Payment Policy

Last updated: October 2026 · Version 2.0

This Payment Policy describes the payment methods accepted on MATILEO, how payments are verified, and the security measures in place to protect your financial information.

1. Accepted Payment Methods

We accept the following payment methods at checkout, subject to availability for your pin code and order value: (a) Cash on Delivery (COD) — pay in cash to the courier on delivery, available for orders up to ₹5,000; (b) UPI — Google Pay, PhonePe, Paytm, BHIM, and other UPI apps via our payment gateways; (c) Credit and Debit Cards — Visa, Mastercard, RuPay, American Express, and Diners Club; (d) Net Banking — all major Indian banks; (e) Wallets — Paytm Wallet, Mobikwik, Amazon Pay, and Freecharge (via Razorpay); (f) EMI — available on select credit cards via Razorpay. The specific options shown at checkout depend on the payment gateway selected.

2. Payment Gateways

We use multiple PCI-DSS compliant payment gateways to process online payments: Stripe, Razorpay, and PhonePe. Each gateway handles your payment data directly on its secure servers — we never receive or store your card number, CVV, UPI PIN, or net banking password. The gateway you select at checkout determines the available payment instruments and the payment flow (redirect, popup, or embedded).

3. Server-Side Verification

All online payments are verified server-side through our payment gateways' APIs and webhooks. An order is marked as paid only after trusted confirmation from the gateway — either a successful payment intent, a webhook event confirming payment capture, or a verified payment signature. Returning to a success URL or closing the payment page does not mark an order as paid. Orders remain in "pending" status until payment is verified. If payment verification fails, the order remains pending and no charge is captured.

4. Price Integrity

All prices are validated on the backend at the time of order creation. We never trust prices submitted by the browser or the client. The final amount charged is determined server-side from the verified order contents, including the product price, quantity, shipping charge, and applicable GST. Any discrepancy between the cart total shown to you and the server-validated total is resolved in favour of the server-validated amount.

5. GST & Tax Invoicing

All prices displayed on the Website are inclusive of applicable Goods and Services Tax (GST). MATILEO ENTERPRISES PRIVATE LIMITED is registered under GST with GSTIN 07AAUCM1273C1ZF. A GST invoice is available for every order and can be downloaded from your account or requested by email at Pvtltd9631@yahoo.com. The invoice includes the HSN/SAC code, GST rate, and tax amount split (CGST/SGST or IGST) as applicable.

6. Payment Security

We never store sensitive payment credentials such as card numbers, CVVs, UPI PINs, or banking passwords on our servers. All payment data is handled entirely by our PCI-DSS compliant payment gateways (Stripe, Razorpay, PhonePe). All payment pages are served over HTTPS with TLS encryption. Our servers never receive or retain your raw card details. We comply with the Information Technology Act, 2000 and the Information Technology (Reasonable Security Practices and Procedures and Sensitive Personal Data or Information) Rules, 2011.

7. Failed, Dropped, and Disputed Payments

If a payment is debited from your account but the order is not confirmed, the amount is typically auto-refunded by your bank or payment gateway within 5–7 business days. If it is not auto-refunded, contact us at Pvtltd9631@yahoo.com with your payment reference number, order number, and a screenshot of the debit, and we will coordinate with the gateway to trace and refund the amount. We do not capture payments for orders that are not confirmed.

8. Refunds to Original Method

All refunds are processed to the original payment method used for the order. We cannot refund to a different account or method. For COD orders, refunds are processed to a bank account or UPI ID that you provide after return approval. See the Return & Refund Policy for detailed timelines.

9. Contact

For payment-related queries, contact us at Pvtltd9631@yahoo.com or at our registered address: Shop at 12 & 13, KH No. 7/15 & 10/11, Kotla Vihar Phase-II, Nangloi, New Delhi, Delhi, India, 110041 GSTIN: 07AAUCM1273C1ZF.

All Policies

MATILEO ENTERPRISES PRIVATE LIMITED · GSTIN: 07AAUCM1273C1ZF · Shop at 12 & 13, KH No. 7/15 & 10/11, Kotla Vihar Phase-II, Nangloi, New Delhi, Delhi, India, 110041 · Pvtltd9631@yahoo.com