PAYMENT POLICY

This Payments Policy governs all payments made through the website, mobile application, WhatsApp ordering channels, social media commerce channels, and other sales platforms operated under the brand name 2forjoyy, a business unit of
KISAG Enterprises ("2forjoyy", "Company", "we", "our", or "us").

By placing an order or making a payment, you agree to this Payments Policy and our Terms & Conditions.

1. Accepted Payment Methods

This Payments Policy governs all payments made through the website, mobile application, WhatsApp ordering channels, social media commerce channels, and other sales platforms operated under the brand name 2forjoyy, a business unit of
KISAG Enterprises ("2forjoyy", "Company", "we", "our", or "us").

By placing an order or making a payment, you agree to this Payments Policy and our Terms & Conditions.

2forjoyy may accept one or more of the following payment methods:

  • UPI
  • Credit Cards
  • Debit Cards
  • Net Banking
  • Mobile wallets
  • Cash on Delivery ( COD )
  • Gift Cards (if applicable)
  • Store Credit (if applicable)
  • Promotional Credits (if applicable)

Available payment options may vary depending on location, product category, order value, risk assessment, and operational requirements.

2. Payment Processing

Payments are processed through authorized third-party payment service providers.

These may include:

  • Razorpay
  • Cashfree
  • PhonePe
  • PayU
  • Banks
  • Card Networks
  • UPI Service Providers

2forjoyy does not control the functioning of third-party payment systems and shall not be responsible for their outages, delays, errors, or interruptions.

3. Order Confirmation

Receipt of payment authorization does not automatically guarantee order acceptance.

The Company reserves the right to:

  • Verify transactions
  • Verify customer identity
  • Confirm stock availability
  • Conduct fraud screening
  • Cancel suspicious orders

A purchase contract is formed only upon order confirmation and/or shipment.

3. Order Confirmation

Receipt of payment authorization does not automatically guarantee order acceptance.

The Company reserves the right to:

  • Verify transactions
  • Verify customer identity
  • Confirm stock availability
  • Conduct fraud screening
  • Cancel suspicious orders

A purchase contract is formed only upon order confirmation and/or shipment.

4. Failed Payments

If a payment fails:

  • The order may not be confirmed.
  • Inventory may not be reserved.
  • The customer may be required to place a new order.

The Company is not responsible for losses arising from failed payment attempts caused by:

  • Banking errors
  • Network interruptions
  • Payment gateway failures
  • Insufficient funds
  • Incorrect payment information

5. Payment Security

2forjoyy uses commercially reasonable security measures and works with payment providers that follow recognized security standards.

However:

  • No online payment system is completely secure.
  • Customers use payment services at their own risk.
  • Customers must protect their account credentials, passwords, OTPs, and banking information.

2forjoyy will never request passwords, OTPs, CVV numbers, or complete card details through phone calls, emails, messages, or social media.

6. Fraud Prevention

The Company reserves the right to:

  • Verify transactions.
  • Request additional documentation.
  • Delay processing.
  • Reject payments.
  • Cancel orders.
  • Restrict accounts.

These actions may be taken where fraudulent, suspicious, or unauthorized activity is suspected.

Verification may include:

  • Identity verification.
  • Billing verification.
  • Address verification.
  • Payment ownership confirmation.

7. Cash on Delivery (COD)

COD may be available for selected products, locations, and order values.

The Company reserves the right to:

  • Restrict COD access.
  • Limit COD order amounts.
  • Require prepaid payment.
  • Disable COD for high-risk accounts.

Repeated refusal of COD deliveries may result in:

  • Suspension of COD privileges.
  • Account restrictions.
  • Refusal of future orders.

8. Pricing and Billing Errors

Despite reasonable efforts, errors may occasionally occur.

The Company reserves the right to:

  • Correct pricing errors.
  • Correct tax calculation errors.
  • Correct discount errors.
  • Cancel affected orders.

If payment has already been received for an incorrectly priced order, the Company may
refund the amount paid.

9. Refunds

Approved refunds will generally be processed to:

  • The original payment method, or
  • Another legally permissible method.

Refund timelines depend on:

  • Banks
  • Card issuers
  • Payment gateways
  • UPI providers
  • Financial institutions

The Company is not responsible for delays occurring after refund initiation.

10. Store Credit and Wallet Credit

Where offered, refunds may be issued as:

  • Store credit
  • Wallet balance
  • Gift balance
  • Promotional credit

Store credits:

  • May be non-transferable.
  • May have expiration dates.
  • May be subject to specific usage conditions.

11. Chargeback Policy

Customers are encouraged to contact 2forjoyy before initiating payment disputes.

The Company reserves the right to contest chargebacks where:

  • Delivery was completed.
  • Services were provided.
  • Refunds were already issued.
  • Fraudulent claims are suspected.

Evidence may include:

  • Delivery records
  • Tracking information
  • Communication logs
  • Order confirmations

Fraudulent chargebacks may result in:

  • Account suspension
  • Order cancellation
  • Restriction of future purchases
  • Recovery of associated costs where permitted by law

12. International Payments

For international transactions:

  • Currency conversion rates may be determined by banks or payment providers.
  • Additional charges may apply.
  • Foreign transaction fees may be imposed by financial institutions.

2forjoyy does not control such charges and is not responsible for exchange rate
fluctuations.

13. Taxes

Applicable taxes, duties, levies, and government charges will be calculated in accordance with applicable laws.

International customers may be responsible for:

  • Import duties
  • Customs charges
  • VAT
  • GST
  • Local taxes

Unless otherwise expressly stated.

14. Payment Disputes

Customers should notify the Company promptly regarding:

  • Unauthorized transactions
  • Duplicate charges
  • Payment discrepancies

The Company may investigate such matters and request supporting information.

15. Suspicious Communications

2forjoyy does not conduct promotions requiring customers to transfer funds to personal bank accounts or unknown payment links.
Customers should never share:

  • OTPs
  • Passwords
  • CVV numbers
  • Full card details
  • Banking credentials

Any suspicious communication should be reported immediately.

16. Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for:

  • Banking failures
  • Banking failures
  • Network interruptions
  • Unauthorized access resulting from customer negligence
  • Delays caused by third-party payment providers

Any liability shall be limited in accordance with the Company’s Terms & Conditions.

17. Policy Modifications

2forjoyy reserves the right to amend, update, modify, suspend, or replace this Payments Policy at any time without prior notice.

The latest version published on the Platform shall govern all transactions.

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