Payment Options

At Puroque™, we believe shopping should be simple, secure, and stress-free. That's why we offer a wide variety of payment methods to suit your preferences—all protected by industry-leading security measures and fully compliant with RBI guidelines.

All transactions are processed in Indian Rupees (INR ₹) through our trusted, PCI DSS Level 1 certified payment partners.

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💳 Available Payment Methods

1. 📱 UPI (Unified Payments Interface) - Most Popular!

India's Favorite Digital Payment Method

UPI is the fastest, easiest, and most secure way to pay! Instant confirmation, zero transaction fees, and works with all major banks 24/7.

Supported UPI Apps:

• ✅ Google Pay (GPay)
• ✅ PhonePe
• ✅ Paytm
• ✅ BHIM
• ✅ Amazon Pay
• ✅ WhatsApp Pay
• ✅ All other UPI-enabled apps

How to Pay with UPI:

1. Select "UPI" as your payment method at checkout
2. Enter your UPI ID (e.g., yourname@paytm, yourname@googlepay) OR scan the displayed QR code
3. You'll receive a payment request notification on your UPI app
4. Open your UPI app and approve the payment using your UPI PIN
5. Done! Instant confirmation and your order is placed

✨ Why Choose UPI?

• ⚡ Instant payment confirmation
• 💰 Zero transaction fees
• 🔒 Highly secure with UPI PIN protection
• 🕐 Works 24/7, even on holidays
• 📱 No need to share card or bank details

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2. 💳 Credit & Debit Cards

Secure Card Payments with 3D Secure Protection

We accept all major credit and debit cards issued by Indian and international banks. All card transactions are encrypted and protected by advanced security measures.

Accepted Cards:

• ✅ Visa (Credit & Debit)
• ✅ Mastercard (Credit & Debit)
• ✅ RuPay (Debit & Credit)
• ✅ American Express
• ✅ Maestro
• ✅ Diners Club

How to Pay with Cards:

1. Select "Credit Card" or "Debit Card" at checkout
2. Enter your card details:
   • 16-digit card number
   • Cardholder name (as printed on card)
   • Expiry date (MM/YY)
   • CVV (3-digit code on back of card)
3. Complete 3D Secure authentication (OTP sent to your registered mobile/email)
4. Confirm payment and receive instant order confirmation

🔒 Your Card Security:

• 256-bit SSL encryption for all card data
• 3D Secure authentication with OTP verification
• PCI DSS Level 1 compliant payment gateway
• We NEVER store your CVV or full card number
• Automatic fraud detection systems

💡 EMI Options: No-cost and standard EMI available on select credit cards for orders above ₹3,000. EMI options will be shown at checkout if your card is eligible.

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3. 🏦 Net Banking

Direct & Secure Bank Transfer

Pay directly from your bank account through your bank's secure internet banking portal. Safe, reliable, and supported by 50+ Indian banks.

Supported Banks Include:

• State Bank of India (SBI)
• HDFC Bank
• ICICI Bank
• Axis Bank
• Punjab National Bank (PNB)
• Bank of Baroda
• Kotak Mahindra Bank
• IDBI Bank
• Yes Bank
• IndusInd Bank
• ...and 40+ more banks!

How to Pay via Net Banking:

1. Choose "Net Banking" at checkout
2. Select your bank from the list
3. You'll be redirected to your bank's secure login page
4. Log in with your internet banking credentials
5. Authorize the payment using your transaction password/OTP
6. Return to Puroque™ for order confirmation

✅ Benefits: Direct bank payment, no card required, secure bank-level authentication

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4. 👛 Digital Wallets

Quick One-Click Payments

Have a wallet balance? Use it to complete your purchase in seconds without entering bank or card details every time!

Supported Wallets:

• 💰 Paytm Wallet
• 📱 PhonePe Wallet
• 💳 Mobikwik
• ⚡ Freecharge
• 📞 Airtel Money
• 🛍️ Amazon Pay

How to Pay with Wallets:

1. Select your preferred wallet at checkout
2. You'll be redirected to the wallet app/website
3. Log in (if not already logged in)
4. Confirm payment from your wallet balance
5. Enter wallet PIN/OTP if required
6. Instant confirmation - order placed!

💡 Pro Tip: Wallets often offer cashback and rewards on payments!

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5. 💵 Cash on Delivery (COD)

Pay When You Receive Your Order

Prefer to see your product before paying? We've got you covered! Pay in cash to our delivery partner when your order arrives at your doorstep.

How COD Works:

1. Select "Cash on Delivery" at checkout
2. Complete your order with delivery details
3. Receive your package from our courier partner
4. Inspect the product (check packaging and contents)
5. Pay in cash to the delivery person
6. Get your receipt and enjoy your purchase!

📝 Important COD Notes:

• Available for most products and locations (availability shown at checkout)
  
• OTP or phone verification required for COD orders
• Please keep exact change ready to help our delivery partners
• COD orders must be accepted - repeated order rejections may affect future COD eligibility
• Refunds for returned COD orders processed via bank transfer/UPI (see Refund Policy)

✅ Benefits: Zero payment risk, inspect before paying, no online transaction needed

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🔐 Your Payment Security - Our Top Priority

Every transaction on Puroque™ is protected by multiple layers of security:

Your payment information is processed through secure, encrypted channels by our certified payment partners. We never see or store your sensitive financial data.

