Thank you for shopping at NHCART Please read our payment terms carefully to understand how transactions are handled on our website.

1. ✅ Accepted Payment Methods

We offer multiple secure payment options for your convenience:

• Credit / Debit Cards (Visa, MasterCard, RuPay, etc.)
• UPI (Google Pay, PhonePe, Paytm, etc.)
• Net Banking
• Wallets (Paytm Wallet, PhonePe, Mobikwik, etc.)
• Cash on Delivery (COD) – Available on select products and pincodes

All online payments are processed via trusted, PCI-DSS-compliant payment gateways to ensure data security.

2. 🛒 Order Confirmation

• Your order will be confirmed only after successful payment.
• In case of any payment failure, you will receive a notification and may retry the payment.
• For COD orders, confirmation may be requested via call/SMS/WhatsApp before dispatch.

3. 💼 Payment Security

We use encrypted SSL certificates and secure payment gateways to protect your personal and financial information. NHCRT does not store your card details or banking credentials.

4. 💸 Pricing & Taxes

• All product prices are listed in Indian Rupees (INR).
• Prices are inclusive of GST unless otherwise stated.
• Shipping charges (if applicable) are displayed separately at checkout.

5. ❌ Failed or Declined Transactions

If your payment fails:

• Please check with your bank or payment app for the issue.
• Try using an alternative payment method or contact our support team for assistance.

6. 🔁 Refunds (For Cancelled or Returned Orders)

• Prepaid orders eligible for a refund (due to cancellation, return, or stock issues) will be refunded to the original payment method within 5–7 business days.
• COD refunds will be issued via bank transfer after confirmation of bank details.
• Refund timelines may vary slightly depending on your bank or wallet provider.

7. 🧾 Invoices

A detailed digital invoice is provided with every order and sent via email and/or WhatsApp. Physical invoices are included in the shipment.

8. 📞 Need Help?

If you face any issues while making a payment or have questions about your transaction, contact our customer service:

• 📧 Email: nisargthakkar1988@gmail.com
• 📞 Phone: 9375470381
• 🕘 Support Hours: 11 AM – 6 PM (Mon–Sat)

NHCART is committed to providing a smooth, safe, and secure payment experience—whether you’re buying for worship or work.