Shop Zone

Payment Policy

Payment Policy

Last Updated: October 2, 2026

At Shopzone, operated by KIYA ENTERPRISE, we aim to provide a secure, convenient, and transparent payment experience for every customer.

This Payment Policy explains the payment methods, transaction processing, payment security, failed transactions, and refund procedures applicable to purchases made through Shopzone.

1. Accepted Payment Methods

Shopzone may offer the following payment options at checkout, depending on availability, order eligibility, and delivery location:

UPI

Customers may be able to pay using UPI services such as:

  • Google Pay

  • PhonePe

  • Paytm

  • BHIM

  • Other supported UPI applications

Credit & Debit Cards

Supported cards may include:

  • Visa

  • Mastercard

  • RuPay

  • American Express

  • Other cards supported by our payment gateway

Net Banking

Net banking may be available through participating banks supported by our payment gateway.

Cash on Delivery

Cash on Delivery (COD) may be available for eligible orders and serviceable PIN codes.

Payment options displayed at checkout are the payment methods currently available for your particular order.

2. Secure Online Payments

We take reasonable measures to protect payment and transaction information.

Online payments are processed through third-party payment gateways and financial service providers that use industry-standard security measures.

Shopzone does not require customers to share sensitive credentials such as:

  • UPI PIN

  • ATM PIN

  • Internet banking password

  • Card PIN

  • One-time passwords (OTP)

Never share your OTP, UPI PIN, card PIN, CVV, or banking password with anyone claiming to represent Shopzone.

Payment processing may involve security and compliance standards maintained by the relevant payment service provider.

3. Payment Gateway Processing

Payments made through Shopzone may be processed by third-party payment gateways or financial institutions.

When you select a payment method at checkout:

  1. You are redirected to or connected with the applicable payment service.

  2. The payment provider securely processes the transaction.

  3. Shopzone receives the applicable transaction status.

  4. Your order is confirmed after successful payment verification.

The availability of a particular payment method may vary based on the payment gateway, transaction value, customer location, bank, or other eligibility conditions.

4. Pricing and Taxes

All product prices displayed on Shopzone are shown in Indian Rupees (INR) unless otherwise stated.

Applicable taxes, shipping charges, discounts, and other payable amounts will be displayed during the checkout process where applicable.

The final amount payable is the amount shown to you before you complete your order.

We aim to display pricing and applicable charges clearly and transparently.

5. Payment Confirmation

After successfully placing an order, you may receive an order confirmation through the contact details provided during checkout.

An order confirmation may include:

  • Order number

  • Product details

  • Quantity

  • Order value

  • Payment status

  • Delivery information

If payment has been completed but an order confirmation is not received, please contact our support team with your transaction reference or payment details.

6. Failed or Pending Payments

Sometimes a payment may fail or remain pending because of:

  • Bank server issues

  • Payment gateway delays

  • Internet or network problems

  • Incorrect payment information

  • Bank restrictions

  • Payment authorization failure

  • Transaction timeout

  • Other technical issues

If your payment fails, please check your bank or payment provider before attempting the transaction again.

Amount Debited but Order Not Confirmed

If money has been deducted from your account but your Shopzone order has not been confirmed:

  1. Do not immediately make repeated payments.

  2. Check your bank/payment application for the transaction status.

  3. Keep your transaction reference, UTR, or payment ID.

  4. Contact Shopzone customer support if the order remains unconfirmed.

If the payment is unsuccessful but the amount has been debited, the amount may be automatically reversed by the bank or payment provider according to its applicable processing timeline.

7. Duplicate Payments

If you believe that you have accidentally paid for the same order more than once, please contact us immediately.

Please provide:

  • Order ID

  • Transaction ID/UTR

  • Payment date and time

  • Amount paid

  • Screenshot or payment confirmation, if available

After verification, any confirmed duplicate payment will be handled through the applicable refund process.

8. Cash on Delivery (COD)

Where COD is available, customers may pay for the eligible order at the time of delivery.

