Payment Policy

Payment & Refund Policy

Effective Date: 30 August 2026

At MISHeMALL, we want every payment and refund experience to be clear, secure, and transparent.

This Payment & Refund Policy explains the payment methods available on MISHeMALL, payment authorization, failed or pending transactions, order-payment issues, refund processing, refund timelines, and special considerations for customers purchasing from India and internationally.

Please read this policy carefully before completing your purchase.

Important: This policy explains payment and refund processing. Product return, replacement, eligibility, and order cancellation conditions are governed separately by the applicable Return & Cancellation Policy.

1. Payment Methods

MISHeMALL may provide one or more of the following payment options, depending on the customer's location, product, order value, payment gateway availability, and other applicable conditions:

• Credit Cards
• Debit Cards
• UPI
• Net Banking
• Other supported online payment methods displayed at checkout
• Cash on Delivery (COD), where available and eligible

The payment options available to you will be displayed during checkout.

Payment methods may differ between India and international destinations.

MISHeMALL may add, remove, suspend, or modify payment methods at any time based on payment-provider availability, operational requirements, regulatory requirements, or security considerations.

2. Online / Prepaid Payments

For prepaid orders, payment must be successfully authorized and confirmed before the order is processed for dispatch.

A payment is considered successful only when MISHeMALL or its authorized payment service provider receives confirmation that the transaction has been successfully completed.

Simply receiving a debit notification from a bank or payment application does not necessarily mean that the payment has been successfully received by MISHeMALL.

3. Payment Gateway & Third-Party Processing

Online payments may be processed through authorized third-party payment gateways, banks, card networks, or other payment service providers.

Depending on the payment method, your transaction may be subject to the terms, security procedures, verification requirements, and processing timelines of the relevant payment provider.

MISHeMALL does not store sensitive card information such as your complete card number, CVV, PIN, or banking credentials unless expressly permitted by applicable law and the relevant payment infrastructure.

Customers should never share:

• OTPs
• UPI PINs
• ATM/debit card PINs
• CVV numbers
• Internet banking passwords
• Payment passwords
• Other confidential banking credentials

with MISHeMALL personnel or any third party claiming to represent MISHeMALL.

4. Payment Authorization & Verification

For security and fraud-prevention purposes, MISHeMALL or its authorized payment partners may verify certain transaction details before accepting or processing an order.

An order may be placed on hold, delayed, declined, or cancelled where:

• Payment authorization fails.
• The payment appears suspicious or unauthorized.
• Additional verification is reasonably required.
• The payment information does not match the order information.
• A payment provider declines the transaction.
• The transaction violates applicable payment, banking, regulatory, or security requirements.

Where an order is cancelled because payment cannot be successfully verified or processed, any eligible amount already received will be handled according to the applicable refund procedure.

5. Payment Confirmation

After successful payment, customers may receive an order confirmation through available communication channels such as:

• Email
• SMS
• WhatsApp
• Customer account/order dashboard

Customers should retain their order confirmation and payment transaction details until the order has been successfully completed.

If you have been charged but have not received an order confirmation, please contact MISHeMALL Customer Support with your:

• Name
• Order details, if available
• Transaction ID / payment reference
• Date and approximate time of payment
• Payment method used

6. Failed, Pending or Unsuccessful Payments

Sometimes a payment may appear as:

• Failed
• Pending
• Processing
• Reversed
• Debited but order not confirmed

This can occur because of bank-server issues, payment gateway interruptions, network problems, timeout errors, authentication failures, or other technical circumstances.

If Your Account Was Debited but the Order Was Not Confirmed

Please do not immediately place the same order again.

First, check your order history and payment confirmation.

If the order is not confirmed but the amount has been debited, contact MISHeMALL Customer Support and provide the transaction reference.

MISHeMALL may verify the transaction with the relevant payment gateway or payment provider.

The time required for a failed or reversed transaction to be credited back may depend on the bank, card issuer, UPI provider, payment gateway, or other financial institution involved.

7. Cash on Delivery (COD)

Cash on Delivery is available only for eligible products, locations, and orders where the option is displayed at checkout.

