Payment Policy

We aim to provide customers with a secure, transparent, and convenient payment experience when purchasing products through bonusclothes.shop. This Payment Policy explains the payment methods, transaction processing, payment confirmation, failed transactions, refunds, payment security, and other payment-related matters applicable to purchases made through our website.

By placing an order and completing payment through bonusclothes.shop, you acknowledge and agree to the terms outlined in this policy.

1. Business Information

Brand / Trade Name: bonusclothes
Legal Name: LAKUM KARTIK RATILAL
Business Constitution: Proprietorship
GST Registration Type: Regular
GSTIN: 24FPCPR3536G1ZV
Business Address: Plotvistar, Chamardi, Bhavnagar, Gujarat – 364310, India
Website: bonusclothes.shop
Email: bonusclothes.shop@outlook.in
Phone: +91 9725178981

2. Online Payment

Orders placed through bonusclothes.shop may be processed through the payment methods and payment-processing services made available on the website at the time of checkout.

The payment options displayed to a customer may depend on:

  • Payment provider availability
  • Customer's device or browser
  • Transaction amount
  • Payment method
  • Bank or financial institution
  • Technical availability
  • Applicable transaction restrictions
  • Other operational factors

Customers should review the available payment options displayed during checkout before completing an order.

3. Payment Methods

Depending on availability at the time of purchase, customers may be able to use payment methods such as:

  • UPI
  • Debit Cards
  • Credit Cards
  • Net Banking
  • Supported Digital Payment Methods
  • Other payment methods made available through the applicable payment service provider

The exact payment methods available to a customer will be displayed on the checkout/payment page.

We do not represent that every payment method will be available for every transaction.

4. Payment Gateway Processing

Payments may be processed through third-party payment gateways or payment service providers integrated with our website.

When a customer selects a payment method, the payment may be processed on or through the infrastructure of the applicable payment provider.

The payment provider may independently handle:

  • Payment authentication
  • Transaction authorisation
  • Fraud checks
  • Payment processing
  • Transaction status
  • Payment confirmation
  • Refund processing

Customers may also be subject to the applicable terms and privacy practices of the payment provider.

5. Secure Payment Processing

We take reasonable measures to support secure online transactions.

Payment information may be transmitted through secured payment infrastructure operated by the applicable payment provider.

bonusclothes does not ask customers to provide their UPI PIN, ATM PIN, CVV, card PIN, banking password, or OTP to our customer-support team for the purpose of manually completing a payment or processing a legitimate refund.

Customers should complete payments only through the payment interface presented during the official checkout process.

6. Order Amount

The amount payable for an order will be displayed before the customer confirms payment.

The final amount may include, where applicable:

  • Product price
  • Applicable taxes
  • Applicable discounts
  • Promotional adjustments
  • Shipping charges, where applicable
  • Other charges clearly disclosed during checkout

Customers should carefully review the final order summary before completing payment.

7. Product Prices

Product prices displayed on bonusclothes.shop may be changed from time to time.

Prices may vary because of:

  • Promotional campaigns
  • Discounts
  • Product updates
  • Inventory changes
  • Pricing adjustments
  • Technical corrections
  • Applicable taxes or other lawful changes

The applicable price for an order will generally be the price displayed to the customer at the time the order is successfully placed, subject to legitimate correction of material errors or other circumstances described in our Terms & Conditions.

8. Discounts and Promotional Offers

Where discounts, promotional codes, bundle offers, or other promotional benefits are available, the applicable terms may be displayed on the website or during checkout.

Customers should verify that the expected discount or promotional price has been applied before completing payment.

Unless otherwise stated, promotional offers may be subject to:

  • Eligibility conditions
  • Minimum order requirements
  • Product restrictions
  • Validity periods
  • Quantity limitations
  • Stock availability
  • Other promotional terms

9. Payment Confirmation

After a successful payment, an order confirmation may be generated based on the transaction status received from the applicable payment provider.

Customers should retain:

  • Order number
  • Payment confirmation
  • Transaction/reference number
  • Order confirmation communication
  • Other relevant payment records

These details may be required if the customer contacts us regarding a payment issue.

10. Payment Pending

Sometimes a payment may remain in a pending state even though the customer has initiated the transaction.

This can occur because of:

  • Bank processing delays
  • Payment gateway delays
  • UPI processing delays
  • Network interruptions
  • Temporary technical issues
  • Additional payment verification
  • Other financial-system delays

Customers should avoid immediately placing another order if the first transaction appears pending, particularly where money has already been debited.

Customers may contact our support team with the relevant transaction information so that the payment status can be reviewed.

11. Payment Failed

A payment may fail for reasons including:

  • Insufficient funds
  • Incorrect payment details
  • Bank restrictions
  • Payment method restrictions
  • Transaction limits
  • Authentication failure
  • UPI or banking service interruption
  • Payment gateway technical issues
  • Security or fraud checks
  • Network problems
  • Card issuer restrictions

If a payment fails and the customer's account has nevertheless been debited, the customer should retain the transaction reference and contact us if the amount is not automatically reversed within the applicable processing period.

