💳 Payment Policy

✅ Accepted Payment Methods

We accept the following safe and secure payment methods for purchases on Toy4You.in:

1️⃣ Online Payment Options (Fastest & Recommended)

• Credit & Debit Cards (Visa, Mastercard, RuPay, Maestro, American Express)
• UPI Payments (Google Pay, PhonePe, Paytm, BHIM, etc.)
• Net Banking (Available for all major Indian banks)
• Wallets (e.g., Amazon Pay, Paytm Wallet – )
• EMI Options (Available for eligible credit cards & banks – check eligibility during checkout)

2️⃣ Bank Transfer (NEFT / RTGS / IMPS)

• Account Name: ANUSHAKTI INFOTECH PVT. LTD.
• Bank Name: [Enter Your Bank Name Here]
• Account Number: [Enter Your Account Number Here]
• IFSC Code: [Enter Your IFSC Code Here]
• Branch Name: [Enter Your Branch Name Here]

📌 Note: Orders paid via bank transfer may take 1-2 business days for payment verification before processing.

3️⃣ International Payments

• PayPal (For select international transactions – )
• Wire Transfer (SWIFT) – Available for bulk or B2B orders. Please contact us for details.

📌 Note: For international payments, any bank processing fees & currency conversion charges must be borne by the customer.

💰 Cash on Delivery (COD)

Yes, Cash on Delivery (COD) is available for orders delivered within India. Please note:

• COD may be subject to availability based on your delivery pincode.
• There might be an order value limit for COD orders. [Specify limit if applicable, e.g., “COD is available for orders up to ₹5000.”]
• Please have the exact amount ready for payment upon delivery.

🔒 Secure Transactions

✔ SSL Encryption: All online transactions are processed through secure, encrypted connections (HTTPS/SSL) to protect your data.
✔ PCI-DSS Compliance: Our payment gateway partners adhere to industry-standard security protocols (PCI-DSS).
✔ No Card Details Stored: Toy4You does not store your sensitive payment information like full credit/debit card numbers on our servers; transactions are securely handled by authorized payment providers.

📌 Important Payment Terms

📌 Order Processing:

• Payments (except for COD) must be successfully completed and verified before an order is processed and dispatched.
• Unpaid orders (where payment is initiated but not completed, excluding COD) will be automatically canceled after 24 hours.

📌 Failed Payments:

• If your online payment fails, please verify your details, check with your bank, or try an alternative payment method.
• If the amount is debited from your account but the order isn’t confirmed on our site, please contact support immediately with transaction details for verification and resolution.

📌 Taxes & GST:

• GST (Goods & Services Tax) is applicable as per Indian law. The final price shown during checkout is inclusive of all applicable taxes.
• GST invoices are available for all orders and can usually be downloaded from your account section or requested from support.

📌 Bulk Order & B2B Payments:

• Businesses or bulk buyers can request custom invoices & purchase agreements.
• Contact us for special wholesale pricing & credit terms (subject to verification and approval).

💰 Refunds & Payment Disputes

🛠 Refund Policy for Canceled Orders

• If an order is canceled before shipping (as per our Terms & Conditions), a full refund will be issued to the original payment method (for prepaid orders).
• Refunds typically take 7-10 business days to reflect in your account after processing, depending on your bank or payment provider.

⚡ Refund for Failed Transactions

• If money is deducted during a failed transaction but your order isn’t placed, the amount is usually auto-reversed by the bank/gateway within 3-7 business days.
• If the amount is not reversed within this timeframe, please contact your bank & Toy4You support with transaction details for assistance.

🔄 Chargeback & Dispute Resolution

• If you initiate a chargeback or payment dispute with your bank or payment provider without first contacting us to resolve the issue, Toy4You reserves the right to suspend your account and provide necessary documentation to the relevant authorities until the matter is resolved.
• We encourage customers to contact our support team first to address any concerns regarding payments or orders.
• Unauthorized chargebacks may lead to legal action if fraud is suspected.

📞 Need Payment Support? Contact Us

📧 Email: support@toy4you.in
📞 Phone: +91 9461785001, +91 6377371613
💬 Live Chat: Available on Toy4you.in during business hours.

Why Pay Securely with Toy4You?

✔ 100% Secure Payments 🔒
✔ Fast Order Processing 🚀
✔ GST Invoices Available 📜
✔ Multiple Payment Options 💳