Accepted Payment Methods

We accept a variety of secure payment methods for your convenience:

Payment Currency

All prices on our website are displayed in Indian Rupees (INR) by default. For international customers:

• Prices can be viewed in multiple currencies
• Currency conversion is done at current exchange rates
• Final amount charged may vary slightly due to exchange rate fluctuations
• Your bank may charge additional currency conversion fees

Payment Processing

Order Confirmation

When you place an order:

• Payment is authorized immediately
• Order confirmation email is sent within minutes
• Payment is captured only when order is dispatched
• If order is cancelled, authorization is released

Payment Verification

For security purposes, we may verify payments by:

• Requesting additional identification documents
• Contacting you via phone or email
• Verifying billing address with card issuer
• Checking for suspicious transaction patterns

Orders may be held until verification is complete.

Payment Security

We take payment security seriously and implement multiple layers of protection:

Encryption

• All payment data is encrypted using SSL/TLS technology
• We use 256-bit encryption for data transmission
• Payment information is never stored on our servers
• PCI DSS compliant payment gateway

Fraud Prevention

• Advanced fraud detection systems
• Real-time transaction monitoring
• 3D Secure authentication for card payments
• Address verification system (AVS)

Your Responsibility

To ensure secure transactions:

• Never share your password or OTP with anyone
• Use secure internet connections for payments
• Keep your payment information confidential
• Report suspicious activity immediately

Payment Failures

If your payment fails, it may be due to:

• Insufficient funds in your account
• Incorrect card details or CVV
• Card expired or blocked
• Bank declining the transaction
• Daily transaction limit exceeded
• Technical issues with payment gateway

What to Do

• Verify your payment details are correct
• Check with your bank for any restrictions
• Try a different payment method
• Contact our customer support for assistance

Pricing and Taxes

Product Pricing

• All prices include applicable taxes (GST for India)
• Prices are subject to change without notice
• Promotional prices are valid for limited periods
• Pricing errors will be corrected before order confirmation

Additional Charges

The following may apply to your order:

• Shipping charges (free for domestic orders)
• International shipping fees
• Customs duties and import taxes (international orders)
• Gift wrapping charges (if selected)

Refunds and Chargebacks

Refund Processing

When a refund is issued:

• Refund is processed to original payment method
• Processing time: 24-48 hours after approval
• Credit to account: 5-10 business days
• Refund confirmation sent via email

Chargebacks

If you initiate a chargeback with your bank:

• Contact us first to resolve the issue
• Chargebacks may delay refund processing
• We may request additional documentation
• Repeated chargebacks may result in account suspension

International Payments

For customers outside India:

• Payments are processed in your local currency
• Exchange rates are determined by your payment provider
• International transaction fees may apply
• Your bank may charge additional fees
• Customs duties are customer's responsibility

Payment Disputes

If you have a payment dispute:

• Contact us immediately at gilaf.help@gmail.com
• Provide order number and transaction details
• We will investigate and respond within 48 hours
• Resolution will be provided within 7 business days

Promotional Codes and Discounts

When using promotional codes:

• Enter code at checkout before payment
• Only one promotional code per order
• Codes cannot be combined with other offers
• Codes have expiration dates and terms
• Invalid codes will not be applied

Contact Us

For payment-related questions or issues, please contact us:

Gilaf Foods & Spices
Email: gilaf.help@gmail.com
Address: Gilaf Foods, Sopore, Baramulla, Jammu & Kashmir – 193201, India