Vidhyant Mart — Payment & Payment Security Policy

Effective Date: 24 September 2026

Vidhyant Mart is operated by Vidha Bai and provides products across multiple categories including Grocery & Food, Household Products, Electronics & Appliances, Fashion, Toys, Gadgets, Beauty & Personal Care, and other products available on our website.

Website: vidhyantmart.com
Email: vidhyantmart@gmail.com
Customer Support: 8982963309 / 9981023823

This Payment & Payment Security Policy explains the payment methods available on Vidhyant Mart and how payment-related information is handled.

1. Available Payment Methods

Vidhyant Mart currently accepts online/prepaid payments through the payment gateway available on the website.

Depending on availability, customers may pay using:

• UPI
• Debit Card
• Credit Card
• Net Banking
• Other payment methods made available through the payment gateway

The payment options displayed at checkout may vary depending on the payment provider, customer location, transaction amount, bank, device, or other applicable factors.

2. Payment Gateway

Payments on Vidhyant Mart may be processed through Razorpay or another payment service provider made available by Vidhyant Mart.

When a customer selects an online payment method, the customer may be redirected to or shown a payment interface provided by the applicable payment service provider.

Payment processing is subject to the payment provider's applicable terms, policies, security procedures, and availability.

3. Prepaid Orders

Vidhyant Mart currently operates on a prepaid payment model.

This means that customers are required to successfully complete the applicable online payment before the order can be confirmed for processing.

Cash on Delivery (COD) is currently not available, unless specifically introduced and displayed as an available payment option on the website.

4. Payment Confirmation

An order is considered successfully paid only after Vidhyant Mart receives appropriate confirmation of successful payment from the applicable payment gateway/payment service provider.

A payment attempt that shows:

• Pending
• Failed
• Cancelled
• Declined
• Timed out

may not result in a confirmed order.

Customers should avoid making repeated payments for the same order unless instructed by the website or customer support.

5. Payment Deducted but Order Not Created

In some situations, money may be deducted from the customer's bank account, card, UPI account, or other payment account even though the order is not successfully created.

This may happen because of:

• Bank/payment-provider delay
• Internet connectivity issues
• Payment gateway timeout
• Browser/session interruption
• Technical errors
• Delayed payment confirmation

In such cases, customers should not immediately make another payment.

The transaction may first need to be verified through the payment gateway and/or bank.

If Vidhyant Mart receives the payment but the order cannot be successfully created or fulfilled, the applicable amount may be refunded through the appropriate payment/refund process.

6. Payment Security

Vidhyant Mart takes reasonable measures to protect customer and transaction information.

Payment transactions may be processed through third-party payment providers that use their own security systems and controls.

Vidhyant Mart does not ask customers to share sensitive payment information such as:

• UPI PIN
• ATM PIN
• Internet banking password
• Card PIN
• OTP
• CVV through email, WhatsApp, phone calls, or customer support

Customers should never share these details with anyone claiming to represent Vidhyant Mart.

7. Card Information

When customers make a card payment, card details may be entered through the applicable payment gateway/payment-provider interface.

Vidhyant Mart does not intentionally store customers' complete card number, CVV, card PIN, or other sensitive authentication information in its website database.

Customers should review the applicable payment provider's privacy and security policies for additional information regarding payment processing.

8. Razorpay Payments

Where Razorpay is used as the payment provider, the transaction may be subject to Razorpay's applicable terms, privacy policy, security procedures, and payment-processing processes.

Razorpay may process transaction-related information necessary to facilitate payment, refunds, fraud prevention, dispute handling, and regulatory compliance.

Vidhyant Mart may receive payment-related information necessary to identify and reconcile the transaction, such as:

• Payment status
• Payment ID
• Order ID
• Transaction/reference information
• Payment method
• Amount
• Refund status

Vidhyant Mart does not require customers to provide their UPI PIN, card PIN, CVV, or banking password to customer support.

9. Payment Authorization

Customers are responsible for ensuring that:

• The payment method belongs to them or they are authorized to use it.
• The information entered during payment is accurate.
• They follow their bank/payment provider's authentication process.
• They do not share authentication credentials with others.

Vidhyant Mart may take reasonable measures to verify suspicious or unusual transactions.

10. Failed Payments

If a payment fails, customers may retry the payment using an available payment method.

