Effective Date: 10 January 2026
Website: https://pickosm.com

This Payment Policy governs all payment transactions made on pickosm.com. All payments on this website are processed securely through Razorpay, a third-party payment gateway.

1. Accepted Payment Methods

We accept payments through Razorpay using the following methods:

• Credit Cards
• Debit Cards
• UPI
• Net Banking
• Wallets (subject to availability)

2. Payment Security

All payment transactions are encrypted and securely processed by Razorpay. Pickosm does not store or have access to your card details, UPI information, or banking credentials.

3. Payment Confirmation

Upon successful payment, an order confirmation will be sent via email or SMS. Orders will be processed only after payment confirmation.

4. Failed or Pending Transactions

In the event of a failed or pending transaction, any amount debited will be automatically reversed by the bank or payment provider within their standard processing time.

5. Duplicate or Excess Payments

If a customer is charged more than once for the same order, the excess amount will be refunded after verification as per our Refund Policy.

6. Payment Disputes

Any payment-related disputes must be reported to our support team within a reasonable timeframe. We will work with Razorpay to resolve such issues.

7. Third-Party Payment Gateway

Pickosm shall not be held responsible for payment failures, delays, or technical issues caused by Razorpay, banks, or payment networks.

8. Changes to Payment Policy

We reserve the right to update this Payment Policy at any time. Continued use of the website constitutes acceptance of the updated policy.