Payment Policy

Last Updated: October 30, 2026

1. Accepted Payment Methods

Bank Adhikari operates as a prepaid e-commerce platform. All catalog orders require 100% advance payment completed online. We accept:

  • Dynamic UPI QR Code: Scan and pay via any UPI-supported mobile application (Google Pay, PhonePe, Paytm, BHIM, CRED, or mobile banking UPI apps).
  • Direct UPI Intent / App Integration: Automatic app-to-app redirection on compatible mobile devices for fast, secure checkout.

2. Cash on Delivery (COD) Policy

  • Cash on Delivery (COD) is strictly NOT available.
  • Every shipment must be prepaid in full prior to order packing and dispatch. We do not accept partial advance payments with balance on delivery.

3. Real-Time Automated Payment Verification

Our checkout infrastructure features fully automated payment reconciliation:

  1. Dynamic Generation: Upon proceeding to checkout, our platform generates an order-specific dynamic UPI QR code or initiates a direct UPI intent call.
  2. Payment Execution: You authorize the transaction securely within your preferred UPI mobile app.
  3. Instant Automated Callback: The payment system receives instant, automated electronic callbacks from the payment network. There is no need to manually enter UTR numbers or send payment screenshots.
  4. Immediate Confirmation: Your order status updates automatically to “Confirmed / Processing” in real time, and an electronic invoice and order confirmation receipt are issued immediately.

4. Failed Transactions, Bank Debits, and Duplicate Payments

  • Bank Debited but Checkout Incomplete: If money is debited from your bank account but network latency causes the checkout screen to time out, our automated reconciliation engine syncs transaction status within 15 to 30 minutes. If funds reach our account, your order is automatically confirmed. If the transaction failed at the banking switch level, the deducted sum reverses back to your source bank account within T+2 to T+5 working days as per Reserve Bank of India (RBI) mandates.
  • Duplicate Charges: If an inadvertent double charge occurs due to repeated clicks or network interruptions, our automated ledger will flag the surplus payment. The extra amount will be refunded directly to your original source account within 5 to 7 working days.

5. Tax Invoices and Input Tax Credit (ITC) Disclaimer

  • Commercial Tax Invoices: All orders are accompanied by an official tax invoice specifying product value, applicable GST, and HSN codes.
  • B2B Invoicing: Business entities, CSPs, and commercial enterprises must enter their legal business name and valid 15-digit GSTIN on the checkout page before payment. Invoices cannot be revised or modified after generation.
  • Input Tax Credit Disclaimer: Bank Adhikari complies with all statutory GST filing obligations. However, we do not guarantee the approval or availability of Input Tax Credit (ITC). ITC eligibility depends strictly on the provisions of the Central Goods and Services Tax Act, 2017, matching records on the GST portal (GSTR-2B), and your individual tax assessment status.

6. Legal Jurisdiction

All financial transactions, payment disputes, chargebacks, and related legal matters shall be governed exclusively by the laws of India and subject to the exclusive jurisdiction of the competent courts in Samastipur, Bihar, India.

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