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Payment Policy

Last updated: November 18, 2025

Vishakha Fabrics - Secure Payment Processing

Email: vishakhathechudimaterials@gmail.com

Phone: 9566605766

Address: 4.1-14.2, Lakshman Nagar, Reddimaniyakaranur Road, Elampillai, Salem-637502

1 Payment Acceptance & Currency

Vishakha Fabrics accepts payments through multiple secure channels for your convenience. All transactions are processed in Indian Rupees (₹) and include applicable GST as per Indian tax regulations.

Currency Notice:

All prices displayed on our website are in Indian Rupees (INR). International customers may see converted prices based on current exchange rates, but the final transaction will be processed in INR.

2 Accepted Payment Methods

Digital Payments

  • 💳 Credit Cards (Visa, MasterCard, RuPay)
  • 💳 Debit Cards (All major Indian banks)
  • 📱 UPI Payments (PhonePe, GPay, Paytm)
  • 🏦 Net Banking (All major banks)

Traditional Methods

  • 🏦 Bank Transfers (NEFT/RTGS/IMPS)
  • 📱 Digital Wallets (Paytm, MobiKwik)
  • 💰 Cash on Delivery (Limited areas)

Bank Transfer Details

Account Name: Vishakha Fabrics

Account Number: 44411747517

Bank Name: State Bank of India

IFSC Code: SBIN0015036

Account Type: Current Account

Branch: As per account details

Please share the transaction reference number after making the transfer.

3 Payment Security & Encryption

Enterprise-Grade Security

Your payment security is our top priority. We implement multiple layers of protection to ensure your financial data remains secure.

🔒

SSL Encryption

256-bit SSL encryption for all data transmissions

🛡️

PCI DSS Compliance

Level 1 PCI DSS certified payment gateways

🚫

No Data Storage

We don't store your card details on our servers

📊

Fraud Monitoring

24/7 real-time fraud detection systems

4 Order Processing & Payment Verification

Order Processing Timeline

Orders are processed only after successful payment verification. The typical processing timeline varies by payment method:

⚡

Instant Methods

UPI, Cards, Wallets
Processing: Instant

⏱️

Net Banking

Processing: 2-4 hours

📅

Bank Transfers

Processing: 24-48 hours

💰

Cash on Delivery

Processing: Order confirmation required

Payment Verification Process

All payments undergo a multi-step verification process:

  • 1. Initial payment gateway authorization
  • 2. Fraud detection screening
  • 3. Manual verification for high-value orders
  • 4. Final order confirmation and processing

5 GST & Tax Compliance

Tax Invoice Generation

Vishakha Fabrics is GST registered and provides tax-compliant invoices for all transactions.

Invoice Includes

  • • HSN/SAC codes
  • • CGST, SGST breakdown
  • • Business address details

Tax Compliance

  • • Proper tax calculation
  • • Invoice numbering system
  • • Digital invoice storage
  • • 6-year record maintenance

6 Refund & Cancellation Policy

Refund Processing

Refunds are processed according to the following guidelines:

  • ⏱️ Processing Time: 5-7 business days
  • 💳 Original Payment Method: Refunds credited to source
  • 📧 Notification: Email confirmation sent

Cancellation Windows

  • ✅ Pre-shipment: 100% refund
  • ⚠️ In-transit: Partial refund after deduction
  • ❌ Delivered: As per return policy

7 Failed Transactions & Disputes

Transaction Failure Resolution

In case of failed transactions, follow these steps:

1

Check Statement

Verify if amount is debited

2

Contact Support

Email with transaction details

3

Provide Proof

Screenshot or transaction ID

4

Resolution

Refund or order confirmation

Auto-refund Timeline: Amounts debited for failed transactions are automatically refunded within 7-10 business days by the payment gateway.

8 Business & Wholesale Payments

Corporate Payment Solutions

For business customers and wholesale orders, we offer specialized payment terms:

Credit Terms

Available for established business partners with approved credit limits

Bulk Orders

Advance payment required for custom or large quantity orders

GST Compliance

Proper GST invoices with business details for input tax credit

9 Contact & Support Information

Payment Support & Queries

Payment Support

Email: vishakhathechudimaterials@gmail.com

Phone: 9566605766

Response Time: 24-48 hours

Business Address

Vishakha Fabrics
4.1-14.2, Lakshman Nagar
Reddimaniyakaranur Road
Elampillai, Salem - 637502
Tamil Nadu, India

Banking Details

Account: Vishakha Fabrics

Number: 44411747517

Bank: State Bank of India

IFSC: SBIN0015036

For payment-related queries, please have your order number and transaction details ready. This helps us resolve your concerns faster.