অবশ্যই ভাই। নিচেরটা ApnaDokan-এর জন্য copy-paste ready Payment Policy।

Payment Policy

Last Updated: September 19, 2026

This Payment Policy explains the payment methods, transaction processing, payment confirmation, failed or duplicate payments, refunds, and payment-related support for purchases made through ApnaDokan at https://apnadokan.com/.

By placing an order and selecting a payment method on our website, you agree to the terms described in this Payment Policy.

1. Accepted Currency

All prices and payments on ApnaDokan are processed in Indian Rupees (INR / ₹) unless otherwise stated.

The final payable amount, including any applicable shipping charges, taxes, discounts, or other charges, will be displayed during checkout before you confirm your order.

2. Accepted Payment Methods

Depending on availability, ApnaDokan may offer one or more of the following payment methods:

  • PhonePe
  • UPI
  • Visa
  • Mastercard
  • Supported debit cards
  • Supported credit cards
  • Google Pay
  • Paytm
  • Direct Bank Transfer
  • Other payment methods displayed during checkout

The availability of a particular payment method may depend on the payment gateway, bank, card network, customer account, transaction amount, or other technical factors.

3. PhonePe Payments

Where PhonePe is available, customers may use the payment options supported by the PhonePe payment gateway.

Payment processing may be subject to PhonePe’s own terms, security checks, transaction limits, and service availability.

ApnaDokan may receive limited transaction information such as:

  • Payment status
  • Transaction ID
  • Order amount
  • Payment reference
  • Payment method

We do not require customers to share their PhonePe PIN or UPI PIN with ApnaDokan.

4. UPI Payments

Where UPI payment is available, customers may complete payment using a supported UPI application or UPI ID.

Depending on the payment provider, supported UPI apps may include services such as:

  • PhonePe
  • Google Pay
  • Paytm
  • Other supported UPI applications

Customers must approve the payment through their selected UPI application.

ApnaDokan will never ask a customer to disclose a UPI PIN through email, telephone calls, contact forms, or customer support messages.

5. Card Payments

Where card payments are available, customers may use eligible debit or credit cards supported by the payment gateway.

Supported card networks may include:

  • Visa
  • Mastercard
  • Other supported card networks displayed at checkout

Card transactions may require security verification such as OTP, 3D Secure, or other authentication methods provided by the card issuer.

Sensitive card authentication data such as:

  • Card PIN
  • CVV
  • OTP
  • Banking password

should not be shared with ApnaDokan through email, telephone, or ordinary support communication.

6. Google Pay and Paytm

Where available through a supported payment provider, customers may use Google Pay or Paytm to complete eligible transactions.

Payment availability may depend on:

  • Payment provider configuration
  • Customer account eligibility
  • UPI availability
  • Bank support
  • Service availability

If a payment option is not displayed during checkout, it may not be available for that transaction.

7. Direct Bank Transfer

Where Direct Bank Transfer is offered, customers must transfer the exact payable order amount using the bank details provided during or after checkout.

Customers should include their Order ID or another requested reference when making the transfer.

Orders paid by bank transfer may remain On Hold until payment has been received and verified.

Customers should retain their transaction reference or UTR number until the order has been confirmed.

8. Payment Confirmation

An order is considered successfully paid only after payment confirmation is received through the applicable payment provider or verified by ApnaDokan.

After successful payment, customers may receive:

  • Order confirmation
  • Payment confirmation
  • Order status update
  • Email notification

Payment confirmation may sometimes be delayed due to bank, UPI network, payment gateway, or technical processing.

9. Failed Payments

A payment may fail for reasons such as:

  • Insufficient balance
  • Bank decline
  • Incorrect payment information
  • UPI timeout
  • Authentication failure
  • Payment gateway error
  • Network interruption
  • Transaction limit
  • Technical problem

If a payment fails, the order may remain unpaid, pending, failed, or cancelled.

Customers may retry payment where the option is available.

10. Payment Deducted but Order Not Confirmed

In some situations, an amount may be debited from the customer’s bank or payment account even though the website does not immediately confirm the order.

If this happens:

  1. Do not make repeated payments immediately unless necessary.
  2. Check your order status.
  3. Keep your transaction ID or UTR.
  4. Contact ApnaDokan support if the payment is not updated after a reasonable period.

Please provide:

  • Customer name
  • Order ID, if available
  • Amount paid
  • Transaction ID or UTR
  • Approximate payment date and time

We will review the available transaction information.

