Payments Policy

Payments Policy

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This Payments Policy (“Policy”) constitutes a legally binding agreement between the user (“You,” “Your,” or “Customer”) and buysuq.com (“Company,” “We,” “Us,” or “Our”). By initiating or completing any transaction on the Website, You expressly acknowledge, represent and warrant that You have read, understood and agree to be bound by the terms and conditions set forth herein. If You do not agree to these terms, You must refrain from using the payment facilities provided by the Website.

1. Scope and Applicability

This Policy governs all forms of monetary transactions undertaken through the Website, including but not limited to product purchases, charges, fees, refunds and reversals. This Policy shall operate concurrently with the Terms of Use and shall prevail in the event of any inconsistency relating to payment procedures.

2. Accepted Payment Instruments

The Company may, at its sole discretion, permit payments through one or more of the following instruments:

  1. Credit Cards (Visa, Mastercard, American Express and other networks enabled by Our payment intermediaries)
  2. Debit Cards issued by Indian and international banks
  3. Unified Payments Interface (UPI) applications
  4. Net Banking facilities
  5. Approved third-party digital wallets
  6. Cash on Delivery (“COD”), subject to eligibility
  7. Any additional instruments introduced at the Company’s discretion

The availability of any payment instrument is subject to change without prior notice.

3. Payment Authorization and Representations

By submitting Your payment details, You hereby:

  1. Authorize the Company and its appointed payment processors to charge the full transaction amount, including taxes, delivery charges and ancillary fees.
  2. Represent and warrant that You are the lawful owner of the payment instrument being used.
  3. Agree that the Company may require additional verification or documentation prior to accepting or processing any payment.
  4. Acknowledge that a transaction shall be deemed confirmed only upon receipt of payment in full.

The Company reserves the absolute right to reject, cancel or delay any order it deems suspicious, high-risk or non-compliant with internal verification protocols.

4. Pricing, Errors and Currency

All prices displayed on the Website are denominated in Indian Rupees (INR), unless expressly stated otherwise. Prices are subject to modification at the Company’s sole discretion.

In the event of a pricing error, typographical mistake or system malfunction:

  1. The Company may cancel or refuse any order placed at an incorrect price, regardless of whether payment has been processed.
  2. If payment has been collected, the Company shall initiate a refund in accordance with Section 8 of this Policy.

Under no circumstances shall the Company be liable for such errors beyond refunding the amount paid, if applicable.

5. Payment Security and Data Handling

All online payments are processed through PCI-DSS-compliant third-party payment intermediaries. The Company does not store complete card information on its servers.

Although the Company implements commercially reasonable safeguards, You acknowledge that no method of electronic transmission or storage can guarantee absolute security. You agree to assume all risks associated with the use of Your payment credentials on the Website.

6. Cash on Delivery (COD) Restrictions

COD may be extended strictly at the Company’s discretion and may be restricted based on order value, delivery location, product category or user history.

The Company retains the unilateral right to:

  1. Withdraw COD as a payment option for any user, location or transaction.
  2. Cancel orders involving repeated COD refusal or non-delivery.

COD orders may be subject to an additional service fee, where applicable.

7. Failed, Declined or Incomplete Transactions

If a payment attempt fails due to network interruptions, insufficient funds, bank-related issues or technical errors:

  1. The order shall remain unconfirmed.
  2. You are responsible for retrying the payment or selecting an alternative method.
  3. The Company shall not be liable for any delays or consequences arising from such failures.

8. Refunds, Reversals and Timelines

Refunds shall be issued only under circumstances expressly permitted under the Company’s Return Policy or when an order is cancelled by the Customer or the Company.

Refund processing timelines are subject to the policies of financial intermediaries and may vary, including but not limited to:

  1. UPI / Wallets: 2–5 business days
  2. Credit and Debit Cards: 5–10 business days
  3. Net Banking: 2–5 business days
  4. COD Refunds: Processed upon provision of valid bank or wallet details by the Customer

The Company shall not be liable for delays attributable to banks, payment gateways or other intermediaries.

9. Chargebacks and Payment Disputes

Initiating a chargeback without first contacting the Company may result in immediate suspension of Your account and related services.

If a chargeback is filed, You agree to:

  1. Provide all relevant documentation requested by the Company or its payment partners.
  2. Cooperate fully during the dispute resolution process.

Fraudulent, abusive or bad-faith chargebacks may result in legal proceedings and recovery actions to reclaim losses, fees or penalties incurred by the Company.

10. Fraud Prevention and Verification Protocols

The Company may implement manual or automated systems to detect and prevent fraudulent activities. Such measures may include but are not limited to:

  1. Identity and address verification
  2. Validation of payment instruments
  3. Order confirmation calls or emails
  4. Blacklisting or account suspension

The Company reserves the non-negotiable right to cancel any transaction that does not pass verification checks.

11. Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, consequential or punitive damages arising out of:

  1. Payment failures
  2. Delays in payment processing
  3. Errors caused by third-party service providers
  4. Unauthorized use of Your payment instrument

The Company’s total liability shall be limited exclusively to the refund of the transaction amount, if applicable.

12. Amendments to the Policy

The Company may revise, update or replace this Policy at its sole discretion. Any changes shall become effective immediately upon publication on the Website. Continued use of the payment facilities constitutes Your consent to the revised Policy.