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Payment Policy
This Payment Policy explains the payment methods, transaction processing, payment verification and other payment-related terms applicable to purchases made through Smart Bignaam.
💳 Secure Payment Information
Payments made through Smart Bignaam may be processed through authorized payment gateway and banking partners. Smart Bignaam does not ask customers to share confidential payment credentials such as UPI PIN, card PIN, CVV or banking passwords through email, phone calls or messages.
1. About This Payment Policy
This Payment Policy applies to purchases made through smart.bignaam.com under the Smart Bignaam brand.
Smart Bignaam is operated by BIGNAAM ENTERPRISES.
By placing an order on our website, you agree to the applicable payment terms described in this policy.
2. Available Payment Methods
Depending on availability, location, order value and payment gateway configuration, Smart Bignaam may offer one or more of the following payment options:
Payments may be made using eligible credit or debit cards supported by the payment gateway.
Eligible UPI and supported digital payment methods may be available during checkout.
Supported banking options may be available through the payment gateway.
3. Payment Gateway
Online payments may be processed through authorized third-party payment gateway providers integrated with Smart Bignaam.
The payment gateway may securely process transaction details according to its own terms, privacy policy and security standards.
4. Payment Confirmation
An order will generally be confirmed after the payment transaction has been successfully processed or the applicable payment method has been verified.
A payment attempt that fails, is cancelled or remains unverified may not result in a confirmed order.
5. Order Confirmation
After successful payment and order processing, customers may receive an order confirmation through the contact details provided during checkout.
Customers should carefully check the order number, products, quantity, delivery details and payment information shown in the confirmation.
6. Payment Failure
A payment may fail because of reasons including, but not limited to:
- Insufficient funds or available credit.
- Incorrect payment information.
- Bank or payment gateway restrictions.
- Temporary technical problems.
- Authentication failure.
- Security or risk controls.
- Transaction timeout.
- Payment provider service interruption.
If money has been debited but the order is not confirmed, please contact us with the relevant transaction details.
7. Duplicate or Multiple Payments
If a customer believes that the same order has been charged more than once, please contact Smart Bignaam customer support with the order number and transaction details.
We may coordinate with the relevant payment service provider to verify the transaction status.
8. Refunds for Eligible Transactions
Where a refund is approved under our applicable refund, return or cancellation policy, the refund will generally be processed through the payment method or payment channel permitted by the applicable payment provider.
Actual crediting time may depend on the bank, card issuer, UPI provider or payment gateway.
9. Cash on Delivery
Where Cash on Delivery (COD) is made available for an order, the customer may be required to pay the applicable amount at the time of delivery.
COD availability may depend on product, location, order value, delivery service and other operational factors.
10. Pricing & Taxes
Product prices displayed on Smart Bignaam may be subject to applicable taxes and charges as shown during checkout.
The final amount payable should be reviewed carefully before placing an order.
Applicable GST and other legally required charges may be included or separately displayed as applicable.
11. Unauthorized Transactions
Customers should immediately contact their bank, card issuer or payment provider if they believe that an unauthorized transaction has occurred.
Customers should also contact Smart Bignaam if the transaction relates to an order placed through our website.
Never share your OTP, UPI PIN, card PIN, CVV or banking password with anyone claiming to represent Smart Bignaam.
12. Payment Security
Smart Bignaam works with payment and technology service providers that may use security measures designed to protect payment transactions.
However, no internet transmission or electronic payment system can be guaranteed to be completely risk-free.
13. Payment Disputes
If you have a question regarding a payment, please contact our support team with:
- Order number.
- Customer name.
- Registered mobile number or email address.
- Transaction date.
- Transaction reference, where available.
- Description of the payment issue.
For bank- or card-specific disputes, customers may also need to contact their respective bank or payment provider.
14. Fraud Prevention
Smart Bignaam may use reasonable transaction verification and fraud-prevention measures to protect customers and the business.
Orders may be reviewed where unusual, suspicious or potentially unauthorized transaction activity is detected.
15. Changes to Payment Policy
Smart Bignaam may update this Payment Policy from time to time to reflect changes in payment methods, payment providers, technology, business practices or applicable requirements.
The latest version will be published on this page.
🛡 Legal & Business Information
BIGNAAM ENTERPRISES
Proprietorship
23BLRPL8356F1ZQ
Smart Bignaam
smart.bignaam.com
support@bignaam.com
business@bignaam.com
Monday – Saturday
10:00 AM – 7:00 PM IST
India
📩 Payment Support
If you have a payment-related question, failed transaction, duplicate charge or payment confirmation issue, please contact our support team.
Customer Support
support@bignaam.com
Business Enquiries
business@bignaam.com
💙 Safe & Transparent Shopping
Smart Bignaam aims to provide customers with a secure, convenient and transparent payment experience.
Smart Choices. Better Living.
Smart Bignaam
Operated by BIGNAAM ENTERPRISES
GSTIN: 23BLRPL8356F1ZQ