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🔒 256-bit SSL  •  PCI-DSS Level 1  •  Powered by Razorpay  •  RBI Regulated

Payment Information

All Orders  ·  Last Updated: October 2026  ·  Taste of Tradition

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.

📱 UPI — Instant & Free 💳 Cards — 3D Secure 🏦 Net Banking 💵 Cash on Delivery 📅 EMI & BNPL
🔒
Encryption
256-bit SSL
TLS 1.3
🌟
Certified
PCI-DSS
Level 1
🧐
Card Data
Never Stored
By Us
⏱️
Orders
Instant
Confirmation
🔒
Section 01
Overview & Payment Security Commitment

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.

🏦
Our Five-Point Security Promise
• We never store your full card number, CVV, or UPI PIN — this data goes directly to Razorpay’s encrypted servers.
• 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.
✅ 256-bit SSL✅ PCI-DSS Level 1✅ 3D Secure OTP✅ RBI Regulated✅ No Card Data Stored✅ NPCI UPI Compliant
🌐
Section 02
Razorpay — Our Official Payment Gateway

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.

💳
Razorpay Software Private Limited
RBI-Authorised Payment Aggregator • PCI-DSS Level 1 • CIN: U72200KA2013PTC097389 • Bangalore, India
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RBI Licence
Authorised Payment Aggregator under PA-PG Guidelines, 2020
🌟
Security Standard
PCI-DSS Level 1 Certified — highest global card data standard
🔒
Encryption
256-bit SSL / TLS 1.3 — end-to-end transaction security
🧠
Fraud Detection
AI-powered real-time fraud screening on every transaction
📱
3D Secure
OTP / 3DS2 mandatory for all card payments (RBI mandate)
🇮🇳
Data Residency
All payment data stored in India — fully RBI compliant
✔️ Visa✔️ Mastercard✔️ RuPay✔️ Amex✔️ UPI✔️ Net Banking (100+ banks)✔️ Wallets✔️ EMI✔️ BNPL
ℹ️
Why Razorpay?
Razorpay is trusted by Zomato, CRED, BookMyShow, and 8 million+ businesses. As an RBI-regulated entity, Razorpay is legally obligated to protect your payment data. We partner with them so you get bank-grade security on every order — regardless of your order size.
💳
Section 03
All Accepted Payment Methods — At a Glance

Choose from multiple payment options at checkout. No hidden fees on any online payment method — we bear the gateway charges on your behalf.

📱
UPI
Google PayPhonePePaytm UPIBHIMAmazon PayAny UPI App
Instant • Zero charges • Recommended
💳
Debit Cards
VisaMastercardRuPayMaestro
3D Secure OTP • All Indian banks • No surcharge
💸
Credit Cards
VisaMastercardRuPay CreditAmexDiners Club
3D Secure OTP • EMI available • No surcharge
🏦
Net Banking
SBIHDFCICICIAxisKotakPNB100+ banks
Bank redirect • Real-time confirmation • No surcharge
💜
Wallets
PaytmAmazon PayMobikwikFreecharge
Full order value must be in wallet • Instant refund back
💵
Cash on Delivery
CODAdvance RequiredCOD Fee
Pincode-based availability • Full rules in Section 07
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No Payment Gateway Surcharge
We do not charge any transaction fee or processing surcharge on UPI, Debit Cards, Credit Cards, Net Banking, or Wallets. The only additional charge on an order is the COD handling fee (₹29–₹49) for Cash on Delivery orders. Razorpay’s platform fees are absorbed by us.
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Section 04
UPI Payments — Instant & Recommended

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
⚠️
UPI Payment Tips — Read Before Paying
• Ensure your UPI ID is correct before confirming.
• 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.
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Section 05
Debit & Credit Card Payments