12. Amount Debited but Order Not Confirmed

If money has been debited from a customer's account but the order has not been confirmed, customers should not assume that a second payment is immediately required.

Please first verify:

  • Order confirmation email or message
  • Order history, where available
  • Bank/UPI transaction status
  • Payment reference number

If the order remains unconfirmed, contact:

Email: bonusclothes.shop@outlook.in
Phone: +91 9725178981

Please provide the relevant transaction details so that the payment can be investigated.

13. Duplicate Payments

If a customer accidentally completes more than one payment for the same order, the customer should contact us promptly.

We may verify:

  • Order number
  • Transaction/reference number
  • Transaction amount
  • Date and time of payment
  • Payment status

If a duplicate payment is successfully verified, the applicable excess amount may be considered for refund through the appropriate payment channel.

14. Payment Reconciliation

Payment information received from the applicable payment provider may be reconciled against order information.

Where there is a discrepancy between:

  • Payment status
  • Order status
  • Transaction reference
  • Amount received

we may need to verify the transaction before confirming, cancelling, fulfilling, or refunding an order.

This process helps reduce the risk of duplicate orders, incorrect payment allocation, and fraudulent transactions.

15. Payment Verification

For security and fraud-prevention purposes, certain transactions may be subject to additional verification.

Verification may be required where there is a reasonable concern regarding:

  • Transaction authenticity
  • Payment mismatch
  • Unusual transaction activity
  • Multiple transactions
  • Order information
  • Payment-provider security checks

Where a transaction cannot reasonably be verified, the order may be delayed, restricted, or cancelled in accordance with our Terms & Conditions.

16. Failed or Reversed Transactions

If a payment is declined, reversed, or otherwise unsuccessful, the order may not be treated as successfully paid unless the payment status is subsequently confirmed.

Customers should not rely solely on a bank debit notification when determining whether an order has been successfully confirmed.

The final payment status may depend on confirmation received from the applicable payment provider.

17. Refunds

Where a refund is approved under our Return & Refund Policy, Cancellation Policy, or other applicable terms, the refund will generally be processed through the original payment method where reasonably possible.

Refund processing may involve third-party payment providers and financial institutions.

The time required for the refunded amount to appear in the customer's account may therefore vary.

18. Refund Processing Time

Once a refund has been initiated, the actual time for the amount to be credited may depend on:

  • Payment gateway
  • Bank
  • Card issuer
  • UPI provider
  • Payment method
  • Financial institution
  • Other applicable payment-processing systems

bonusclothes does not control the internal processing time of external financial institutions.

If a refund has been initiated but is not visible after the applicable processing period, customers may contact us with the order number and refund details.

19. Refund to Original Payment Method

Where technically and operationally possible, approved refunds will generally be sent to the payment method originally used for the transaction.

This may help maintain proper transaction records and reduce the risk of unauthorised refund activity.

In circumstances where the original payment route is unavailable or another legally permissible method is required, an alternative refund method may be considered where appropriate.

20. Cancellation-Related Payments

If an order is successfully cancelled before fulfilment and payment has already been received, any applicable refund will be processed according to our Cancellation Policy and Return & Refund Policy.

Cancellation does not automatically guarantee a refund until the order and payment status have been verified.

21. Return-Related Payments

Where a product is returned and the return is approved, the applicable refund will be handled according to our Return & Refund Policy.

Refund calculations may be affected by:

  • Returned items
  • Promotional discounts
  • Bundle offers
  • Partial returns
  • Applicable shipping charges
  • Other order-level adjustments

Customers should review the Return & Refund Policy for complete information.

22. Promotional Orders and Refund Calculations

Where an order was placed under a promotional offer, refund calculations may differ from the simple individual product price.

For example, if a promotional offer requires multiple products to qualify for a discount, returning only part of the qualifying order may affect the promotional benefit.

The applicable refund amount may therefore be recalculated based on the terms of the relevant promotion.

23. Taxes and Invoices

Where applicable, taxes included in an order will be reflected in the relevant order or invoice information.

Customers may receive an order confirmation or invoice containing applicable transaction information.

Customers should retain invoices and payment records for their own records, accounting, warranty, return, refund, or other legitimate purposes.

24. Payment and Order Acceptance

Successful payment does not necessarily prevent an order from being reviewed for legitimate operational, security, inventory, technical, or compliance reasons.

If an order cannot reasonably be fulfilled, the order may be cancelled in accordance with our Terms & Conditions.

Where payment has already been received for an order that is cancelled by us, the applicable amount will be considered for refund according to the circumstances and applicable requirements.

25. Payment Security & Fraud Prevention

We may use reasonable security and fraud-prevention measures to protect customers and the business.

