At 10 Minutes India, we are committed to providing secure, fast, and convenient payment options for your food and grocery orders. This Payment Policy outlines how payments work on our platform.

1. Accepted Payment Methods

1.1 UPI Payments (Recommended)

• Google Pay (GPay)
• PhonePe
• Paytm UPI
• BHIM UPI
• Amazon Pay UPI
• Any UPI-enabled banking app

1.2 Credit and Debit Cards

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

1.3 Digital Wallets

• Paytm Wallet
• PhonePe Wallet
• Amazon Pay Balance
• Mobikwik
• Freecharge

1.4 Net Banking

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

1.5 10 Minutes India Wallet

• Pre-loaded wallet for faster checkout
• Refunds credited to wallet instantly
• Promotional credits and cashbacks stored here
• No expiry on wallet balance (except promotional credits)

1.6 Cash on Delivery (COD)

• Available for orders above ₹99
• Maximum COD limit: ₹2,000 per order
• COD handling fee may apply
• May not be available in all areas or during peak hours
• Please keep exact change ready

2. Payment Security

2.1 Data Protection

Your payment security is our priority:

• All transactions use 256-bit SSL encryption
• PCI-DSS compliant payment processing
• We do NOT store your complete card numbers
• Tokenized card storage for saved cards
• 3D Secure (OTP) authentication for cards

2.2 Payment Gateways

We partner with RBI-approved payment processors:

• Razorpay
• PayU
• CCAvenue

3. Pricing & Charges

3.1 Product Pricing

• All prices displayed are in Indian Rupees (INR)
• Prices are inclusive of applicable GST
• Prices may vary from MRP due to platform handling fees
• Prices are subject to change without prior notice

3.2 Additional Charges

Your order total may include:

• Delivery Fee: ₹0 to ₹49 depending on order value and distance
• Surge Fee: May apply during peak hours or adverse weather
• Packaging Fee: Small nominal fee for packaging
• COD Fee: ₹10-20 for cash on delivery orders
• Small Order Fee: May apply for orders below minimum value

4. Payment Process

4.1 Order Payment

• Payment is collected at time of order placement
• For COD, payment is collected upon delivery
• Payment confirmation is sent via app notification
• Transaction ID is displayed in order details

4.2 Payment Failures

If your payment fails:

• Order will not be placed
• Any debited amount will be auto-refunded within 5-7 business days
• You can retry with same or different payment method
• Contact your bank if amount is debited but payment shows failed

5. Refunds

5.1 Refund Timelines

Refund Method	Timeline
10 Minutes India Wallet	Instant (within minutes)
UPI	1-3 business days
Debit Card	5-7 business days
Credit Card	5-10 business days
Net Banking	5-7 business days
Wallet (Paytm, PhonePe, etc.)	1-3 business days

5.2 Refund Policy

• Refunds are processed to original payment method by default
• You may choose to receive refund in 10 Minutes India Wallet for instant credit
• COD order refunds are credited to wallet only
• Partial refunds for partial order issues

6. Promotional Credits & Offers

• Promo codes are applied at checkout
• Only one promo code per order
• Promotional credits have validity periods
• Refunds do not restore used promotional credits
• Terms and conditions apply to all offers

7. Invoice & Receipts

• Digital invoice available in order details
• Invoice sent via email (if email provided)
• GST invoice available for business purchases on request
• Download invoices anytime from "My Orders"

8. Disputes & Chargebacks

If you believe a charge is incorrect:

• First, check order details in the app
• Contact our support within 7 days of transaction
• Provide transaction ID and reason for dispute
• We will investigate and respond within 48 hours
• Unauthorized charges will be refunded immediately upon verification

Note: Initiating chargebacks with your bank without contacting us first may result in account suspension.

9. Fraud Prevention

We employ fraud detection measures:

• Address verification for new customers
• Device fingerprinting
• Transaction pattern analysis
• OTP verification for all card transactions

Suspicious transactions may be declined or require additional verification.

10. Contact Us

For payment-related queries: