Free shipping on orders above ₹199

Free shipping on orders above ₹199

Payment Policy

Policy Document

Payment Policy

🔒 Secure Payments
All transactions on sakharam.in are encrypted and processed through secure, RBI-compliant payment gateways. We do not store your card or bank account details on our servers.

1. Accepted Payment Methods
Payment MethodDetails
UPIGoogle Pay, PhonePe, Paytm, BHIM UPI, and all UPI apps
Credit / Debit CardsVisa, Mastercard, RuPay (all Indian banks)
Net BankingAll major Indian banks supported
WalletsPaytm Wallet, Mobikwik, Freecharge
EMIAvailable on select credit cards for orders above ₹3,000
Cash on Delivery (COD)Available for orders up to ₹2,000 in serviceable areas

2. Payment Security
  • All payments are processed through a PCI-DSS compliant payment gateway.
  • We use 256-bit SSL encryption for all transactions.
  • We never store credit/debit card numbers, CVV, or UPI PINs on our servers.
  • All card transactions require OTP (3D Secure) authentication.

3. Order Confirmation

Your order is confirmed only after successful payment authorisation. You will receive an order confirmation email and SMS to your registered contact details. If payment is deducted but you do not receive a confirmation, please contact us within 24 hours.

4. Failed Transactions

If your payment fails during checkout:

  • Do not attempt to pay multiple times — check your bank statement first.
  • If money has been deducted but the order is not confirmed, the amount will be automatically refunded to your original payment source within 5–7 business days by the payment gateway.
  • Contact us at sales@sakharam.in with your transaction reference if the refund is delayed.

5. Refund Timelines
ReasonRefund ModeTimeline
Payment failure / duplicate chargeOriginal payment method5–7 business days
Order cancelled before dispatchOriginal payment method5–7 business days
Wrong / damaged product receivedOriginal payment method or store credit7–10 business days after verification
COD order cancelled before dispatchBank transfer (NEFT/IMPS)5–7 business days

6. GST & Invoicing

All prices on our website are inclusive of GST. A GST-compliant tax invoice will be included with every shipment and emailed to your registered email address. Our GSTIN is available on all invoices.

7. Currency

All transactions on this website are processed in Indian Rupees (INR) only. International card payments are subject to your bank’s conversion rates and foreign transaction fees (if applicable).

8. Contact for Payment Issues
  • 📧 Email: sales@sakharam.in
  • 📞 Phone: +91 072489 46611
  • 🕐 Hours: Monday–Saturday, 9:00 AM – 6:00 PM IST
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