Payment Policy
PAYMENT POLICY
Last Updated: 09 October 2026
Thank you for choosing Sukhambika 925 Atelier for your 925 sterling silver jewellery needs.
We aim to provide a secure, transparent and convenient payment experience. This Payment Policy explains the payment methods available on our website, payment terms, Cash on Delivery, pricing and taxes, refunds, exchanges and payment security.
By placing an order with Sukhambika 925 Atelier, you acknowledge that you have read and understood this Payment Policy and agree to the applicable terms.
1. PAYMENT METHODS
Depending on availability, Sukhambika 925 Atelier accepts the following payment methods.
1.1 Debit & Credit Cards
We may accept major debit and credit cards supported by our payment gateway, including applicable Visa, Mastercard, American Express and other supported card networks.
Customers may be required to provide the information requested by the authorised payment gateway to complete the transaction.
Sukhambika 925 Atelier does not intentionally store complete card credentials such as your card PIN, CVV or banking passwords.
1.2 UPI Payments
Customers may make payments through supported UPI payment methods and UPI applications available through our authorised payment gateway.
Available UPI options may vary depending on the payment service provider and the customer’s bank.
Never share your UPI PIN or OTP with anyone, including anyone claiming to represent Sukhambika 925 Atelier.
1.3 Net Banking
Where available, customers may pay through supported internet banking facilities provided through our authorised payment gateway.
The availability of specific banks may depend on the payment gateway.
1.4 Digital Wallets & Other Online Payment Methods
Where supported by our payment gateway, we may accept digital wallets and other online payment methods.
Available payment options are displayed during checkout and may change from time to time.
1.5 Bank Transfer
Where direct bank transfer is specifically offered or approved by Sukhambika 925 Atelier, customers may be provided with our authorised bank account details.
Customers should mention their:
Order Number / Invoice Number
in the payment reference or transaction description wherever possible.
An order will generally be processed only after the payment has been successfully received and verified.
Customers should not transfer money to any bank account unless the payment details have been officially provided or verified by Sukhambika 925 Atelier.
2. PAYMENT TERMS
2.1 Online Orders
For online purchases, full payment is generally required before an order is processed and dispatched, unless Cash on Delivery is available and selected.
Once payment is successfully received and confirmed, we will proceed with order processing, packaging and dispatch subject to product availability.
2.2 Customised & Personalised Orders
For customised, personalised or made-to-order jewellery, Sukhambika 925 Atelier may require:
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Full payment in advance; or
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A deposit/partial payment followed by the remaining balance.
The applicable payment terms will be communicated to the customer before the custom order is confirmed.
Customised or personalised orders may require additional production time.
3. CASH ON DELIVERY (COD)
Cash on Delivery may be available for eligible PIN codes and orders.
COD Charge
Where COD is available, an additional ₹150 per shipment may be charged as a Cash on Delivery service fee.
The applicable COD charge will be displayed or communicated before the order is confirmed.
COD for Customised Orders
Cash on Delivery is not available for customised, personalised or certain made-to-order products.
Such orders may require advance payment as communicated at the time of purchase.
COD Availability
COD availability may depend on:
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Delivery PIN code;
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Order value;
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Product category;
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Logistics partner;
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Customer/order history; and
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Other operational considerations.
Sukhambika 925 Atelier reserves the right to restrict COD availability for certain orders or locations.
4. PAYMENT CONFIRMATION
After successful payment, customers may receive an order confirmation through the contact details provided during checkout.
An order is considered successfully placed only after payment has been successfully authorised/received and the order confirmation has been generated, where applicable.
If an amount has been debited from your account but the order is not confirmed, please contact our customer support team with the relevant transaction details.
5. FAILED OR UNSUCCESSFUL PAYMENTS
If a payment fails but the amount appears to have been debited from your bank account, please do not make repeated payments immediately.
First check your order status and contact our customer support team with:
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Order number, if available;
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Transaction/reference number;
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Payment date;
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Amount paid; and
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Relevant payment confirmation/screenshot, if requested.
We will assist in coordinating verification with the relevant payment gateway or financial institution.
6. DUPLICATE PAYMENTS
If you believe that you have accidentally made more than one payment for the same order, please contact us immediately.
After verification, any confirmed duplicate payment will be handled in accordance with the applicable payment and refund process.
7. PRICING
All product prices displayed on the Sukhambika 925 Atelier website are shown in Indian Rupees (₹) unless otherwise stated.
The applicable price at the time the order is placed will generally apply to that order, subject to correction of genuine pricing errors or other applicable circumstances.
8. TAXES
Applicable taxes may be included in or added to the displayed product price depending on the applicable pricing and tax structure.
Where applicable, the final payable amount, including taxes and other charges, will be displayed during checkout before the customer completes payment.
Customers should review the final order summary before confirming the purchase.
