Payment Policy

PAYMENT POLICY

The Food Premium mobile application and online storefront portal are operated exclusively by Srikara Dairy and Frozen Foods. This Payment Policy outlines the commercial guidelines and transactional terms governing all retail customer checkouts made on our platform.

1. Direct Merchant Settlement
Our platform operates on a strictly independent, unbranded software model. 100% of the funds spent by consumers on this application bypass external marketplace aggregators and are routed directly into the commercial bank accounts owned by Srikara Dairy and Frozen Foods.

2. Accepted Modes of Payment
To provide a fast and secure checkout experience, our platform handles electronic settlements exclusively through Indian domestic banking channels:
a) Unified Payments Interface (UPI): Including Google Pay, PhonePe, Paytm, BHIM, and net-banking linked UPI applications.
b) Cards: All domestic Visa, Mastercard, and RuPay debit or credit cards.
c) Net Banking: Secure routing across major commercial retail banking institutions in India.

3. Transaction Security & Data Encryption
We treat financial safety with the highest priority:
a) Srikara Dairy and Frozen Foods does not collect, log, parse, or store credit card numbers, CVVs, UPI PINs, or online banking passwords on any internal database servers.
b) All payment sessions are encrypted utilizing Secure Socket Layer (SSL) technology and processed securely through PCI-DSS compliant merchant gateway infrastructure provided by Razorpay.

4. Transaction Discrepancies & Payment Failures
In the event that funds are debited from a user's bank account but the order status fails to register as "Success" inside the Food Premium app, the money is held securely within the gateway clearing network. Mismatched transactions are automatically auto-refunded to the customer's original source bank account within 3 to 5 business days by Razorpay.