates.com are accepted through our secure payment gateway partner, Cashfree. Available payment options include:
- Credit & Debit Cards: Visa, MasterCard, American Express, RuPay
- UPI Payments: Google Pay, PhonePe, Paytm, BHIM UPI
- Digital Wallets: As supported by Cashfree
- Net Banking: Select Indian banks
Payment options may vary depending on user location, bank availability, or device compatibility.
PAYMENT PROCESSING
- All transactions are processed securely through Cashfree, which complies with applicable security and PCI-DSS standards.
- MerxGroser Pvt Ltd does not store or process your card, banking, or UPI credentials.
- Successful payments result in an order confirmation via email and/or SMS.
- Orders are considered confirmed only after successful payment authorization.
In line with our Terms & Conditions, we reserve the right to cancel or place an order on hold if payment verification fails or suspicious activity is detected.
BILLING INFORMATION & VERIFICATION
- Customers are responsible for providing accurate and complete billing details.
- Incorrect, incomplete, or unverifiable billing information may result in:
- Order delays
- Order cancellation
- Refunds processed after applicable deductions
As stated in our Terms & Conditions, we reserve the right to refuse or cancel orders suspected of fraud, misuse, or policy violation.
FAILED, PENDING, OR DUPLICATE TRANSACTIONS
- In case of a failed transaction where the amount is debited, banks or payment providers typically auto-reverse the amount within 5–7 business days.
- For duplicate charges or unresolved payment issues, customers must contact us with:
- Order ID
- Transaction reference number
- Date and amount
We will coordinate with Cashfree to assist in resolution, as per applicable banking timelines.
REFUNDS & CANCELLATIONS
- Refunds are processed strictly in accordance with our Returns & Refunds Policy and Terms & Conditions.
- Approved refunds will be credited to the original payment method used via Cashfree.
- Refund timelines depend on:
- Payment method used
- Bank or wallet provider
- Cashfree processing cycles
Please allow 7–10 business days for refunds after approval.
PAYMENT SECURITY
- All payments are protected using secure encryption technologies.
- Cashfree ensures compliance with industry security standards.
- Customers must keep OTPs, UPI PINs, and card details confidential.
- MerxGroser Pvt Ltd shall not be liable for losses arising from unauthorized access caused by customer negligence, as outlined in our Terms & Conditions.
LIMITATION OF LIABILITY
In accordance with our Terms & Conditions, MerxGroser Pvt Ltd shall not be liable for payment failures caused by third-party providers, banks, or technical issues beyond our control. Our liability, if any, shall be limited to the extent permitted by law.
CHANGES TO THIS POLICY
We reserve the right to update or modify this Payment Policy at any time. Changes will be effective immediately upon posting on the website. Continued use of the site constitutes acceptance of the updated policy.
CONTACT US
For any payment-related questions or assistance, please contact our customer support team:
📧 info@toys-gifts-chocolates.com
📞 +91 9740775750
Thank you for choosing toys-gifts-chocolates.com. We appreciate your trust and look forward to delivering a safe and delightful shopping experience!