Payment Information
All online payments are processed securely via Razorpay — India’s most trusted RBI-authorised payment gateway. We support UPI, Debit & Credit Cards, Net Banking, Wallets, EMI, and Cash on Delivery. We never store your card number, CVV, or UPI PIN.
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At Taste of Tradition, every rupee you pay is protected with the highest standards of digital security. All online payments are processed exclusively through Razorpay, an RBI-authorised Payment Aggregator. We do not see, receive, or store your card or UPI credentials at any point.
• All transactions are protected with 256-bit SSL / TLS 1.3 encryption.
• Razorpay holds PCI-DSS Level 1 certification — the highest global standard for payment security.
• All card payments require RBI-mandated 3D Secure (OTP) authentication.
• We comply fully with RBI Payment Aggregator Guidelines 2020 and NPCI UPI standards.
All online payments on Taste of Tradition are processed exclusively through Razorpay Software Private Limited, an RBI-authorised Payment Aggregator headquartered in Bangalore, India. Trusted by 8 million+ Indian businesses.
Choose from multiple payment options at checkout. No hidden fees on any online payment method — we bear the gateway charges on your behalf.
UPI is our recommended payment method for fastest order confirmation, zero cost, and easy refunds. Powered by NPCI and regulated by RBI.
| Detail | Information |
|---|---|
| Supported Apps | Google Pay, PhonePe, Paytm UPI, BHIM, Amazon Pay UPI, and any bank UPI app |
| Transaction Limit | Up to ₹1,00,000 per transaction (NPCI standard); higher on select bank accounts |
| Processing Time | Instant — typically 5–30 seconds |
| Extra Charges | None — absolutely free, no surcharge |
| Authentication | Your UPI PIN (known only to you; never shared with us or Razorpay) |
| Refund Timeline | Instant to 5–7 business days depending on your bank |
• Do not close the browser during UPI payment — wait for the redirect.
• If your UPI app shows “Pending”, wait 30 minutes before retrying — most auto-resolve.
• Never share your UPI PIN with anyone, including our team or Razorpay.
• If money was debited but order not confirmed → see Section 11 immediately.
All debit and credit card transactions use 3D Secure (OTP) authentication as mandated by the Reserve Bank of India. We accept all major networks.
| Card Type | Networks | OTP | EMI | Surcharge |
|---|---|---|---|---|
| Debit Cards | Visa, Mastercard, RuPay, Maestro | ✅ Mandatory | Select banks | None |
| Credit Cards | Visa, Mastercard, RuPay Credit, Amex, Diners Club | ✅ Mandatory | ✅ Available | None |
| International Cards | Visa, Mastercard (international use enabled) | ✅ Required | ❌ Not available | None from us |
Net Banking: Pay via your bank’s secure online portal. You are redirected to your bank’s website, then automatically returned to our confirmation page after authentication. We support 100+ Indian banks via Razorpay.
| Bank | Status | Redirect Time |
|---|---|---|
| State Bank of India | ✅ Available | 10–30 seconds |
| HDFC Bank | ✅ Available | 5–20 seconds |
| ICICI Bank | ✅ Available | 5–20 seconds |
| Axis Bank | ✅ Available | 5–20 seconds |
| Kotak Mahindra Bank | ✅ Available | 10–30 seconds |
| Punjab National Bank | ✅ Available | 15–45 seconds |
| Bank of Baroda | ✅ Available | 15–45 seconds |
| Union Bank of India | ✅ Available | 15–45 seconds |
| 50+ Other Banks | ✅ Available via Razorpay | Varies by bank |
Digital Wallets: Pay using pre-loaded wallet balance. The wallet must have sufficient balance for the full order amount. Partial wallet + other method combo is not supported.
| Wallet | Status | Max Balance Limit | Refund |
|---|---|---|---|
| Paytm Wallet | ✅ Available | ₹10,000 (Full KYC: ₹1 lakh) | Back to Paytm (instant) |
| Amazon Pay | ✅ Available | ₹10,000 | Back to Amazon Pay |
| Mobikwik | ✅ Available | ₹10,000 (Full KYC: ₹1 lakh) | Back to Mobikwik |
| Freecharge | ✅ Available | As per issuer | Back to Freecharge |
| Rule | Details |
|---|---|
| COD Availability | Available for select pincodes. Shown at checkout if your pincode is eligible. Subject to change without notice. |
| COD Handling Fee | ₹29–₹49 per order (displayed at checkout). This fee covers the added cost of cash collection and is non-refundable. |
| Minimum COD Order | ₹299 — COD not available below this amount. |
| Maximum COD Order | ₹3,000 — Orders above this require prepaid payment. |
| COD Advance Payment | An advance of 10%–70% of order value (or ₹50–₹500, whichever applies) is collected at order placement via Razorpay to confirm COD orders. This advance is adjusted against the final delivery balance. |
| Remaining Balance | Pay the balance in cash only to the delivery agent at doorstep. Keep exact change ready — agents may not carry change for large notes. |
| Delivery Receipt | Always demand and retain the delivery receipt from the agent. This is your proof of delivery and payment. |
| COD Restriction — New Accounts | First-time buyers may have COD limited to ₹1,500 maximum. |
• The COD advance is non-refundable.
