At Hillirious, we are committed to providing a secure, fast, and hassle-free payment experience for all customers. This Payments Policy explains the accepted payment methods, payment processing, refunds, failed transactions, and other payment-related terms when shopping on our multi-vendor marketplace.

1. Accepted Payment Methods

Hillirious supports multiple secure payment options for your convenience, including:

• Credit Cards
• Debit Cards
• UPI (Google Pay, PhonePe, Paytm, BHIM, etc.)
• Net Banking
• Digital Wallets
• Cash on Delivery (COD) (Available on Eligible Products)
• EMI (Available on Eligible Banks & Products)

Available payment methods may vary depending on the product, seller, and delivery location.

2. Secure Payment Processing

All online payments are processed through trusted and PCI-DSS compliant payment gateway providers.

For your security:

• SSL (Secure Socket Layer) encryption protects all payment transactions.
• Hillirious does not store your debit/credit card number, CVV, PIN, or banking passwords.
• Payment information is securely processed by authorized payment partners.

3. Payment Confirmation

Once your payment is successful:

• You will receive an order confirmation.
• An invoice and payment receipt will be sent to your registered email or made available in your account.
• You can also view your payment status in the My Orders section.

4. Cash on Delivery (COD)

Cash on Delivery is available for selected products and eligible delivery locations.

Please note:

• COD availability depends on the seller and serviceable PIN code.
• Sellers may limit COD for high-value or special-category products.
• Customers are requested to keep the exact payment amount ready during delivery whenever possible.

5. Failed or Pending Payments

Sometimes payments may fail or remain pending due to:

• Network issues
• Bank server problems
• UPI timeout
• Payment gateway interruptions
• Insufficient balance or card limits

If the payment amount is deducted but the order is not confirmed:

• The transaction is usually reversed automatically by your bank or payment provider within 5–7 business days (timelines may vary by bank).
• If the issue persists, please contact Hillirious Customer Support with your transaction details.

6. Refunds

Refunds are processed in accordance with our Cancellation & Returns Policy.

Once approved:

• Refunds are initiated after verification of the return or cancellation.
• Refunds are credited to the original payment method whenever possible.
• COD order refunds may be transferred to your registered bank account or UPI ID.

7. Payment Verification

To protect customers and sellers from fraud, Hillirious may:

• Verify payment information.
• Request additional identity verification for suspicious transactions.
• Delay or cancel transactions that appear unauthorized or fraudulent.

8. Pricing & Taxes

• All product prices are displayed in Indian Rupees (INR) unless otherwise specified.
• Applicable GST and taxes are included or displayed separately as required by law.
• Shipping charges, handling fees, or convenience fees (if applicable) will be shown before you complete your purchase.

9. EMI Payments

Eligible products may be purchased using EMI options provided by participating banks or financial institutions.

EMI availability depends on:

• Bank eligibility
• Card type
• Minimum purchase amount
• Seller participation

Interest rates and processing charges, if any, are determined by the issuing bank or financing partner.

10. Fraud Prevention

To maintain a secure marketplace:

• Hillirious monitors transactions for suspicious activities.
• Fraudulent orders may be cancelled without prior notice.
• Accounts involved in fraudulent payment activities may be suspended or permanently terminated.
• Legal action may be taken where required.

11. Seller Payments

For marketplace sellers:

• Payments for completed orders are settled after successful delivery and the applicable return period, subject to Hillirious's settlement policy.
• Marketplace commissions, taxes, shipping charges, refunds, and other applicable deductions may be adjusted before settlement.
• Sellers can view payment history, settlements, and invoices through the Seller Dashboard.

12. Payment Disputes

If you believe you have been charged incorrectly or experience a payment-related issue:

1. Contact Hillirious Customer Support.
2. Provide your Order ID and Transaction Reference Number.
3. Our team will investigate the issue and respond as quickly as possible.

13. Changes to this Policy

Hillirious reserves the right to modify this Payments Policy at any time. Any updates will be published on our website and mobile application with the revised effective date.