Payment Policy
Payment Policy

At 10MinutesIndia, we are committed to providing secure and convenient payment options for our users. This Payment Policy outlines the methods, security measures, and terms related to payments for our services and products.

1. Accepted Payment Methods

We accept the following payment methods for purchases on our platform:

1.1 Credit and Debit Cards

  • Visa
  • MasterCard
  • American Express
  • RuPay
  • All major Indian bank cards

1.2 Digital Wallets & UPI

  • Paytm Wallet
  • PhonePe
  • Google Pay
  • Amazon Pay
  • BHIM UPI
  • All major UPI apps

1.3 Net Banking

  • State Bank of India
  • HDFC Bank
  • ICICI Bank
  • Axis Bank
  • Punjab National Bank
  • And all other major Indian banks

1.4 Other Payment Options

  • PayPal (for international transactions)
  • Bank Transfers
  • Cash on Delivery (for select products and locations)
2. Payment Security

2.1 Data Protection

We implement industry-standard security measures to protect your payment information:

  • SSL encryption for all transactions
  • PCI-DSS compliance
  • Tokenization of sensitive data
  • Regular security audits
  • Secure payment gateways

2.2 Third-Party Payment Processors

We use reputable third-party payment processors including:

  • Razorpay
  • PayU
  • CCAvenue
  • Stripe (for international payments)

Your payment details are handled directly by these secure processors and are not stored on our servers.

3. Currency and Pricing

3.1 Transaction Currency

All transactions are processed in Indian Rupees (INR). For international payments, the amount will be converted to your local currency by your bank or payment provider at the prevailing exchange rate.

3.2 Pricing Transparency

All prices displayed on our website include applicable taxes. The final amount charged will include:

  • Product/Service cost
  • Shipping charges (if applicable)
  • GST and other applicable taxes
  • Any additional fees clearly disclosed before payment
4. Payment Process

4.1 Authorization

When you make a payment:

  • Your payment method will be authorized immediately
  • For subscriptions, recurring payments are automatically processed
  • You will receive payment confirmation via email
  • Failed payments will be notified immediately

4.2 Payment Verification

We may require additional verification for:

  • High-value transactions
  • First-time customers
  • Suspicious activity
  • International payments
5. Subscription Payments

5.1 Recurring Billing

For subscription services:

  • Payments are automatically charged at the beginning of each billing cycle
  • You will receive notification before each renewal
  • Billing cycles are monthly, quarterly, or annually as selected
  • You can cancel auto-renewal at any time

5.2 Price Changes

We reserve the right to change subscription prices. Existing subscribers will be notified 30 days in advance of any price changes affecting their subscription.

6. Failed Payments

6.1 Common Reasons

Payments may fail due to:

  • Insufficient funds
  • Incorrect card details
  • Bank decline
  • Technical issues
  • Security filters

6.2 Resolution

If your payment fails:

  • You will be notified immediately
  • You can retry with the same or different payment method
  • For subscriptions, we will attempt to process payment again after 24 hours
  • After three failed attempts, the subscription may be suspended
7. Refunds and Disputes

7.1 Refund Processing

Refunds are processed according to our Refund & Cancellation Policy. Approved refunds will be credited to your original payment method within 7-10 business days.

7.2 Payment Disputes

If you have concerns about a charge:

  • Contact us immediately at payments@10minutesindia.com
  • Provide transaction details and reason for dispute
  • We will investigate and respond within 48 hours
  • Unauthorized charges will be refunded immediately
8. Fraud Prevention

We employ multiple layers of fraud prevention:

  • Address Verification System (AVS)
  • Card Verification Value (CVV) checks
  • 3D Secure authentication
  • Transaction monitoring systems
  • Behavioral analysis
9. Payment Limitations

9.1 Transaction Limits

For security reasons, we may impose transaction limits:

  • Maximum single transaction: ₹50,000
  • Daily transaction limit: ₹1,00,000
  • Monthly transaction limit: ₹5,00,000

Higher limits may be available upon verification.

10. Changes to Payment Policy

We reserve the right to modify this Payment Policy at any time. Changes will be effective immediately upon posting on our website. Significant changes will be notified to users via email or website notification.

11. Contact Us

For payment-related inquiries, disputes, or assistance, please contact us at:

10MinutesIndia
Varanasi, Uttar Pradesh — 221010
Payment Support: payments@10minutesindia.com
General Inquiries: info@10minutesindia.com
Phone: +91-XXXXX-XXXXX (Monday-Friday, 9 AM-6 PM IST)
Website: https://10minutesindia.com/