At SanKish, we aim to make your shopping experience smooth, secure, and convenient. This Payment Policy outlines the terms and conditions related to transactions made on our website www.sankish.in. By placing an order with us, you agree to the terms stated below.

1. Accepted Payment Methods

We offer a variety of secure payment options to make your checkout process simple and reliable:

Prepaid Payment Options

• UPI (Google Pay, PhonePe, Paytm, etc.)
• Credit Cards (Visa, MasterCard, RuPay, American Express)
• Debit Cards
• Net Banking (via major Indian banks)
• Wallets (Paytm Wallet, PhonePe Wallet, etc.)
• SanKish Wallet (store credits from refunds or gift credits)

Cash on Delivery (COD)

• COD is not available on sankish as of now

2. SanKish Wallet

The SanKish Wallet is a digital store credit account linked to your registered email or phone number. You may receive wallet credits from:

• Approved refunds
• Promotional offers
• Gift credit or loyalty programs

Terms of Use

• Wallet balance is valid for 12 months from the date of credit.
• It can be applied during checkout for partial or full payments.
• Wallet balance is non-refundable, non-transferable, and cannot be withdrawn as cash or to a bank account.

3. Payment Processing

• Orders are processed only after successful payment confirmation for prepaid methods.
• If a payment fails but the amount is deducted, it is typically refunded by your bank within 5–7 working days. If the issue persists, contact us with proof of payment.
• SanKish reserves the right to cancel any order if payment is not received or verified in due time.

4. Payment Security

We take your financial security seriously. All transactions on our platform are processed through secure and PCI-DSS-compliant payment gateways. Sensitive data (like card details) is encrypted and not stored on our servers.

We also use SSL encryption to protect all data transmitted between your browser and our website.

5. Fraud Detection and Order Verification

To ensure security and reduce fraud, some orders may be subject to verification. We may contact you via email or phone to confirm certain details. If we are unable to verify the authenticity of the transaction, the order may be cancelled and the amount refunded to the original source or SanKish Wallet, as applicable.

6. Pricing and Taxes

• All prices on our website are listed in Indian Rupees (INR) and are inclusive of GST (Goods & Services Tax), unless stated otherwise.
• Shipping fees, if applicable, will be displayed at checkout.
• International orders may be subject to customs duties or taxes, which are the sole responsibility of the buyer.

7. Disputes and Chargebacks

If you believe there was an unauthorized charge or error in billing, please contact us first at support@sankish.in. Raising a chargeback without attempting to resolve the issue directly with us may result in suspension of your account or blocking of future orders.

8. Contact Us

For any payment-related queries, please reach out to:

📧 Email: support@sankish.in
📞 WhatsApp: +91 9123456789