Payment Policy
Payment Methods Safe, Secure, and Convenient Payment Options
At Zaavio.co, your safety and convenience are our priorities. We offer various payment methods that are easy to use and strictly comply with Indian payment regulations and RBI guidelines. All transactions are processed in Indian Rupees (INR ₹).
We partner with trusted, PCI DSS-certified payment gateways to ensure your transactions are secure and seamless. Please ensure your payment method supports INR transactions.
UPI (Unified Payments Interface)
India's Most Popular Digital Payment Method
UPI is a real-time payment system developed by NPCI that allows instant money transfers between bank accounts using your mobile device. Fast, secure, and widely accepted across India.
How to Pay with UPI:
- Choose UPI at checkout
- Enter your UPI ID (e.g., yourname@paytm) or scan the QR code
- Receive payment request notification on your UPI app
- Open your UPI app and authorize with your UPI PIN
- Get instant confirmation via email
Why Choose UPI?
- ✓ Instant confirmation
- ✓ No transaction fees
- ✓ Works 24/7
- ✓ Supports all major banks in India
Credit & Debit Cards
Secure Card Payments with 3D Authentication
We accept all major credit and debit cards issued by Indian and international banks. Your card payments are processed through secure, PCI DSS-compliant payment gateways with advanced encryption.
Accepted Cards:
Payment Process:
- Select Credit/Debit Card at checkout
- Enter card number, name, expiry date, and CVV
- Complete 3D Secure authentication (OTP verification)
- Confirm payment and receive order confirmation
Net Banking
Direct Bank Transfer
Net Banking allows you to make payments directly from your bank account through your bank's internet banking portal. Safe, reliable, and supported by all major Indian banks.
How to Use Net Banking:
- Select Net Banking at checkout
- Choose your bank from the list
- Log in with your internet banking credentials
- Authorize the transaction using OTP or transaction password
- Get redirected back with order confirmation
Digital Wallets
Quick and Convenient Wallet Payments
Pay using your favorite digital wallet with just a few clicks. If you have a balance in your wallet or linked payment method, checkout is instant.
Supported Wallets:
Payment Process:
- Choose your preferred Wallet at checkout
- Get redirected to wallet login page
- Confirm payment from wallet balance
- Enter wallet PIN/OTP for security
- Return to our site with confirmation
Cash on Delivery (COD)
Pay When You Receive
Prefer to pay in cash? We offer Cash on Delivery service for eligible orders. Inspect your product before making payment.
How COD Works:
- Select Cash on Delivery at checkout
- Complete order and provide delivery address
- Receive order at your doorstep
- Inspect the package
- Pay in cash to delivery partner
Important COD Notes:
- • COD may not be available for all products/locations
- • Nominal COD handling fee may apply (shown at checkout)
- • OTP or phone verification required
- • Please keep exact change ready when possible
- • Refunds processed via bank transfer or UPI
Your Security is Our Priority
All transactions on Zaavio.co are protected with industry-leading security measures
All data transmitted is encrypted using advanced SSL technology
Highest level of payment security compliance
Additional OTP verification layer for card payments
We never store card numbers, CVV, or UPI PINs
Advanced systems monitor all transactions
Constant monitoring and security updates
Order Confirmation
Once your payment is successfully processed, you will receive:
See your order details immediately on our website
Detailed order information sent to your email within minutes
Quick confirmation text to your registered mobile number
Don't see confirmation within 24 hours? Check your spam folder or contact us immediately.
Payment Issues & Solutions
💸 Money Deducted but Payment Failed
Don't worry! This is usually a temporary hold by your bank.
- Amount refunded automatically within 5-7 business days
- If not refunded within 7 days, contact us with transaction details
- Keep your transaction ID/reference number handy
❌ Card Declined
Common reasons and solutions:
- ✓ Verify card details (number, expiry, CVV)
- ✓ Check if card is enabled for online transactions
- ✓ Ensure sufficient balance/credit limit
- ✓ Contact your bank if issue persists
⚠️ Payment Gateway Errors
Try these steps:
- Refresh page and try again
- Clear browser cache and cookies
- Try different payment method or browser
- Check internet connection stability
🏦 UPI/Net Banking Issues
Quick fixes:
- Ensure sufficient account balance
- Check if banking service is active
- Try again after few minutes
- Verify UPI app is updated
💱 Payment Currency
All transactions are processed in Indian Rupees (INR ₹). International payment methods may incur currency conversion charges and international transaction fees from your bank or card issuer.
↩️ Refunds & Cancellations
For information about refunds and order cancellations, please refer to our:
Refunds are typically processed within 5-7 business days after approval.
Need Help with Payment?
If you encounter any issues or have questions, our support team is ready to assist you.
Sector 13, Vasundhara, Ghaziabad, UP 201012, India
When contacting us about payment issues, please provide:
- • Order number (if available)
- • Transaction ID or payment reference number
- • Payment method used
- • Date and time of transaction
- • Screenshot of error message (if any)
Thank You for Choosing Zaavio.co
We appreciate your trust and are committed to providing you with a safe, secure, and convenient shopping experience.
Zaavio.co: Premium Quality, Honest Pricing.