Payment Policy

Ways to pay

• Online payment through our payment partner, Razorpay: UPI, credit and debit cards (Visa, Mastercard, RuPay), net banking, wallets and, where shown, EMI. The options you see at checkout are the ones available for your order.
• Cash on delivery (COD) for eligible orders and pincodes. COD may be limited by order value or location, and a COD handling fee may apply; both are shown at checkout.

We may add or remove a method from time to time; we will not change the method on an order you have already paid for.

Prices, GST and invoices

• All prices are in Indian rupees (INR) and include GST. The amount you see at the final step of checkout is the amount you pay, including any delivery or COD fee and after any coupon.
• A GST tax invoice is generated for every order and available from your account or by e-mail. For a GST invoice in your business name, add your GSTIN before you place the order; we cannot change it afterwards.
• Our GSTIN is 27ACEPJ3716G1ZT.

How your payment is protected

Online payments are processed on Razorpay's secure, PCI-DSS compliant systems. We never see or store your full card number, CVV, UPI PIN or net banking password. We receive only a confirmation of success or failure, a payment reference and the amount. Please do not share OTPs, PINs or card details with anyone claiming to be from OyeKudiye; we will never ask for them.

When your order is confirmed

A prepaid order is confirmed when the payment is successfully received and verified. A COD order is confirmed when we accept it and, where needed, verify your phone number. We may hold an order for a short time while a prepaid payment completes; if it does not complete, the order lapses and the items go back on sale.

Failed or double payments

• Money debited but no order confirmation: this usually means the bank or payment network is still confirming. Please wait for 30 minutes before paying again. If the payment fails or cannot be matched to an order, the amount is normally reversed automatically to your account within 5 to 7 business days.
• Paid twice for one order: we refund the extra payment to the original method once we find it, normally within 5 to 7 business days of your reporting it.
• If the refund has not arrived after 7 business days: write to [email protected] with your order number, the date and time, the amount, and the payment or UTR reference (a screenshot of the debit message is perfect). We will check with the gateway and reply within 2 business days. Your bank can also raise the matter using the reference.

Refunds

Refunds go back to the same payment method you used, normally within 5 to 7 business days after the cancellation, quality check or confirmation that triggers the refund. Cash on delivery refunds are sent by bank transfer or UPI to details you give us. Timelines for each case are set out in the Cancellation Policy and Returns and Refunds Policy. Banks and card networks sometimes need a few extra days to credit the amount; that is outside our control, but we will give you the reference to follow up.

Cash on delivery rules

• Pay the exact amount in cash, or by UPI to the courier where offered, at delivery. Please check the parcel is sealed before paying.
• We may ask you to confirm a COD order by OTP or call before dispatch, and may decline COD for particular orders, pincodes or accounts. If a COD order is refused without a valid reason a second time, COD is blocked on that account and online payment is required (see the Cancellation Policy).
• Do not pay the courier more than the amount on your order.

Fraud prevention

To protect you and us, our payment partner and we may run automated checks on orders. We may hold, verify or cancel an order that looks suspicious, for example because of a mismatch in details, an unusual pattern, or a payment flagged by your bank. We will contact you, and refund any amount charged in full if we cancel.

Chargebacks and disputes

If you do not recognise a charge or are unhappy with an order, please talk to us first; we can usually fix it faster than a bank dispute. If you do raise a chargeback with your bank, we will give the bank our records. Where a chargeback is raised for an order we have already delivered as described, we may seek to recover it as the law allows.

Coupons, gift codes and store credit

Coupons and gift codes follow the conditions shown with them and the Terms. They have no cash value, cannot be redeemed for money except where the law requires, and are adjusted if an order is partly cancelled or returned. Store credit is added to your account and can be used on a later order within its stated validity.