These measures may include:

  • Payment verification
  • Transaction monitoring
  • Payment gateway security checks
  • Order/payment reconciliation
  • Suspicious transaction review
  • Prevention of duplicate transactions
  • Other reasonable security procedures

Orders may be delayed or cancelled where there are reasonable grounds to believe that a transaction may be unauthorised, fraudulent, or otherwise unsafe.

26. Customer Responsibility

Customers are responsible for:

  • Entering accurate payment information.
  • Using a payment method they are authorised to use.
  • Maintaining sufficient funds or credit.
  • Completing applicable authentication requirements.
  • Reviewing the final order amount before payment.
  • Keeping transaction references and order records.
  • Using only the official website and payment interface.
  • Protecting their banking and payment credentials.

Customers should never allow another person to use their payment credentials without proper authorisation.

27. No Request for Confidential Banking Credentials

bonusclothes will never require a customer to disclose confidential banking credentials to process a legitimate order or refund.

Do not provide the following to anyone claiming to represent bonusclothes:

  • OTP
  • UPI PIN
  • ATM PIN
  • Card PIN
  • CVV
  • Net-banking password
  • Banking login credentials
  • Full payment-card security information

If you receive a suspicious payment-related communication, contact us using the official details published on bonusclothes.shop.

28. Payment Disputes

If a customer believes there is an error involving a payment, the customer should first contact our support team so that we can review the transaction.

Please provide:

  • Order number
  • Transaction/reference number
  • Payment date
  • Amount paid
  • Payment method
  • Description of the issue
  • Relevant payment confirmation, where available

We will make reasonable efforts to investigate legitimate payment concerns and provide an appropriate response.

29. Chargebacks and Payment Disputes

Customers are encouraged to contact bonusclothes before initiating a payment dispute or chargeback where the issue can reasonably be resolved through customer support.

This allows us an opportunity to investigate matters such as:

  • Duplicate payments
  • Failed transactions
  • Refund delays
  • Order-status discrepancies
  • Delivery-related issues
  • Cancellation concerns
  • Other legitimate payment disputes

Nothing in this section is intended to restrict any rights available to customers under applicable law or payment-network rules.

30. Third-Party Payment Providers

Payment transactions may be subject to the terms, conditions, privacy policies, security procedures, and operating rules of the applicable payment provider.

We are not responsible for independent technical failures within the infrastructure of a third-party bank, card network, UPI service, payment gateway, or other financial institution, although we will make reasonable efforts to assist customers in resolving payment-related issues.

31. Changes to Payment Methods

We may add, remove, suspend, or modify available payment methods from time to time.

Payment availability may change because of:

  • Payment-provider availability
  • Technical requirements
  • Security considerations
  • Banking or network conditions
  • Business requirements
  • Regulatory requirements
  • Other legitimate operational reasons

The payment methods available at checkout will represent the options currently supported for that transaction.

32. Policy Updates

We may update this Payment Policy from time to time to reflect changes in:

  • Payment methods
  • Payment providers
  • Website functionality
  • Security procedures
  • Refund processes
  • Business operations
  • Legal or regulatory requirements

The updated policy will be published on bonusclothes.shop with the applicable effective date.

33. Applicable Law

This Payment Policy should be read together with our:

  • Terms & Conditions
  • Privacy Policy
  • Shipping & Delivery Policy
  • Return & Refund Policy
  • Cancellation Policy
  • Other applicable website policies

Nothing in this policy is intended to exclude or restrict any rights or remedies that cannot legally be excluded or restricted under applicable law.

Where a mandatory legal requirement conflicts with this policy, the applicable legal requirement will prevail to the extent of that conflict.

34. Customer Acknowledgement

By completing a payment through bonusclothes.shop, the customer acknowledges that:

  • Payment availability may vary by transaction.
  • Payments may be processed through third-party payment providers.
  • Payment confirmation depends on successful transaction verification.
  • A pending or failed transaction may require additional processing time.
  • Customers should retain payment and order references.
  • Duplicate or incorrectly processed payments should be reported promptly.
  • Approved refunds may be processed through the original payment method where possible.
  • Bank and payment-provider processing times may vary.
  • Promotional offers may affect refund calculations.
  • Customers should never share confidential banking credentials with anyone claiming to process a refund or payment.
  • Payment-related concerns can be raised through the official customer-support channels.

We aim to maintain a secure, transparent, and professionally managed payment process for customers purchasing through bonusclothes.shop.

Contact Information

bonusclothes
Legal Name: LAKUM KARTIK RATILAL
Business Constitution: Proprietorship
GSTIN: 24FPCPR3536G1ZV
Business Address: Plotvistar, Chamardi, Bhavnagar, Gujarat – 364310, India
Email: bonusclothes.shop@outlook.in
Phone: +91 9725178981
Website: bonusclothes.shop