Payment Policy

Payment Policy | Bharat Kirana Wholesale

Effective Date: 08-05-2025

At Bharat Kirana Wholesale, we offer secure and flexible payment options to make your shopping experience smooth and trustworthy. This Payment Policy outlines the methods we accept, payment safety, and related terms.

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1. Accepted Payment Methods

We currently accept the following payment modes:

UPI (Google Pay, PhonePe, Paytm, etc.)

Debit/Credit Cards (Visa, MasterCard, RuPay, etc.)

Net Banking

Wallets (Paytm, Amazon Pay, etc.)

Cash on Delivery (COD) – Available for eligible orders and PIN codes

All online transactions are processed through secure and encrypted payment gateways.

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2. Cash on Delivery (COD)

COD is available on select orders, depending on your location and order value

Please ensure exact cash is available at the time of delivery

COD orders above a certain value may require OTP confirmation or advance payment

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3. Payment Confirmation

Once your payment is successful, a confirmation message will be sent to your registered email/phone number

For failed or pending transactions, please check with your bank or wallet provider. If money is debited but no confirmation is received, contact us immediately at groosoindia@gmail.com

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4. Refunds for Online Payments

In case of order cancellation or return, the refund will be processed to the original payment method

Refunds are usually completed within 3–7 business days after verification

For COD orders, refunds (if applicable) will be transferred via bank account or UPI

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5. Payment Security

All transactions on our platform are secured using SSL encryption

We do not store your card or sensitive payment information

Our payment systems are compliant with industry standards for fraud prevention and data protection

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6. Disputes & Support

If you face any issues related to payment:

Email us at groosoindia@gmail.com

Share your order ID and payment reference number

Our support team will respond within 24 hours to resolve your concern

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Shop confidently with Bharat Kirana Wholesale — where convenience meets security.