9. SHIPPING & OTHER CHARGES
Additional charges may apply depending on the order and delivery method, including:
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Shipping charges;
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Cash on Delivery charges;
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Gift-wrapping charges;
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Special handling charges;
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Customisation charges; or
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Other applicable service charges.
Any applicable charges will be displayed or communicated before payment is completed wherever reasonably possible.
10. INTERNATIONAL ORDERS
If international shipping is offered for a particular order or destination, the customer may be responsible for applicable:
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Customs duties;
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Import duties;
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Local taxes;
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Clearance charges; and
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Other destination-specific fees.
Such charges may be imposed by the destination country and are generally outside the control of Sukhambika 925 Atelier.
International shipping availability and payment options may vary by destination.
11. REFUNDS
Refunds are governed by our Exchange, Return & Refund Policy.
Where a refund is approved:
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Prepaid orders will generally be refunded through the original payment method wherever possible.
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COD refunds will generally be processed to the eligible bank account of the individual whose name appears in the billing details, subject to verification.
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Refund processing will begin after the returned product has been received and successfully verified.
For complete refund conditions, customers should refer to our Exchange, Return & Refund Policy.
12. REFUND TIMELINE
Once an eligible return has been received and approved, the refund will generally be initiated within approximately 2–3 business days after completion of the verification process.
Once initiated, the amount may take up to 14 working days, excluding Sundays and public holidays, to appear in the applicable account/payment method, depending on the bank, payment gateway or financial institution.
13. EXCHANGES
Eligible product exchanges are governed by our Exchange, Return & Refund Policy.
Where an exchange is approved:
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The replacement product is subject to availability.
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Any difference in product value may be payable by or refundable to the customer.
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Applicable shipping or other charges may apply.
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Customised/personalised products may be excluded.
Please refer to our Exchange & Return Policy for complete details.
14. PAYMENT SECURITY
Sukhambika 925 Atelier takes reasonable measures to protect payment-related information.
Payments may be processed through authorised third-party payment gateways that use appropriate security technologies and procedures.
We do not intentionally request or store sensitive payment credentials such as:
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UPI PIN;
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ATM PIN;
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Card PIN;
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Internet banking password;
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OTP; or
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Full confidential banking credentials.
15. IMPORTANT SECURITY WARNING
Sukhambika 925 Atelier will never ask you to disclose your OTP, UPI PIN, ATM PIN, card PIN, CVV or internet banking password through an unsolicited call, WhatsApp message, email or social-media message.
If someone claiming to represent Sukhambika 925 Atelier asks you for such information, do not provide it.
Please contact our official customer support team immediately.
16. THIRD-PARTY PAYMENT SERVICE PROVIDERS
Payments may be processed by third-party payment gateways and financial service providers.
These providers may collect and process payment information in accordance with their own terms, privacy policies and security procedures.
Sukhambika 925 Atelier does not control the internal systems, security practices or policies of third-party payment providers.
17. PAYMENT-RELATED INFORMATION SHARING
Where reasonably necessary to complete a transaction, we may share relevant information with authorised service providers such as:
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Payment gateways;
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Banks/payment processors;
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Logistics providers;
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Fraud-prevention providers;
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Technology service providers; and
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Customer-support service providers.
Information will be shared only to the extent reasonably necessary for the relevant business purpose and subject to applicable law.
For more information, please refer to our Privacy Policy.
18. ORDER PROCESSING AFTER PAYMENT
Once payment has been successfully confirmed, the order may proceed through:
Payment Confirmation → Order Processing → Quality Check → Packaging → Dispatch → Delivery
Orders involving customised or made-to-order jewellery may require additional processing and production time.
19. PAYMENT DISPUTES
If you believe that you have been incorrectly charged, charged twice, or have another payment-related concern, please contact Sukhambika 925 Atelier before initiating a payment dispute with your bank or payment provider wherever reasonably possible.
We will investigate the matter and provide appropriate assistance.
Nothing in this policy is intended to restrict any rights or remedies available to consumers under applicable law.
20. POLICY CHANGES
Sukhambika 925 Atelier may update this Payment Policy from time to time to reflect changes in:
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Payment methods;
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Payment service providers;
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COD availability;
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Pricing;
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Taxes;
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Business practices;
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Security procedures; or
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Applicable laws and regulations.
The latest version of the Payment Policy will be published on our website.
Customers are encouraged to review this policy periodically.
21. CONTACT US
For payment-related questions, failed payments, duplicate payments, refund queries or other payment concerns, please contact:
Sukhambika 925 Atelier
Email: sukhambika925atelier@gmail.com
Phone / WhatsApp: 8284990235
Website: https://sukhambika925.com/
Please keep your Order ID and payment transaction/reference number available when contacting customer support.
SHOP WITH CONFIDENCE
At Sukhambika 925 Atelier, we strive to make every transaction secure, transparent and convenient.
Thank you for trusting us with your jewellery purchase.
Sukhambika 925 Atelier
925 Sterling Silver • Crafted with Elegance