Last Updated: 17/11/25 Thank you for shopping with NIVYATHA. This Payment Policy explains the payment methods, security practices, and billing guidelines followed on www.nivyatha.com.
We accept the following secure payment options: ✔ UPI (PhonePe / Google Pay / PayTM UPI / BHIM) ✔ Debit Card (Visa / Mastercard / RuPay) ✔ Credit Card (Visa / Mastercard / Amex) ✔ Net Banking (All major Indian banks) ✔ Wallets (As enabled by our payment gateway) Cash on Delivery (COD) — May be introduced soon (if applicable).
Your payments are processed through trusted and certified payment gateways. ✔ 128-bit SSL Encryption ✔ PCI-DSS compliant gateway ✔ No financial details stored by NIVYATHA Your card, UPI, or bank data is never stored on our servers.
Once your payment is successfully completed: 📩 You receive an Order ID & Payment Confirmation via: Email SMS If payment fails but amount is deducted, it is automatically refunded by the payment gateway (see section 6).
All prices on the website are displayed in Indian Rupees (INR). Prices include/exclude taxes as mentioned on product page. NIVYATHA reserves the right to update product prices at any time. Shipping charges (if any) will be displayed at checkout.
If your transaction fails but money is deducted: 🔄 The amount is usually reversed within 3–7 business days by your bank. If not, contact your bank or payment provider with the Transaction ID. NIVYATHA does not control refund timelines for failed payments as they are processed directly by banks/payment gateways
If your order is: ✔ Cancelled before shipping ✔ Returned due to damage or wrong product (approved cases only) Refund will be issued via: UPI Bank Transfer Original payment method (if enabled) Refund processing time: 2–5 business days after approval.
If enabled by our payment gateway, you may see: EMI options Pay Later (Simpl, PayTM Postpaid, etc.) Availability depends on eligibility set by the payment provider.
NIVYATHA reserves the right to: ❌ Cancel orders suspected of fraud ❌ Block users involved in payment scams ❌ Request KYC verification in high-value or suspicious transactions
A digital invoice is automatically sent to your email after successful order placement. You can also download invoices from your account under Order History. ---
For any payment-related assistance: 📧 Email: info@nivyatha.com 🌐 www.nivyatha.com 🕒 Support Hours: Mon–Sat | 10 AM – 6 PM
