Payment Policy

CLOWE SHOP — www.cloweshop.com

Operated by CLOWE PARTNERS LLP.

Last updated: 16 October 2026

This Policy forms part of the Terms and Conditions of Use, the Customer Terms of Sale and the Vendor Terms and Seller Agreement.

1. Accepted Modes of Payment

1.1 Payment may be made through the modes made available on the Platform from time to time, which presently include:

• Credit cards and debit cards (Visa, Mastercard, RuPay, American Express);
• Net banking;
• Unified Payments Interface (UPI);
• other modes as offered by our payment partner from time to time; and
• Cash on Delivery (COD), where available for the destination PIN code and the order value, subject to Clause 6.

1.2 The Company may add, modify, suspend or withdraw any payment mode at any time without liability.

1.3 All prices and payments are in Indian Rupees (INR).

2. Capacity in Which Payment is Collected

2.1 The Platform operates on a marketplace model. The sale consideration is payable by the Customer to the Vendor.

2.2 Amounts are collected by the Company, or through a payment aggregator authorised by the Reserve Bank of India, for and on behalf of the Vendor, as the Vendor’s limited collection agent.

2.3 Payment made through such channel constitutes a valid and complete discharge of the Customer’s payment obligation to the Vendor. The Customer is not required to make any further payment to the Vendor in respect of that order.

3. Payment Processing and Security

3.1 Online payments are processed by payment aggregators, payment gateways and banks authorised by the Reserve Bank of India under the Guidelines on Regulation of Payment Aggregators and Payment Gateways. Funds are held in a nodal or escrow account operated in accordance with those directions.

3.2 The Company does not store complete card credentials. Card data is tokenised in accordance with the card-on-file tokenisation framework of the Reserve Bank of India. Where a Customer elects to save a card, only a token and the last four digits are retained.

3.3 Transactions are secured by SSL/TLS encryption and are subject to two-factor authentication where mandated.

3.4 The Customer’s use of a payment mode is additionally governed by the terms of the concerned payment service provider, card network and issuing bank, to which the Company is not a party.

3.5 The Customer warrants that the instrument or account used is lawfully held by the Customer, or used with the express authority of its holder.

4. Authorisation, Decline and Failure

4.1 An order is processed only on successful authorisation of payment. Where authorisation fails or is declined, the order is not confirmed.

4.2 The Company is not liable for any failure, delay, decline, interruption or double debit attributable to the Customer’s bank, card issuer, payment aggregator, UPI handle, network or telecommunication service provider.

4.3 Where an amount is debited without a corresponding order confirmation, it is ordinarily auto-reversed by the payment service provider within 5–7 working days. Where it is not, the Customer may raise the matter with Customer Support with the transaction reference, and the Company shall take it up with the payment service provider.

4.4 The Company may decline, hold or reverse a transaction where fraud, money laundering, chargeback abuse or a breach of Applicable Law is suspected, or where a direction to that effect is received from any authority.

5. Price, Taxes and Invoicing

5.1 The total price displayed includes all compulsory and ancillary charges, in compliance with Rule 4(3) of the Consumer Protection (E-Commerce) Rules, 2020. No shipping, handling or COD charge is levied on the Customer.

5.2 Prices are inclusive of applicable Goods and Services Tax, unless stated otherwise on the product page.

5.3 A tax invoice issued by the Vendor, compliant with the Central Goods and Services Tax Act, 2017, is enclosed with the consignment and made available under “My Orders”.

5.4 Where a Customer requires input tax credit, a valid GSTIN must be furnished at the time of placing the order. A GSTIN cannot be added to an invoice after the order is placed.

5.5 The selling price shall not exceed the declared maximum retail price. The Vendor determines the selling price in its sole discretion; the Company does not influence or mandate it.

6. Cash on Delivery

6.1 COD is available only for selected PIN codes and order values from INR 1,000 up to INR 5,000. Availability is displayed at checkout.

6.2 No COD handling charge is levied.

6.3 The exact amount shown on the invoice must be paid to the delivery agent at the time of delivery. The delivery agent is not obliged to carry change.

6.4 Where the delivery agent accepts digital payment at the doorstep, a payment confirmation must be obtained.

6.5 Repeated refusal to accept COD consignments may result in withdrawal of the COD facility and suspension of the account.

7. Discounts, Coupons and Promotional Offers

7.1 Coupons, promotional codes, cashback and bank offers are subject to the specific terms of each offer, including validity period, minimum order value, eligible products, eligible payment instruments and usage limits.

7.2 Offers cannot be combined unless expressly stated, are not transferable, and are not exchangeable for cash.

7.3 Cashback and bank offers are extended by the concerned bank or issuer and are credited in accordance with that bank’s timelines and terms. The Company is not liable for a bank’s failure to credit a cashback.

7.4 Where a benefit is availed through a fraudulent, abusive or technically manipulated transaction, the Company may cancel the order, recover the benefit, and suspend the account.

8. Refunds

8.1 Refunds are made in accordance with the Cancellation Policy and the Return, Exchange and Refund Policy.

8.2 Refunds are made to the original mode of payment, save for COD orders, which are refunded by bank transfer to an account in the Customer’s own name. Refunds are not made in cash.

8.3 Refund of a prepaid transaction is initiated within the timeline stated in the applicable policy; credit to the Customer’s account thereafter is governed by the timelines of the issuing bank, card network or payment service provider.

8.4 Refund is of the net amount actually paid after application of any discount, coupon or promotional credit.

9. Chargebacks

9.1 Where a Customer initiates a chargeback with the issuing bank, the Company shall furnish the transaction and delivery records to the bank.

9.2 The Customer is requested to raise a grievance through the Customer Support and Grievance Policy before initiating a chargeback, as a resolution is frequently faster.

9.3 Where a chargeback is found to be unjustified or fraudulent, the Company may recover the amount, withdraw payment facilities and suspend the account, without prejudice to any other remedy.

10. Vendor Settlement and Taxes

10.1 Settlement of sale proceeds to Vendors is governed by Clause 6 of the Vendor Terms and Seller Agreement.

10.2 The Company collects tax at source under Section 52 of the Central Goods and Services Tax Act, 2017 and deducts tax at source under Section 194-O of the Income-tax Act, 1961, on sales facilitated through the Platform, and furnishes the prescribed statements.

11. Grievances

11.1 Payment-related grievances may be raised in accordance with the Customer Support and Grievance Policy, and are acknowledged within forty-eight (48) hours and redressed within one (1) month.

11.2 A Customer aggrieved in relation to a digital payment transaction may also approach the grievance officer of the concerned payment system participant, and thereafter the Reserve Bank of India Ombudsman under the Reserve Bank — Integrated Ombudsman Scheme, 2021.

11.3 Nothing in this Policy restricts the rights of a consumer under the Consumer Protection Act, 2019.