Payment & Security Policy

At Shopkwik, we are committed to providing a safe, secure, and smooth shopping experience for every customer. Protecting your payment information and personal data is one of our top priorities.

This Payment & Security Policy explains the payment methods we accept, how transactions are secured, and the measures we take to protect customer information.

 

1. Accepted Payment Methods

Shopkwik currently accepts the following payment options:

    • Credit Cards (Visa, MasterCard, American Express, RuPay)

    • Debit Cards from major Indian banks

    • Net Banking

    • UPI (Unified Payments Interface)

    • Digital Wallets such as PhonePe, Paytm, Google Pay, etc.

    • Cash on Delivery (COD) for eligible locations and selected orders

Please note:

    • COD availability may vary depending on the delivery PIN code and order value.

    • Additional handling charges may apply for COD orders where applicable.

 

2. Secure Payment Processing

All online transactions on Shopkwik are processed through trusted and secure third-party payment gateways.

These payment partners use advanced security technologies and encrypted payment systems to ensure safe processing of customer transactions.

For security reasons:

    • Shopkwik does not store complete debit card, credit card, UPI PIN, CVV, or banking details on its servers.

    • Sensitive payment information is processed directly through secure payment gateways.

 

3. SSL Encryption & Website Security

Our website uses SSL (Secure Socket Layer) encryption to protect customer information during transmission.

This helps secure:

    • Personal information

    • Login credentials

    • Payment details

    • Order-related communication

You can identify a secure connection by:

    • The “https://” prefix in the website address

    • The padlock icon visible in your browser address bar

 

4. PCI DSS Compliance

Our payment gateway partners follow industry-standard security protocols and are compliant with PCI DSS (Payment Card Industry Data Security Standard) requirements.

These standards are designed to help ensure secure handling of cardholder information and reduce the risk of payment fraud.

 

5. Fraud Prevention & Order Verification

To maintain a safe shopping environment, Shopkwik actively monitors transactions for suspicious or fraudulent activity.

In certain situations, we may:

    • Verify customer information before processing an order

    • Request additional confirmation for high-value transactions

    • Hold or cancel orders flagged as suspicious

Shopkwik reserves the right to refuse or cancel any order suspected of fraud, misuse, unauthorized transactions, or policy violations.

 

6. Customer Security Responsibilities

Customers are encouraged to follow safe online shopping practices, including:

    • Keeping account passwords confidential

    • Using secure devices and updated antivirus software

    • Avoiding suspicious emails, calls, or fake websites

    • Never sharing OTPs, CVV numbers, or banking passwords with anyone

Please note:

Shopkwik will never ask for your OTP, full card number, CVV, or banking password through phone calls, SMS, WhatsApp, or email.

 

7. Refund Security

For prepaid orders, approved refunds are generally processed back to the original payment method used during checkout.

This process helps ensure that refunds are securely credited to the rightful account holder.

Refund timelines may vary depending on the payment provider or bank processing time.

 

8. Third-Party Payment Services

While we work only with reliable payment service providers, Shopkwik is not directly responsible for:

    • Banking server downtime

    • Payment gateway technical failures

    • Transaction delays caused by financial institutions

    • OTP delivery issues from telecom providers

In such cases, customers may contact their respective bank or payment provider for additional support.

 

9. Contact Us

If you have any questions or concerns regarding payments, transaction security, or refund-related matters, please contact us:

Shopkwik
📞 +918866440003
📧 support@shopkwik.co.in

Customer Support Hours:
Monday to Friday — 9:30 to 18:00

 

Your trust matters to us, and Shopkwik remains committed to maintaining high standards of payment safety and customer data protection.