Payment Policy

Effective Date: September 7, 2026

At Lakshmi Store, we provide secure online payment facilities through Razorpay, our third-party payment gateway provider.

This Payment Policy explains how payments for purchases made through https://lakshmistoreldh.com/ are processed.

1. Payment Gateway

Online payments made on our Website are processed through Razorpay.

Razorpay provides payment processing services that enable customers to make payments using the payment methods available at checkout.

Depending on availability, customers may be able to pay using:

Credit cards
Debit cards
UPI
Net banking
Wallets
Other payment methods made available through Razorpay

The payment methods available to you may vary depending on your transaction and Razorpay’s available payment services.

2. Payment Processing

When you choose to pay online, you may be redirected to or shown a payment interface provided or supported by Razorpay.

Payment details entered during the payment process may be processed by Razorpay and relevant banking/payment institutions in accordance with their applicable terms, privacy policies, security requirements, and applicable law.

Lakshmi Store does not require customers to provide their card PIN, UPI PIN, OTP, CVV, or banking passwords to us.

Lakshmi Store will never ask you to share your OTP, UPI PIN, card PIN, CVV, or online banking password with us.

3. Order Confirmation

An order is considered successfully placed only after we receive confirmation of successful payment and the order is accepted by Lakshmi Store.

After successful payment, you may receive an order confirmation through the email address or mobile number provided during checkout.

If money has been deducted from your bank account but you have not received an order confirmation, please contact us immediately with your transaction details.

4. Failed or Pending Payments

Sometimes a payment may appear as pending, failed, or unsuccessful due to issues with the bank, payment network, Razorpay, internet connectivity, or other technical reasons.

If your payment fails but your bank account has been debited, please do not make repeated payments immediately.

Name
Mobile number
Order number, if available
Transaction ID/payment reference number
Date and amount of payment
Screenshot of the transaction, if available

We will check the payment status and assist you as appropriate.

5. Payment Authorization and Capture

Payment authorization and capture are handled through the payment-processing system.

An order will be processed for dispatch only after successful payment confirmation/capture, as applicable.

Payments that are not successfully captured may be automatically reversed or refunded through the payment-processing system according to the applicable payment gateway and banking processes. Razorpay’s documentation notes that uncaptured payments may be automatically refunded.

6. Refund Policy

Lakshmi Store does not accept returns or exchanges except for products that are received damaged, subject to verification and our Return & Refund Policy.

A refund will be issued only when Lakshmi Store determines that a refund is applicable under our policies or where required by applicable law.

Razorpay processes payment transactions and provides refund-processing facilities, but Razorpay does not independently decide whether a customer is entitled to a refund on a Lakshmi Store order. Customers requesting a refund should contact Lakshmi Store first.

7. Refund Processing

Where a refund is approved by Lakshmi Store, we will initiate the refund through the applicable payment-processing system where possible.

Refunds will generally be made to the original payment method used for the transaction.

The time required for the refunded amount to appear in your bank account, card account, UPI account, or other payment method may depend on the relevant bank, card issuer, payment network, Razorpay, or other financial institution.

Razorpay’s current documentation states that normal refunds may take approximately 5–7 working days to be refunded, although the actual time experienced by a customer may vary depending on the financial institution.

8. No Refund for Change of Mind

Except where a product is received damaged or where otherwise required by applicable law, Lakshmi Store does not provide refunds for:

Change of mind
Wrong size selected by the customer
Wrong colour selected by the customer
Personal preference
Product not meeting personal expectations
Minor colour differences caused by photography, lighting, or screen settings
Minor variations in fabric, embroidery, stitching, or finishing

Please review our Return & Refund Policy before placing an order.

9. Unauthorized Payment

If you believe that an unauthorized transaction has been made using your card, bank account, UPI account, or other payment method, please immediately contact your bank or payment provider.

You should also contact Lakshmi Store so that we can check whether an order has been placed against the transaction.

10. Payment Security

Razorpay and the relevant financial/payment institutions use security measures in connection with payment processing.

However, no online payment or electronic transmission system can be guaranteed to be completely secure.

Customers should take reasonable precautions to protect their payment credentials and should never disclose OTPs, PINs, passwords, or other confidential banking information to anyone.

11. Pricing

The price payable for a product will be the price displayed on the Website at the time the order is placed, subject to any obvious pricing or technical error.

Applicable taxes, shipping charges, discounts, or other charges, where applicable, will be displayed during the purchasing process.

Lakshmi Store reserves the right to correct obvious pricing errors and take appropriate action in accordance with applicable law.

12. Contact Us

For payment-related questions, failed payments, or refund enquiries, please contact:

Lakshmi Store

Website: https://lakshmistoreldh.com/

Email: lakshmistoreldh@yahoo.co.in

Phone: 098152 50000

Address: Ghumar Mandi, Ludhiana, Punjab, India

When contacting us regarding a payment, please provide your order number and Razorpay/payment transaction ID, if available.

Last Updated: September 7, 2026