• Shipping and handling costs incurred are not refunded.
• Your account may be restricted to prepaid orders only after repeated refusals.
• Valid reasons for refusal (damaged seal, wrong product, tampered packaging) are fully supported — see our Return Policy.
For larger orders, we offer EMI and BNPL options via Razorpay. EMI is available on select debit and credit cards from participating Indian banks.
| Option | Available On | Min. Order | Tenure | Interest |
|---|---|---|---|---|
| Credit Card EMI | Visa, Mastercard, Amex credit (select banks) | ₹3,000+ | 3, 6, 9, 12 months | As per your bank (shown at checkout) |
| Debit Card EMI | HDFC, SBI, Axis, Kotak select debit cards | ₹3,000+ | 3, 6, 9 months | As per your bank |
| No Cost EMI | Select cards & promotional offers | ₹3,000+ | 3–6 months | Zero (we absorb the cost) |
| BNPL | Simpl, LazyPay (via Razorpay) | ₹500+ | 15 days or 3 months | As per BNPL provider terms |
Payment is confirmed only when you receive a formal Order ID (TOT-XXXXXX). Until then, the payment may be pending or failed. Here is what you receive on successful payment:
2. Check “My Orders” on our website — may have confirmed successfully.
3. Check bank/UPI app to confirm if money was actually debited.
4. If debited but no order → contact us immediately (Section 17) with your payment reference number.
A failed payment means your transaction did not complete. If money was debited but no order was placed, it is typically a payment gateway timeout — your money is NOT lost. Here is exactly what happens and what you should do:
| Failure Reason | Money Status | Action Required |
|---|---|---|
| Incorrect OTP (3 attempts) | Not debited | Retry payment with correct OTP |
| Insufficient Balance | Not debited | Add funds and retry |
| Bank Server Timeout | Hold; auto-returns in 5–7 days | Wait; contact bank if not returned in 7 days |
| UPI Request Expired | Not debited | Retry; ensure good internet |
| Daily Limit Exceeded | Not debited | Use different method or next day |
| Gateway Timeout | May be debited; auto-refund 5–7 days | Contact us with payment reference |
| Browser Closed Mid-Payment | May be debited; auto-return 5–7 days | Contact us immediately |
| Network Lost During Payment | May be debited; auto-return 5–7 days | Check bank app; contact us if debited |
A double charge means your account was debited twice for the same order. This is rare but can occur due to network errors during payment processing. We resolve all double-charge complaints within 2 business days.
Refunds go back to the same payment source used for the original transaction. Timelines start from the date we initiate the refund (after approval), not the date you raised the request.
A chargeback is when your bank reverses a transaction on your behalf. You always have this right, but we strongly recommend contacting us first — we resolve valid claims in days, not the 30–90 days a bank chargeback takes.
| Dispute Type | Best First Step | If Still Unresolved |
|---|---|---|
| Money debited, no order | Contact us with payment reference — resolved in 5–7 days | Raise dispute with bank; then RBI Ombudsman: 14440 |
| Double charge | Share bank screenshots — resolved in 2 business days | File chargeback for the duplicate amount only |
| Fraud / Unauthorised charge | Report to bank immediately to freeze; then contact us | Cyber Crime: 1930 • RBI Ombudsman: 14440 |
| Refund not received | Contact us for Razorpay Refund Reference No. | Bank dispute for credit reversal; RBI Ombudsman |
| Product not delivered | Check tracking → Contact us → Grievance Officer | NCH: 1800-11-4000 • edaakhil.nic.in |
If you receive any such request — it is a scam. Report immediately: Cyber Crime Helpline: 1930 • RBI Ombudsman: 14440.
You have the legal right to approach any government authority at any time — even without contacting us first. Below are all relevant authorities for payment-related issues:
| Channel | Contact | Best For | Hours | Response |
|---|---|---|---|---|
| +91 6284776780 | Failed payment, double charge, COD queries, sending screenshots | Mon–Sat 9AM–7PM | 1–4 hours | |
| [email protected] | Refund status, dispute docs, escalations | 24x7 received | Within 24 hrs | |
| 📞 Phone | +91 6284776780 | Urgent payment issues, suspected fraud | Mon–Sat 10AM–6PM | Same call |
2. Order ID (TOT-XXXXXX) or Razorpay Payment Reference Number
3. Amount debited and date/time of transaction
4. Payment method used (UPI / Card / Net Banking)
5. Screenshot of bank statement or UPI app showing the debit
Subject line format:
Payment
Issue — [Order ID or Ref No] — [Your Name]
Taste of Tradition • FSSAI Certified • Rupnagar, Punjab, India
Payments processed by Razorpay Software Pvt. Ltd. • RBI-Authorised Payment
Aggregator
For payment fraud: Cyber Crime: 1930 • For payment disputes: RBI
Ombudsman: 14440 • For consumer complaints: NCH:
1800-11-4000
Last updated: October 2026