Payment Policy
# Payment Policy — Stationery Wala
**Effective Date:** July 24, 2026
Welcome to **Stationery Wala**! We strive to make your shopping experience for school and office essentials as smooth and secure as possible. This Payment Policy outlines the accepted payment methods, billing terms, and security protocols for purchases made on our e-commerce website.
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## 1. Accepted Payment Methods
We offer a variety of convenient and secure payment options to suit your preferences:
* **Credit & Debit Cards:** We accept major domestic and international cards, including Visa, MasterCard, RuPay, and Maestro.
* **Net Banking:** Direct online banking transfers from all major banks.
* **Unified Payments Interface (UPI):** Fast and seamless payments via popular apps like Google Pay, PhonePe, Paytm, and BHIM UPI.
* **Mobile Wallets:** Payments through supported digital wallets.
* **Cash on Delivery (COD):** Available for eligible pin codes and order values (subject to a nominal COD convenience fee, where applicable).
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## 2. Secure Transactions
Your online security is our top priority.
* All transactions on **Stationery Wala** are processed through encrypted, PCI-DSS compliant payment gateways.
* We **do not** store your complete credit/debit card numbers, CVV codes, or net banking passwords on our servers. All sensitive financial data is handled directly by our certified payment partners.
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## 3. Pricing & Currency
* All prices listed on our website are in **Indian Rupees (INR)** and are inclusive of applicable Goods and Services Tax (GST), unless specified otherwise.
* We reserve the right to change product prices, offers, and discounts at any time without prior notice. However, orders placed prior to a price change will be billed at the rate applicable at the time of order confirmation.
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## 4. Payment Terms & Order Confirmation
* For prepaid orders, payment must be authorized and successfully processed at the time of checkout. Your order will be confirmed only after the payment is successfully received.
* For COD orders, our customer support team or automated system may verify the order details via phone or SMS before dispatch. Failure to verify may result in order cancellation.
* In the event that a payment fails or is declined by your bank/payment provider, your order will automatically be cancelled. You will need to place a new order using a valid payment method.
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## 5. Billing Details
* Please ensure that your billing address matches the address registered with your bank or credit card provider to prevent payment delays or transaction rejections.
* GST invoices are available for all purchases. If you require a business invoice with your company’s GSTIN, please enter your details in the designated field during the checkout process.
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## 6. Refunds & Payment Discrepancies
* If your order is cancelled, or if you request a return/refund in accordance with our Return Policy, the refund will be processed back to your original mode of payment.
* **Refund Timelines:**
* *Prepaid Orders (Cards/UPI/Net Banking):* Typically reflects in your account within **5 to 7 business days**, depending on your bank's processing time.
* *COD Orders:* Refunded via bank transfer or store credit after verifying your bank details.
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## 7. Contact Us
If you have any questions, payment failures, or billing inquiries, please reach out to our support team:
* **Email:** support@stationerywala.com
* **Customer Care:** +91 [Insert Phone Number]
* **Hours:** Monday to Saturday, 9:00 AM – 6:00 PM