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
🔒 How Your Card Data is Protected
❌
We Never See
Your full card number, CVV, or expiry date. This goes directly to Razorpay’s encrypted servers, never through ours.
🔒
Tokenisation (RBI 2022)
If you save a card for future orders, Razorpay stores only a secure token (not your actual card number) per RBI’s Card-on-File Tokenisation mandate.
📱
OTP / 3DS2
Every card transaction triggers an OTP from your bank. This extra authentication step is RBI-mandated and prevents unauthorised card use.
🧠
AI Fraud Check
Razorpay’s AI engine screens every transaction for fraud signals in real-time. Suspicious transactions are auto-blocked before processing.
🚨
Card Fraud Warning — Read This
If anyone calls or messages you claiming to be from Taste of Tradition or Razorpay and asks for your card number, CVV, OTP, or PIN — this is a scam. We and Razorpay will NEVER ask for this information. Hang up immediately and report to Cyber Crime Helpline: 1930.
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Section 06
Net Banking & Digital Wallets

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
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Section 07
Cash on Delivery (COD) — Complete Rules
💵
Cash on Delivery (COD) — Full Policy
Please read all rules before selecting COD at checkout
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.
🚨
COD Advance — Non-Refundable on Refusal
If you refuse to accept a COD delivery without a valid reason (damaged product, wrong item, etc.):
• 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.
⚠️
When COD is NOT Available
COD is unavailable for: Pincodes outside our network • Remote/inaccessible areas • Accounts with repeated COD refusals • Orders during certain sale periods • High-value orders above ₹3,000
💡
Why Prepaid is Better than COD
Prepaid orders receive priority processing, have no COD fee, qualify for prepaid-exclusive discounts, and have significantly lower delivery failure rates. If you’re concerned about online payment safety — our payments are 100% secured by Razorpay and your money is fully protected.
📅
Section 08
EMI & Buy Now Pay Later (BNPL)

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
ℹ️
EMI Disclaimer
EMI availability is shown dynamically at checkout based on your card’s issuing bank and order value. Interest rates are set by your bank, not by us. For EMI refunds (cancelled order): amount is credited back to your card and the EMI is auto-cancelled — no extra charges from our end.
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Section 09
How to Complete Your Payment — Step by Step
1
Add to Cart
Select Products & Review Cart
Browse our pickle collection, choose products & quantities, add to cart. Review your cart summary before clicking “Proceed to Checkout”.
2
Checkout
Enter Address & Check Pincode
Enter your complete delivery address. Your pincode is checked against our delivery network. Shipping charges, COD availability, and delivery timeline are displayed.
3
Choose Payment
Select Payment Method
Choose UPI, Card, Net Banking, Wallet, EMI, or COD. The final order total (including COD fee if applicable) is displayed before you proceed. No surprises at payment.
4
Secure Payment
Complete Payment on Razorpay’s Encrypted Page
You are redirected to Razorpay’s secure checkout. Enter payment details here — not on our website. Cards receive an OTP from your bank; UPI sends a collect request to your app.
5
Wait — Do NOT Refresh
Wait for Automatic Redirect (5–30 Seconds)
Do not close the tab, press back, or refresh after payment. Wait for the automatic redirect to our Order Confirmation page. Interrupting this step can cause payment issues.
✅
Confirmed!
Order Confirmed — SMS & Email Sent
You see the Order Confirmation page with your Order ID (TOT-XXXXXX). An SMS is sent to your mobile and an email invoice to your registered email address within 5–15 minutes.
⚠️
Never Refresh or Press Back During Payment
Interrupting the payment process (closing tab, pressing back, network loss) can result in your bank debiting the amount but the order not being placed. If this happens, wait 30 minutes before retrying, then check Section 11 (Failed Payments).
✅
Section 10
Payment Confirmation & Order Placement

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:

✅ What You Receive After Successful Payment
📱
Immediate SMS
Order ID + confirmation to your registered mobile within 1–2 minutes of payment success
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Email Invoice
Detailed tax invoice emailed to your registered address within 5–15 minutes
🇮🇳
Razorpay Receipt
Razorpay sends its own transaction reference to your email/mobile — save this for records
🗓️
Order Dashboard
Order appears in “My Orders” with status “Confirmed” or “Processing” immediately
❓
Didn’t Receive Confirmation Within 30 Minutes?
1. Check spam/junk folder for the confirmation email.
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.
❌
Section 11
Failed Payments — Causes, Money Status & What to Do

