Payment & COD Policy

5.1Accepted Payment Methods

We accept payments via:

• Credit/Debit Cards
• UPI, Net Banking, and Wallets
• Cash on Delivery (Partial COD, see below)

All online payments are processed securely through Cashfree Payments, a PCI-DSS compliant payment gateway. RCwithCurly does not store your card, UPI, or bank details.

5.2Transaction Charges

• Standard payment gateway transaction charges (if any) will be displayed at checkout before you confirm payment.
• Any convenience fee for COD orders is separate from standard gateway charges (see 5.4).

5.3Partial COD — Advance Payment

To reduce fraudulent/fake COD orders and ensure genuine purchases, RCwithCurly follows a Partial Cash on Delivery model:

• Customers opting for COD must pay an advance amount online at checkout, ranging from 10%, 20%, or 30% of the order value, depending on the product category/order value [specify exact rule, e.g. "10% for orders under ₹X, 20% for ₹X–₹Y, 30% for orders above ₹Y"].
• The remaining balance is payable in cash to the delivery agent at the time of delivery.
• The advance payment is collected via our secure payment gateway (Cashfree).
• Once the order has been dispatched, the advance payment is non-refundable if the customer refuses to accept the product, fails to collect it, or is unavailable at the time of delivery.

5.4COD Charge

• A 5% COD handling charge (calculated on the order value) applies to all orders placed with Cash on Delivery, in addition to the partial advance amount.
• This charge is displayed at checkout before order confirmation.

5.5Advance Payment — Refund & Forfeiture

• If your order is cancelled before shipping, the advance payment is refunded in full to your original payment method within 5–7 business days.
• If the order is cancelled after shipping, or refused/not accepted at the time of delivery (except in cases of damaged/incorrect items — see Returns Policy), the advance payment is non-refundable, as it covers processing and shipping costs already incurred.

5.6Full Prepaid Orders

Customers may choose to pay 100% online instead of COD; no COD charge or partial- advance rule applies to fully prepaid orders.

5.7Failed/Pending Payments

If an online payment fails or remains pending, the order will not be confirmed until payment is successfully received. In case of double-debit or payment errors, contact us immediately with your transaction reference for resolution.

5.8Contact for Payment Queries

• Email: support@rcwithcurly.com
• Phone / WhatsApp: +91 89776 90338