Payment Policy

1. Overview

ItsTrend.in is committed to providing a secure, seamless payment experience. All online payments are processed through Razorpay, one of India's leading payment gateways, which is fully compliant with PCI-DSS Level 1 standards — the highest level of security certification in the payments industry.

We offer multiple payment options to suit every customer's preference, from UPI to Cash on Delivery.

2. Accepted Payment Methods

2.1 Online Payments

• UPI — Google Pay, PhonePe, Paytm, BHIM, and all UPI-enabled apps
• Credit Cards — Visa, Mastercard, American Express, RuPay
• Debit Cards — All major Indian bank debit cards, RuPay
• Net Banking — 100+ Indian banks supported
• Digital Wallets — Paytm, Amazon Pay, Mobikwik, Freecharge
• EMI — Available on select cards (minimum order value ₹3,000); no-cost EMI options may be available via Razorpay

2.2 Offline Payments

• Cash on Delivery (COD) — Available at select PIN codes (see Section 5)

We do not accept bank transfers, cheques, demand drafts, or cryptocurrency as payment.

3. Currency & Pricing

All transactions on ItsTrend.in are processed exclusively in Indian Rupees (INR). Prices displayed on the platform are in INR and include applicable GST unless explicitly stated otherwise.

If you are accessing our site from outside India, your bank or card issuer may apply a foreign currency conversion fee. We are not responsible for any such fees.

Prices are subject to change at any time. The price applicable to your order is locked in at the time of checkout completion.

4. Payment Security

Your financial security is our top priority. Here's how we protect your payment information:

• PCI-DSS Compliance: Razorpay is a PCI-DSS Level 1 certified payment processor. Your card details are transmitted directly to Razorpay's secure servers and never stored on our platform.
• SSL Encryption: All payment pages are served over HTTPS with SSL/TLS encryption, ensuring data cannot be intercepted in transit.
• Tokenisation: Card numbers are replaced with unique tokens by Razorpay, so even in the unlikely event of a breach, your actual card details remain protected.
• 3D Secure (OTP): For card payments, additional authentication via your bank's OTP is required in compliance with RBI mandates.
• We never store your CVV, card number, or UPI PIN.

5. Cash on Delivery (COD)

5.1 Availability

COD is available for orders below ₹5,000 at most PIN codes across India. COD availability is shown at checkout based on your delivery PIN code. We reserve the right to restrict or remove COD availability for any PIN code, order value, or customer account at our discretion.

5.2 COD Charges

A ₹29 COD handling fee is charged per order in addition to applicable shipping charges. This fee is non-refundable.

5.3 COD Payment

Payment must be made in full (exact amount) to the delivery personnel at the time of delivery. Our delivery partners do not carry change. Payments must be made in cash; UPI or card payments at doorstep are not available for COD orders.

5.4 COD Abuse

Repeated refusal to accept COD orders, or patterns of COD abuse (placing orders with no intent to pay), may result in your account being restricted from placing future COD orders or from our platform entirely.

6. Failed Payments

6.1 Payment Failure

If your payment fails during checkout (due to network issues, bank declines, insufficient funds, or session timeout), your order will not be placed. You will see an error message and can retry the payment immediately.

6.2 Deducted but Order Not Confirmed

Occasionally, your bank may deduct the payment amount while our system shows the transaction as failed. This is typically a temporary hold that your bank will release automatically within 5–7 business days.

If the amount is not refunded within 7 business days, please contact us at support@itstrend.in with:

• Your bank statement showing the deduction
• The transaction reference number (UTR/RRN)
• Date and approximate time of the transaction

We will investigate with Razorpay and your bank to resolve the issue promptly.

7. Refund Processing

Approved refunds (for returns, cancellations, or failed-payment cases) are processed back to the original payment method:

• UPI / Wallets: 3–5 business days
• Credit / Debit Cards: 5–7 business days (your bank controls the final posting date)
• Net Banking: 3–5 business days
• COD orders: Bank transfer (NEFT/IMPS) within 7–10 business days

Refunds are initiated by us within 2 business days of approval. The time after that depends on your bank or payment provider. You will receive a confirmation email/WhatsApp message when the refund is initiated.

Refunds cannot be redirected to a different account or payment method than the one originally used.

8. Fraud Prevention

We take payment fraud seriously and work with Razorpay's fraud detection systems to protect all parties. We reserve the right to:

• Cancel orders that appear fraudulent or suspicious;
• Require additional identity verification for high-value orders;
• Decline or cancel orders from accounts with a history of chargebacks or disputes;
• Report fraudulent activity to law enforcement authorities.

If we cancel an order due to suspected fraud, a full refund will be issued. If fraud is confirmed, we reserve the right to pursue legal remedies under the IT Act 2000 and other applicable Indian laws.

9. GST & Taxes

ItsTrend.in is a GST-registered business. Applicable GST is included in the displayed product prices. A detailed tax invoice (with GSTIN breakdown) is issued for every order and available for download from your My Orders section.

Current applicable GST rates:

• Apparel (value ≤ ₹999): 5% GST
• Apparel (value > ₹999): 12% GST
• Accessories & other merchandise: 18% GST
• Digital products: 18% GST

GST rates are subject to change as per Government of India notifications. Prices on our platform will be updated to reflect any changes.

10. Payment Disputes & Chargebacks

We strongly encourage you to contact us at support@itstrend.in before initiating a chargeback or payment dispute with your bank. Most issues can be resolved quickly and amicably through direct communication.

Filing a chargeback without first attempting resolution with us may result in:

• Temporary or permanent account suspension;
• Restriction of future payment methods on your account;
• Legal action in cases of fraudulent chargebacks.

For legitimate disputes, we will cooperate fully with your bank's investigation process and provide all required documentation.

11. Contact Us

For any payment-related queries, issues, or concerns:

• Email: support@itstrend.in
• Response time: Within 24 business hours for payment queries
• For urgent payment issues: Please include "PAYMENT URGENT" in your email subject line