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✅ After Payment - What Happens Next?

Once your payment is successfully processed, here's what you'll receive:

Instant Confirmation

• ✅ Order confirmation page displayed immediately on your screen
• 📧 Order confirmation email within 2-5 minutes
• 📱 SMS confirmation to your registered mobile number

Your Confirmation Includes

• 📦 Unique order number (save this for tracking!)
• 🛍️ Complete list of items purchased
• 📍 Confirmed delivery address
• 📅 Estimated delivery date (2-5 business days)
• 💳 Payment method and transaction details
• 🧾 Tax invoice (also included in your package)

⚠️ Didn't receive confirmation?

1. Check your spam/junk email folder
2. Wait 30 minutes for email delivery
3. Check your SMS inbox
4. Contact us immediately at support@puroque.com or +91-9058864914

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⚠️ Payment Issues? We're Here to Help

Payment Failed but Money Was Deducted

Don't panic! This is usually a temporary authorization hold by your bank:

• 💰 The amount will be automatically refunded within 5-7 business days
• 🏦 This is a bank-side hold, not an actual deduction
• 📧 If not refunded within 7 days, email us with your transaction ID
• ⚡ We'll investigate and coordinate with the payment gateway immediately

Payment Gateway Errors

Try these quick fixes:

• 🔄 Refresh the page and try again
• 🧹 Clear your browser cache and cookies
• 🌐 Try a different browser (Chrome, Firefox, Safari)
• 💳 Try an alternative payment method
• 💰 Verify sufficient balance/credit limit
• 📱 For mobile: Try on desktop/laptop or vice versa

Card Declined

Common reasons and solutions:

• ❌ Incorrect details: Double-check card number, expiry date, CVV
• 🚫 Online transactions disabled: Contact your bank to enable online payments
• 💸 Insufficient balance: Check your available balance/credit limit
• 🌍 International card: Ensure international transactions are enabled
• 🔒 Bank security block: Your bank may have flagged the transaction - call them to authorize
• ⏰ Expired card: Check if your card is still valid

UPI/Net Banking Issues

• ✅ Ensure bank account is active with sufficient balance
• 🔌 Check if your bank's app/website is working
• 📶 Verify stable internet connection
• ⏰ Try again after 5-10 minutes (bank servers may be busy)
• 🔄 Restart your UPI app if notification doesn't appear

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📄 When Contacting Support About Payments

To help us resolve your issue quickly, please provide:

• ✓ Your order number (if order was placed)
• ✓ Transaction ID or payment reference number
• ✓ Payment method used (UPI/Card/Net Banking/etc.)
• ✓ Date and time of transaction attempt
• ✓ Screenshot of error message (if any)
• ✓ Bank name (for UPI/Net Banking issues)
• ✓ Last 4 digits of card (for card issues - never share full number!)

⚡ We respond to payment issues within 2-4 hours during business hours, often faster!

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🔄 Refunds & Cancellations

For detailed information about refunds and order cancellations:

• 📋 Return & Refund Policy - Complete refund process and timelines
• 📜 Terms of Service - Complete terms and conditions

Quick Refund Info:

• ⏰ Processing Time: 5-7 business days after approval
• 💳 Online Payments: Refunded to original payment method (card/UPI/wallet)
• 💵 COD Orders: Refunded via bank transfer (NEFT/IMPS) or UPI
• 🏦 Bank Processing: Additional 3-7 days for funds to appear in account

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💰 Payment Currency

All prices on Puroque™ are in Indian Rupees (INR ₹).

Using an international card?

• Your bank will convert INR to your local currency
• Currency conversion fees may apply (charged by your bank)
• International transaction fees may apply (charged by your bank)
• Please check with your bank/card issuer for exact charges

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❓ Frequently Asked Questions

Is it safe to save my card for future purchases?

Yes! Card tokenization (saving cards) is managed by RBI-compliant payment gateways using secure tokenization. Your actual card details are never stored - only a secure token is saved for your convenience.

Can I use multiple payment methods for one order?

Currently, we support one payment method per order.

Do you charge any transaction fees?

No! We don't charge any transaction fees for online payments (UPI/Cards/Net Banking/Wallets). 

Can I change my payment method after placing an order?

Unfortunately, payment method cannot be changed after order confirmation. If you need to change it, you'll need to cancel the order (if not yet shipped) and place a new one.

How do I get my GST invoice?

Your tax invoice is:

• Sent to your email after payment confirmation
• Included physically in your package
  

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📞 Need Help? We're Here!

Payment questions? Technical issues? Our friendly support team is ready to assist you!

📍 Our Address:
607, Block A, Industrial Area, Sector 62
Noida, Uttar Pradesh 201309, India

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Puroque™: Premium Finds, Honest Prices

Thank you for choosing Puroque™! We're committed to making your payment experience as smooth and secure as possible. Shop with confidence, every time.

🛍️ Start Shopping Now