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:

1
Failure Occurs
Payment Times Out or Shows Error
You see an error, browser times out, or you are not redirected to our confirmation page. Your bank/UPI app may show “Pending” or “Debited”.
2
Wait 30 Minutes
Auto-Resolution Window
Most payment timeouts auto-resolve within 30 minutes — either the order confirms or money returns automatically. Do NOT retry payment during this window. Multiple retries create multiple holds.
3
Check Status
Verify Bank Statement & Order Dashboard
After 30 minutes: check your bank/UPI app for the transaction status AND check “My Orders” on our website. If order shows “Confirmed” — all is well. If money debited and no order → Step 4.
4
Contact Us
Share Payment Reference — We Coordinate with Razorpay
WhatsApp or email us with: payment reference number (from bank/UPI app) • amount & time of debit • payment method • registered mobile/email. We coordinate with Razorpay and initiate refund within 2–7 business days if the money was not received by us.
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
💰
Where Does Debited Money Go in a Failed Payment?
In a failed payment where money was debited: the funds are held by Razorpay or your bank — never by us. We do not receive money from failed transactions. The amount auto-returns to your source within 5–7 business days. If it doesn’t return, contact us and we will escalate to Razorpay on your behalf at no charge.
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Section 12
Duplicate & Double Charge — Full Resolution Policy

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.

🔄 How to Report a Double Charge — 4 Steps
📸
Step 1 — Screenshot
Take a screenshot of your bank statement / UPI history showing both debits for the same amount on the same day with different transaction IDs.
💬
Step 2 — Contact Us
WhatsApp or email us with the screenshot, both transaction reference numbers, your Order ID, and registered mobile/email.
⏰
Step 3 — 24-Hour Verification
We verify both charges with Razorpay within 24 hours. Once confirmed as a duplicate, we initiate an immediate refund for the extra charge.
💰
Step 4 — Refund Processed
The duplicate amount is refunded to your original source within 2–5 business days. Written confirmation sent to you.
⚠️
Contact Us Before Raising a Bank Chargeback
Filing a chargeback without contacting us first creates a lengthy 30–90-day bank dispute process. We resolve double-charge complaints in 2 business days. Contact us first — it’s faster and simpler for everyone.
💰
Section 13
Refund Timelines by Payment Method

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.

📱
UPI
Instant
to 5–7 Days
Most UPI refunds are instant. Delays depend on your bank’s processing.
💳
Debit Card
5–7
Business Days
Refunded to the bank account linked to your debit card.
💸
Credit Card
7–10
Business Days
Appears as a credit on your statement; may reflect in next billing cycle.
🏦
Net Banking
5–7
Business Days
Direct NEFT/IMPS transfer to your bank account.
💜
Wallets
Instant
to 3 Days
Returned to same wallet (Paytm, Amazon Pay, etc.).
💰
Store Credit
Instant
Valid 12 Months
If you choose store credit, added instantly to your account.
⏰
Total Refund Time = Approval Time + Bank Processing Time
If your refund is not credited within the stated timeline after initiation, contact us and we will provide the Razorpay Refund Reference Number so you can track it with your bank directly. We never withhold approved refunds.
⚖️
Section 14
Payment Disputes & Chargebacks

