Payment Policy

1. Accepted Payment Methods

New Era Adhesive and Sealants Pvt Ltd accept the following payment methods:

1.1 Online Payment Options

• Credit Cards: Visa, MasterCard, American Express, Diners Club, RuPay
• Debit Cards: All major Indian and international debit cards
• UPI: Google Pay, PhonePe, Paytm, BHIM, and other UPI apps
• Digital Wallets: Paytm Wallet, Mobikwik, Amazon Pay, PhonePe Wallet

2. Payment Processing

2.1 Security

• All online transactions are processed through secure, PCI-DSS compliant payment gateways
• We use SSL encryption to protect your payment information
• We do not store complete credit/debit card details on our servers
• Card details are tokenized and securely stored by payment partners

2.2 Payment Authorization

• Payment authorization is obtained before order processing
• Your bank may send OTP or use 3D Secure authentication
• Multiple failed payment attempts may temporarily block transactions
• Authorization holds may appear on your account pending transaction completion

2.3 Currency

• All prices are listed in Indian Rupees (INR)
• International card payments will be converted by your card issuer at prevailing exchange rates
• Additional currency conversion charges may apply from your bank

3. Pricing and Charges

3.1 Product Pricing

• All prices displayed include applicable taxes unless otherwise stated
• GST/other taxes will be clearly mentioned on the invoice
• Prices are subject to change without prior notice
• The price at the time of order confirmation will be honored

3.2 Additional Charges

• Shipping Charges: As displayed at checkout based on location and order value

3.3 Discounts and Offers

• Promotional codes and discounts are subject to terms and conditions
• Only one promotional code can be applied per order unless specified
• Discounts cannot be combined unless explicitly stated
• We reserve the right to cancel orders if promotional codes are misused

4. Payment Confirmation

4.1 Confirmation Process

• Payment confirmation is sent via email and SMS
• Order processing begins only after successful payment verification
• In case of payment failure, amount will be refunded as per our refund policy

4.2 Order Invoice

• Invoice will include all applicable taxes and charges
• Physical invoice copy will be included with the shipment
• Duplicate invoices can be requested through customer support

5. Payment Issues

5.1 Failed Transactions

• If payment is deducted but order fails, refund will be processed within 5-7 business days
• Contact your bank for authorization failures
• Check card limits, available balance, and validity before retrying
• Contact our customer support if issues persist

5.2 Declined Payments

• Payments may be declined due to insufficient funds, card limits, or bank restrictions
• Verify payment details and retry
• Contact your bank for specific decline reasons
• Try alternative payment methods if issue persists

5.3 Double Debit

• If amount is deducted multiple times for single order, contact us immediately
• One amount will be processed; others will be refunded within 7-10 business days
• Provide transaction IDs for all deductions for faster resolution

6. Payment Disputes

6.1 Reporting Disputes

• Report unauthorized transactions immediately to customer support
• Provide order details, transaction ID, and payment proof
• We will investigate and respond within 48 hours
• Cooperate with investigation by providing necessary information

6.2 Chargeback

• Initiate chargebacks only after attempting resolution with us
• Unjustified chargebacks may result in account suspension
• We reserve the right to dispute illegitimate chargebacks
• Provide evidence of issue before initiating chargeback

7. Fraudulent Transactions

We employ fraud detection measures and reserve the right to:

• Cancel orders suspected of fraud
• Request additional verification documents
• Report fraudulent activities to authorities
• Block accounts involved in fraudulent transactions

8. Contact for Payment Issues