However, customers should first check whether the previous payment was actually successful before making another payment.

If money has been deducted despite a failed payment status, the customer should contact Vidhyant Mart with the relevant transaction/reference details.

11. Duplicate Payments

If a customer accidentally makes more than one successful payment for the same order, the customer should contact Vidhyant Mart immediately.

The transaction will be reviewed against the payment gateway/order records.

If an additional payment is confirmed as a duplicate and is eligible for refund, the applicable amount will be refunded through the appropriate payment process.

12. Refunds

Approved refunds will generally be processed through the applicable payment/refund mechanism.

Depending on the original payment method, the refund may be credited to:

• Original card
• Original bank account
• Original UPI/payment account
• Other eligible payment method

The actual time taken for the refund to appear in the customer's account depends on the payment gateway, bank, card issuer, UPI provider, payment network, or other financial institution.

For complete refund conditions, customers should refer to the Return & Refund Policy and Cancellation Policy.

13. Payment Disputes

If a customer believes there is an incorrect charge, duplicate charge, unauthorized transaction, or other payment-related issue, the customer should contact Vidhyant Mart as soon as possible.

The customer should provide, where available:

• Order ID
• Payment ID
• Transaction/reference number
• Transaction date
• Amount
• Registered email/mobile number
• Relevant screenshot or payment confirmation

Customers should never send their UPI PIN, card PIN, password, CVV, or OTP as evidence.

14. Unauthorized Transactions

If a customer believes that an unauthorized payment has been made using their bank account, card, UPI account, or other payment method, they should immediately contact their bank/payment provider and follow the provider's security procedures.

The customer may also contact Vidhyant Mart so that the relevant order/payment records can be reviewed.

Vidhyant Mart may cooperate with payment providers, banks, law-enforcement authorities, or other authorized entities where required by applicable law.

15. Payment Fraud Prevention

Vidhyant Mart may use reasonable security and fraud-prevention measures to identify potentially suspicious transactions.

A transaction may be subject to additional verification or may be declined/cancelled where there are reasonable grounds to suspect:

• Unauthorized payment
• Fraudulent activity
• Payment manipulation
• Identity misuse
• Abnormal transaction patterns
• Other security concerns

Where an order is cancelled after successful payment, the applicable refund will be handled according to the relevant circumstances and applicable policies.

16. Third-Party Payment Services

Payment services may be provided by third-party payment gateways, banks, card networks, UPI providers, or other financial service providers.

Vidhyant Mart is not responsible for temporary interruptions, technical failures, processing delays, bank-side failures, or other issues solely caused by third-party payment infrastructure.

However, Vidhyant Mart will make reasonable efforts to assist customers in resolving genuine payment-related issues.

17. Payment Information and Privacy

Payment-related information is handled in accordance with the Vidhyant Mart Privacy Policy.

Vidhyant Mart may retain transaction/order information where reasonably necessary for:

• Order processing
• Refunds
• Accounting
• Customer support
• Fraud prevention
• Dispute resolution
• Legal/regulatory compliance

Sensitive authentication information such as passwords, UPI PINs, card PINs, OTPs, and CVVs should not be provided to Vidhyant Mart through customer support channels.

18. Changes to Payment Methods

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

The payment methods actually displayed at checkout will be the payment methods available for that transaction.

If COD or another payment method is introduced in the future, the applicable terms may be added to this policy.

19. Payment-Related Contact

For payment-related questions or issues:

Vidhyant Mart
Operated by: Vidha Bai

Email: vidhyantmart@gmail.com
Phone/WhatsApp: 89829663309 / 9981023823

Business Address:
Ward 17, Baijnath Dham, Baijnath Road,
Behind Jail, Agar Malwa,
Madhya Pradesh, India

Please include your Order ID and Payment ID/Transaction Reference wherever available.

20. Changes to This Policy

Vidhyant Mart may update this Payment & Payment Security Policy from time to time to reflect changes in:

• Payment methods
• Payment providers
• Website functionality
• Security practices
• Refund processes
• Applicable laws and regulations

The latest version will be published on this page with the revised effective date.

Important: This is a business-use policy draft. Before publication, Vidhyant Mart should ensure that the wording accurately reflects the payment gateway configuration actually enabled on the website and the information collected/stored by the Drupal installation.