COD availability may depend on:

  • Delivery PIN code

  • Product eligibility

  • Order value

  • Courier serviceability

  • Previous order history

  • Other operational conditions

Shopzone may contact customers to verify COD orders before dispatch.

For COD orders, customers should pay only the amount communicated through the official order or delivery process.

9. Payment Verification

For security and fraud-prevention purposes, Shopzone may verify certain orders before processing or dispatch.

Verification may include confirming:

  • Customer name

  • Mobile number

  • Delivery address

  • Order details

  • Payment information/status

If an order cannot be reasonably verified, Shopzone may cancel or hold the order in accordance with its applicable policies.

10. Refunds for Prepaid Orders

When a refund is approved, the refund will generally be processed through the original payment method or another appropriate payment channel, depending on the circumstances.

For example:

  • Card payment → applicable card/payment channel

  • UPI payment → applicable UPI/payment channel

  • Net banking → applicable banking/payment channel

The time taken for the refunded amount to appear in the customer's account may depend on the payment gateway, bank, card issuer, or financial institution.

For detailed eligibility and return conditions, please refer to our Return & Refund Policy.

11. Refunds for COD Orders

For eligible COD refunds, Shopzone may request verified payment details such as:

  • Bank account details

  • IFSC code

  • UPI ID

Customers should provide payment information only through official Shopzone customer-support channels.

Refunds will be processed only after the applicable return, cancellation, or refund request has been reviewed and approved.

12. Payment Information Security

Shopzone takes reasonable precautions to protect customer information.

However, customers should also take precautions when making online payments.

Shopzone will never ask customers to disclose:

  • UPI PIN

  • ATM PIN

  • Banking password

  • Card PIN

  • OTP for unrelated purposes

If you receive a suspicious payment request claiming to be from Shopzone, please contact our official support team before making any payment.

13. Unauthorized or Suspicious Transactions

Shopzone may investigate transactions that appear suspicious, fraudulent, unauthorized, or inconsistent with normal purchasing activity.

Where appropriate, an order may be delayed, cancelled, or subjected to additional verification.

This is intended to protect both customers and the business from payment fraud and unauthorized transactions.

14. Order Cancellation and Payment

If an order is successfully cancelled before dispatch and is eligible for a refund, the applicable refund will be processed according to our Cancellation Policy and Return & Refund Policy.

Once an order has entered the dispatch process, cancellation may no longer be available.

15. Payment Disputes

If you believe there is an issue with a payment, please contact Shopzone customer support first with the relevant transaction information.

We will review the available order and payment records and assist you with the appropriate next steps.

16. Third-Party Payment Services

Shopzone may use third-party payment gateways, banks, financial institutions, and payment service providers.

Transactions processed by these providers may also be subject to their respective terms, conditions, privacy policies, and processing rules.

Shopzone is not responsible for delays caused solely by a bank, card issuer, payment gateway, or other third-party financial service provider.

17. Customer Support

For payment-related assistance, please contact us:

Shopzone
Legal Business Name: KIYA ENTERPRISE
GSTIN: 24CNOPA8523R1ZF

Registered Address:
1st Floor, Shop No. 1008, International Fashion Market (IFM),
Opp. Sagun Avenue, Near Sita Nagar, Punagam,
Surat, Gujarat – 395010, India

Phone: +91 9106411999
Email: info@shopzone.co.in
Support Hours: Monday – Saturday | 09:00 AM – 06:00 PM IST

When contacting us about a payment issue, please keep your Order ID and transaction reference/UTR number available.

18. Related Policies

For more information, please refer to our:

  • Cancellation Policy

  • Return & Refund Policy

  • Shipping Policy

  • Privacy Policy

  • Terms of Service

19. Policy Updates

Shopzone may update this Payment Policy from time to time to reflect changes in payment methods, payment providers, business practices, or applicable laws and regulations.

Any revised version will be published on this page with an updated Last Updated date.

Shopzone
Operated by KIYA ENTERPRISE

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