11. Duplicate Payments

If the same order is accidentally paid more than once, contact ApnaDokan support.

After verification, an eligible duplicate payment may be refunded through the appropriate payment method.

Please provide both transaction references where possible.

12. Payment Pending

Some transactions may remain pending while the payment provider or bank completes processing.

During this period, the order may also remain pending or on hold.

Customers should avoid submitting multiple payments for the same order unless the previous transaction has clearly failed.

13. Order Processing After Payment

Successful payment does not always mean immediate dispatch.

Before fulfilment, ApnaDokan may verify:

  • Payment status
  • Product availability
  • Customer information
  • Delivery details
  • Fraud or security concerns

Once verification is complete, the order will proceed according to the applicable order and shipping process.

14. Refunds

Approved refunds will normally be processed according to our Return, Refund & Cancellation Policy.

Where possible, refunds for online payments will be returned to the original payment method.

This may include:

  • PhonePe
  • UPI
  • Debit card
  • Credit card
  • Supported payment gateway

For eligible bank-transfer refunds, we may request suitable verified bank details where necessary.

15. Refund Processing Time

After ApnaDokan initiates an approved refund, the payment provider or financial institution may require additional time to reflect the amount in the customer’s account.

Actual timing may vary depending on:

  • Bank
  • Card issuer
  • UPI provider
  • PhonePe
  • Payment gateway
  • Payment method

If a refund has been initiated but is not visible after a reasonable processing period, please contact the relevant payment provider and ApnaDokan support.

16. Transaction Fees

Where permitted and applicable, any payment-related fee will be disclosed before the customer confirms payment.

ApnaDokan will not add hidden payment charges after the order has been confirmed.

Any fee charged directly by a customer’s bank, card issuer, UPI provider, or other financial service may be subject to that provider’s terms.

17. Payment Security

ApnaDokan uses payment providers and website security measures designed to support secure online transactions.

Customers should take reasonable precautions, including:

  • Never sharing UPI PINs
  • Never sharing card PINs
  • Never sharing OTPs
  • Never sharing internet-banking passwords
  • Verifying the website address before making payment
  • Avoiding suspicious payment links or messages

ApnaDokan will never request confidential payment authentication credentials through ordinary customer support communication.

18. Third-Party Payment Providers

Payment services may be provided by independent third-party payment providers.

These providers may process customer information according to their own terms, privacy policies, security requirements, and regulatory obligations.

ApnaDokan is not responsible for payment-provider outages or transaction processing issues outside our reasonable control, but we will assist customers with order-related payment concerns where practical.

19. Fraud Prevention

For security purposes, ApnaDokan may review or temporarily hold transactions that appear unusual or potentially fraudulent.

We may request reasonable verification where necessary to protect:

  • Customers
  • Payment systems
  • ApnaDokan
  • Financial institutions

An order may be cancelled if payment cannot be verified or if there is a reasonable concern regarding unauthorized or fraudulent activity.

20. Unauthorized Transactions

If you believe your payment method has been used without authorization, contact your bank or payment provider immediately.

You should also contact ApnaDokan if the transaction relates to an ApnaDokan order.

We may provide relevant order information to the payment provider where appropriate to assist with investigation.

21. Payment Disputes

If you have a payment issue, contact ApnaDokan first whenever practical so we have an opportunity to investigate and resolve the matter.

When contacting us, please provide:

  • Order ID
  • Transaction ID or UTR
  • Amount
  • Payment method
  • Description of the issue

If a dispute is raised through a bank, PhonePe, UPI provider, card issuer, or payment gateway, we may provide relevant order and transaction information to assist with the review.

22. Payment Method Availability

ApnaDokan may add, remove, temporarily disable, or change payment methods based on:

  • Payment-provider availability
  • Technical requirements
  • Security concerns
  • Business requirements
  • Regulatory considerations

Only payment methods shown at checkout are available for a particular transaction.

23. Changes to This Payment Policy

We may update this Payment Policy from time to time to reflect changes in:

  • Payment methods
  • Payment gateways
  • Refund procedures
  • Security practices
  • Business operations
  • Applicable requirements

The latest version will be published on this page.

24. Contact Us

For payment, transaction, refund, or order-related support, contact:

ApnaDokan Customer Support

Address: Bamutia Road, Taltala, West Tripura, Tripura 799210, India
Email: orders@apnadokan.com
Phone: +91 84818 89979
Website: https://apnadokan.com/

Please include your Order ID and Transaction ID/UTR when contacting us about a payment.