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
🏦
How a Chargeback Works
When you file a chargeback, your bank notifies Razorpay, who notifies us. We have 7–14 days to respond with evidence. If your claim is valid, the bank reverses the transaction. This process takes 30–90 days. Contacting us directly resolves most disputes in 2–7 days — much faster.
🔰
Section 15
Payment Security Tips — Do’s & Don’ts
✅ SAFE Practices
✅Always verify the URL is tasteoftradition.in before entering any payment details
✅Look for the 🔒 HTTPS padlock in your browser before paying
✅Pay via UPI or Debit Card for maximum safety and easy reversibility
✅Save the Razorpay payment reference number after every successful transaction
✅Keep bank SMS notifications enabled to detect any unauthorised activity instantly
✅Use a secure private Wi-Fi network when making payments — avoid public Wi-Fi
✅Contact us immediately if you notice any unrecognised charge linked to our website
❌ NEVER Do These
❌Never share OTP, UPI PIN, card CVV, or net banking password with anyone — including people claiming to be from us or Razorpay
❌Never pay on a WhatsApp link sent claiming to be from us — we send no payment links via WhatsApp
❌Never install screen-sharing apps (AnyDesk, TeamViewer) for “payment help” from anyone
❌Never respond to a UPI “Collect Request” from an unknown merchant — we collect only via our checkout, never via collect requests
❌Never retry payment multiple times without waiting 30 minutes — creates multiple holds
❌Never pay via NEFT/IMPS to a personal bank account claiming to be ours — we never ask for bank transfers outside checkout
❌Never pay via Google Pay / PhonePe QR code sent to you via chat — our only payment channel is our website checkout
🚨
How to Spot a Taste of Tradition Payment Scam
We will NEVER: Call you asking for OTP, card details, or PIN • Send a personal bank account to pay into • Ask you to install any app • Request payment via WhatsApp link or QR • Offer a “special discount” for paying via an external link.

If you receive any such request — it is a scam. Report immediately: Cyber Crime Helpline: 1930 • RBI Ombudsman: 14440.
🏛️
Section 16
Government Helplines for Payment Issues

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:

🇮🇳
Government of India — Payment & Consumer Protection Helplines
All toll-free • Use these if we fail to resolve your issue
🏦
Payment Disputes — Primary Helpline
RBI Integrated Ombudsman — Reserve Bank of India
For: Money debited but order not placed • Refund not received • Unauthorised transactions • UPI disputes • Payment gateway fraud • Double charges. File online for fastest resolution. Covers all RBI-regulated entities including Razorpay.
📞 14440
Toll-free • cms.rbi.org.in
📱
UPI-Specific Disputes
NPCI — National Payments Corporation of India
For: Failed UPI transactions • UPI fraud • Money debited but not credited • Incorrect UPI transfer. Raise a dispute in your UPI app first; escalate to NPCI if your app provider doesn’t resolve within 48 hours.
🔒
Online Fraud & Cyber Crime
National Cyber Crime Reporting Portal — MHA, Govt. of India
For: Online payment fraud • Phishing • Identity theft • Fake payment requests • Anyone impersonating Taste of Tradition or Razorpay. Report immediately — faster reporting = higher chance of fund recovery.
📞 1930
🗣️
Consumer Complaints
National Consumer Helpline (NCH) — Ministry of Consumer Affairs
For: Payment-related consumer complaints • Refund denial by e-commerce • Unfair trade practices related to payment • Non-delivery after payment received.
📞 1800-11-4000
📞 14404
Toll-free • Mon–Sat, 9:30AM–5:30PM • consumerhelpline.gov.in
💻
Online Consumer Court
e-DAAKHIL — Consumer Dispute Redressal Commission Portal
File a formal case at District / State / National Consumer Commission if payment disputes are not resolved. Free for cases up to ₹50 lakh. 100% online, no lawyer required for small claims at district level.
📧
Section 17
Contact Us for Payment Help
Channel Contact Best For Hours Response
📱 WhatsApp +91 6284776780 Failed payment, double charge, COD queries, sending screenshots Mon–Sat 9AM–7PM 1–4 hours
📧 Email [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
📝
Always Include These When Contacting for Payment Help
1. Your registered mobile number or email address
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]
Payment Issue? We’re Here to Help.
Reach out via WhatsApp or email — most payment issues resolved within 24 hours.

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