PAYMENT GATEWAY & BILLING

Payment, Billing & Gateway Security Policy

📅 Last Revised: October 2026 🔒 256-Bit SSL Encrypted 🛡️ Razorpay Verified Gateway ⚖️ GDPR & Indian DPDP Act Compliant

At Konica Khurana, we prioritize the utmost security, transparency, and seamless convenience for all financial transactions on our platform. This Payment and Billing Policy details our authorized payment gateways, accepted payment methods, encryption standards, and billing practices.

🔒 100% Secure & Certified Razorpay Processing All payments on konicakhurana.com are processed through Razorpay, India’s leading RBI-authorized payment aggregator, featuring bank-grade 256-Bit SSL encryption and PCI-DSS Level 1 certification.

1. Authorized Payment Aggregator

All online payments on this website are securely collected through Razorpay Software Private Limited. When you proceed to checkout, you are connected directly to Razorpay’s encrypted payment infrastructure. We never store, handle, or possess your sensitive payment credentials (credit/debit card numbers, CVV codes, UPI MPINs, or net banking passwords) on our servers.

2. Supported Payment Methods

We provide a comprehensive suite of digital payment solutions to accommodate clients across India and globally:

UPI (Unified Payments Interface): Instant zero-surcharge payments via Google Pay, PhonePe, Paytm, BHIM, Amazon Pay, Cred UPI, and any bank UPI app.
Credit & Debit Cards: All major Indian and international cards including Visa, MasterCard, RuPay, Maestro, American Express, and Diners Club.
Net Banking: Direct authenticated online banking across 50+ leading Indian banks (HDFC, ICICI, State Bank of India, Axis Bank, Kotak Mahindra, Punjab National Bank, etc.).
Digital Wallets: Paytm Wallet, Mobikwik, Freecharge, Airtel Money, and JioMoney.
International Payments: Multi-currency processing supported for clients in USA, UK, Canada, UAE, Australia, and Europe via international credit and debit cards with 3D Secure authentication.

3. Payment Security & Encryption Standards

PCI-DSS Level 1 Compliance: Razorpay is certified at the highest compliance tier set by the Payment Card Industry Security Standards Council.
256-Bit SSL/TLS Encryption: Every byte of financial and account data transmitted between your browser and our checkout gateway is encrypted with end-to-end SSL technology.
Two-Factor Authentication (2FA): All card transactions require 3D Secure OTP verification from your issuing bank, eliminating unauthorized card usage.

4. Transparent Billing & Invoicing

Currency: Default prices are listed in Indian Rupees (INR). International cardholders will see the exact converted amount in their home currency as processed by their issuing bank.
Tax Invoices: Applicable Goods and Services Tax (GST) is itemized transparently on the checkout summary. A digital tax invoice and payment receipt is generated automatically and sent to your registered email immediately upon payment.
No Hidden Fees: The total price displayed on the checkout confirmation is the final amount you pay. We do not apply unexpected checkout surcharges.

5. Failed Transactions & Automated Reconciliation

In rare instances of network drops, bank server timeouts, or interrupted sessions, money may be deducted from your account while the order confirmation fails to generate. Please rest assured:

🔄 Automated Bank Reversal Process If funds are debited but no Order ID is generated, the banking system marks the transaction as uncaptured. Razorpay’s automated reconciliation system will automatically initiate a reversal, and the amount will be credited back to your original source account within 3 to 5 banking business days.

If you need immediate verification, simply email info@konicakhurana.com with your transaction reference number and bank debit screenshot, and our billing desk will verify it promptly.

6. Chargebacks & Dispute Resolution

We encourage clients to reach out to our dedicated support desk before initiating any chargeback or payment dispute with their bank. Most billing inquiries, duplicate charges, or scheduling adjustments are resolved amicably within 24 business hours.