1. Available payment methods

Checkout shows the payment methods available for the order. These may include supported online methods through Razorpay and cash on delivery. COD availability can depend on pincode, order value, product, risk checks and the active shipping rule.

2. Online payment processing

The payment provider securely collects the payment credential and returns a status and transaction reference to us. An authorisation or debit does not always mean the order was successfully created; rely on KochasKart’s order confirmation.

• Do not refresh, close or repeat payment while a result is pending unless prompted.
• We store transaction references, amount, provider and status needed for reconciliation, not your card PIN, CVV, UPI PIN or OTP.

3. Failed, pending or duplicate transactions

• If payment fails and no order is created, the bank or provider normally reverses an authorisation automatically under its timelines.
• If your account is debited but the order is not confirmed, contact us with the provider reference and masked evidence; do not share sensitive credentials.
• A verified duplicate captured payment is refunded to its source. We investigate against provider records before initiating it.

4. Cash on delivery

• Keep the exact accepted amount or use a supported collection method offered by the delivery person.
• Do not pay before verifying the order reference and delivery identity.
• A refused or repeatedly unavailable COD delivery may affect future COD eligibility after a fair fraud/risk review.
• A refund after COD collection uses a verified supported payout method; cash pickup refunds are not promised unless confirmed.

5. Pricing, tax and invoice

All amounts are in Indian rupees. Before order placement, checkout displays the item total, discount, delivery charge and final payable amount. A tax invoice or compliant bill is provided electronically or with the order as applicable and identifies the seller and transaction.

6. Verification and safety

We may pause or cancel a transaction where proportionate checks identify suspected unauthorised use, mismatch, promotion abuse or another security concern. We may ask you to confirm non-sensitive order information but will never ask for a PIN, CVV, UPI PIN, OTP or password.

7. Refunds and payment disputes

Approved refunds follow the Returns and Refunds or Cancellation Policy and are normally initiated to the original online source. Bank posting time begins after provider initiation. Contact us promptly before or alongside a chargeback so we can investigate; nothing here restricts a lawful dispute right.