Effective Date : 21st August 2025

At Satrishi Healthcare, we are committed to providing a safe, secure, and seamless shopping experience. This Payment & Security Policy outlines the accepted payment methods, transaction security measures, fraud protection protocols, and general terms related to financial transactions on our website, satrishi.com.

1. Accepted Payment Methods

To facilitate convenient and secure transactions, we accept the following payment methods:

  • Credit & Debit Cards: Visa, MasterCard, RuPay
  • UPI (Unified Payments Interface): Google Pay, PhonePe, Paytm, BHIM, and other UPI-supported apps
  • Net Banking: All Major Indian banks
  • Wallets: Paytm, PhonePe, Amazon Pay, etc.
  • EMI: Buy Now Pay Later (BNPL)
  • Cash on Delivery (COD): Currently, we do not offer COD.

All payments are processed in Indian Rupees (INR).

2. Payment Processing & Gateway Security

All online payments on satrishi.com are processed securely through Cashfree Payments India Pvt. Ltd, one of India’s leading RBI-authorized payment gateways.

Cashfree is PCI-DSS (Payment Card Industry Data Security Standard) compliant, ensuring that every transaction you make is fully encrypted and protected from unauthorized access.

2.1. Encryption & Secure Transactions

  • We use SSL (Secure Socket Layer) encryption to protect data transmission between your browser and our servers.
  • Payment details are encrypted using AES-256 encryption, ensuring that sensitive information is never exposed.

2.2. Payment Authentication

  • Every transaction undergoes two-factor authentication (2FA) as mandated by RBI (Reserve Bank of India).
  • Customers must complete an OTP (One-Time Password) verification to authenticate their payment.

2.3. No Storage of Payment Details

  • At Satrishi Healthcare, we do not store or have access to your credit/debit card, UPI, or banking credentials. All sensitive payment data is handled directly by Cashfree using advanced encryption and security protocols.

3. Fraud Prevention & Risk Mitigation

We prioritize customer safety and prevent fraudulent transactions through the following measures:

3.1. Fraud Detection Mechanisms

  • Our payment gateway provider implements AI-driven fraud detection algorithms to identify suspicious activities.
  • High-risk transactions are flagged and subject to additional verification.

3.2. Chargebacks & Dispute Resolution

  • In case of unauthorized transactions or disputes, customers should immediately contact their bank and social@satrishi.com.
  • Refunds or chargeback claims will be processed in accordance with the policies of banks and payment gateways.

3.3. Suspicious Orders & Verification

  • If an order appears fraudulent, our team may reach out for identity verification via phone or email.
  • Orders flagged as high-risk may be canceled, and the amount refunded to the original payment source.

4. Refunds & Payment Reversals

  • Refund Process: If your order is eligible for a refund (as per our Cancellation & Return Policy), the amount will be credited back to the original payment method.
  • Processing Time: Refunds are typically processed within 7-10 business days after approval.
  • Non-Refundable Fees: Shipping charges are non-refundable unless the refund is due to a product defect, damage, or order cancellation before dispatch.

5. Payment Failures & Resolution

In case your payment fails during checkout:

  1. Check your internet connection and try again.
  2. Verify card details (expiry date, CVV, correct OTP entry).
  3. Ensure sufficient funds are available in your bank account or wallet.
  4. Try an alternative payment method such as UPI or net banking.
  5. If the issue persists, contact your bank or our support team at social@satrishi.com for assistance.

For failed payments where money is deducted but the order is not placed:

  • The deducted amount is usually auto-reversed by the bank within 3-5 business days.
  • If the refund is delayed, please reach out to your bank with the transaction reference number.

6. Compliance & Legal Policies

We are committed to maintaining a high level of security and are compliant with all relevant regulations, including those from the Reserve Bank of India (RBI), PCI DSS (Payment Card Industry Data Security Standard), and GDPR (General Data Protection Regulation).

7. Customer Support for Payment Issues

For any payment-related concerns, feel free to reach out to our support team:

  • Email: social@satrishi.com
  • Phone: +91-9152530660
  • Support Hours: Monday – Saturday, 10:00 AM – 7:00 PM IST

We are here to ensure a smooth and hassle-free payment experience for all our customers.