MISHeMALL may restrict or disable COD availability based on:

• Delivery location
• Product category
• Order value
• Previous order history
• Courier availability
• Fraud or risk controls
• Operational limitations

COD availability is therefore not guaranteed for every order or customer.

Where COD is available, any applicable COD/service charge will be displayed during checkout.

8. COD Order Cancellation & Refusal

Customers should accept a COD order only when they genuinely intend to purchase the product.

Repeated cancellation or refusal of COD shipments may affect future COD eligibility.

If an order is already dispatched, cancellation or refusal may be subject to the applicable Return & Cancellation Policy and any applicable logistics charges.

MISHeMALL may restrict COD access for customers who repeatedly refuse or fail to accept COD deliveries.

9. Order Cancellation & Refund

Payment refunds resulting from an approved order cancellation will be processed according to the applicable cancellation terms.

The Return & Cancellation Policy determines whether an order can be cancelled and the conditions applicable to cancellation.

This Payment & Refund Policy determines how the approved refund is processed and where the money is returned.

Customers should therefore read both policies where a cancellation or return is involved.

10. Refund Eligibility

A refund is processed only when the applicable order, cancellation, return, or other transaction qualifies for a refund under MISHeMALL's applicable policies.

A payment being successfully received does not by itself create an automatic right to a refund.

Refund eligibility may depend on:

• The reason for the refund
• Applicable cancellation conditions
• Return eligibility
• Product condition
• Product-specific restrictions
• Order status
• Payment method
• Shipping status
• Applicable law
• Customs or import circumstances for international orders

For product returns and cancellations, please refer to the separate Return & Cancellation Policy.

11. Refund Processing After Approved Return

Where a refund depends on the physical return of a product, MISHeMALL may process the refund after:

1. The returned product is received;
2. The product and associated items are inspected where applicable;
3. The return is confirmed to meet the applicable eligibility requirements; and
4. The refund amount is determined under the applicable policy.

The refund process may therefore begin after the required verification or inspection has been completed, rather than immediately when a return request is submitted.

Submitting a return request does not itself constitute approval of a refund.

12. Refund to the Original Payment Method

Where technically possible and permitted by the payment provider, eligible refunds for prepaid orders will generally be returned to the original payment method used for the transaction.

For example:

• Card payment → original card/payment channel
• UPI payment → applicable original UPI/payment channel
• Net Banking → applicable original banking/payment channel
• Other online payment → applicable original payment channel

MISHeMALL may not be able to redirect a refund to a different payment method or an unrelated third-party account.

13. COD Refunds

For eligible COD orders, there is no prepaid amount to reverse through the original payment gateway.

Where a COD order qualifies for a refund, MISHeMALL may process the refund through an available electronic method, such as:

• Bank transfer/NEFT; or
• Another refund method communicated by MISHeMALL.

For bank-transfer refunds, customers may be required to provide accurate bank details.

For security and compliance purposes:

The bank account holder's name should correspond with the customer/order information where required.

MISHeMALL may decline to transfer a refund to an unrelated third-party bank account.

14. Refund Processing Time

Once a refund has been approved and initiated by MISHeMALL, the time required for the amount to appear in the customer's account depends on the payment method and the relevant bank/payment provider.

As a general indication:

• Credit/Debit Card: approximately 2–7 business days
• UPI: approximately 2–7 business days
• Net Banking: approximately 2–7 business days
• COD bank refund: approximately 3–7 business days after required bank details are successfully verified

These are estimated banking/payment-processing timelines and are not guaranteed credit dates.

The actual time may be longer due to weekends, bank holidays, payment-network processing, reconciliation, or other circumstances outside MISHeMALL's direct control.

15. Refund Status vs. Bank Credit

There is an important difference between:

Refund initiated by MISHeMALL

and

Refund credited to the customer's account.

Once MISHeMALL successfully initiates a refund, the transaction may still require additional processing by the payment gateway, card network, bank, UPI provider, or other financial institution.

If MISHeMALL confirms that a refund has been successfully initiated but the amount has not appeared within the expected timeframe, customers may contact their bank or payment provider with the refund reference/transaction information.

MISHeMALL will reasonably assist customers in verifying the refund status where the necessary transaction information is available.

16. Shipping Charges & Refunds

Whether original shipping charges are refundable depends on the reason for the refund and the applicable MISHeMALL policy.

Shipping charges may not be refundable where a customer cancels or returns an order for reasons attributable to the customer, subject to applicable law.

Where a refund arises from an error attributable to MISHeMALL, a damaged/defective product, incorrect product dispatch, or another qualifying circumstance, applicable shipping charges may be refunded in accordance with the relevant policy.

The separate Return & Cancellation Policy should be consulted to determine return/cancellation eligibility.

17. International Payments

MISHeMALL may accept payments from customers outside India through payment methods made available for the relevant destination.

International customers may see the transaction amount in the currency displayed during checkout or may be charged in another supported currency depending on the payment provider.

The customer's bank, card issuer, or payment provider may apply:

• Currency-conversion charges
• Foreign transaction fees
• Cross-border transaction fees
• Exchange-rate differences
• Other financial charges

Such charges are generally determined by the customer's financial institution and are outside MISHeMALL's control.

18. Currency Conversion

Where a customer's bank or payment provider converts the transaction into the customer's local currency, the exchange rate applied may differ from the exchange rate displayed by MISHeMALL.

Exchange rates can change between the time an order is placed and the time a refund is credited.

Therefore, the amount ultimately credited to an international customer's account may differ slightly from the original amount charged due to currency conversion or financial-institution charges.

MISHeMALL does not control exchange rates or foreign-exchange fees imposed by a customer's bank, card issuer, or payment provider.

19. International Refunds

For approved international refunds, MISHeMALL will generally initiate the refund through the applicable original payment channel, where technically possible.

International refunds may take additional time because the transaction can pass through:

MISHeMALL → Payment Gateway → Card/Payment Network → Customer's Bank/Financial Institution

Additional processing time may occur because of international payment settlement, currency conversion, banking procedures, weekends, public holidays, or intermediary financial institutions.

20. Customs Duties, Import Taxes & International Refunds

For international orders, the product price and shipping charge do not automatically include customs duties, import taxes, VAT/GST, brokerage charges, clearance fees, or other charges imposed by the destination country unless MISHeMALL expressly states otherwise at checkout.

International buyers are responsible for applicable destination-country charges where the shipping arrangement places those charges on the buyer.

This approach is consistent with common international ecommerce practice where the buyer may be responsible for destination-country import costs under a DAP-type arrangement.

Important Refund Consideration

A refund of the MISHeMALL order does not automatically mean that customs duties, import taxes, brokerage charges, or other destination-country charges will be refunded.

These amounts may have been collected by:

• Government customs authorities
• Tax authorities
• Local courier companies
• Customs brokers
• Other third parties

Whether such charges can be recovered depends on the applicable destination-country rules and the relevant authority or service provider.

Where MISHeMALL has not collected those charges, MISHeMALL cannot directly refund amounts paid by the customer to the destination country's customs authority, tax authority, courier, or broker.

This distinction is also recognized by major ecommerce platforms because import taxes already remitted to a customs authority may not always be recoverable.

21. International Refunds After Customs Refusal

If an international customer refuses to pay applicable customs duties, import taxes, brokerage fees, or other destination-country charges, the shipment may be delayed, held, abandoned, or returned to the sender.

Any refund in such circumstances will be considered under the applicable MISHeMALL policies and the circumstances of the shipment.

Any non-recoverable shipping, return-to-origin, customs, handling, or other charges may affect the amount refundable where permitted by applicable law and the relevant policy.

Refusing to pay destination-country import charges does not automatically qualify an order for a full refund.

22. Refunds for Payment Errors or Duplicate Payments

If a customer accidentally makes a duplicate payment for the same order, the customer should contact MISHeMALL Customer Support as soon as possible.

After verification, any confirmed duplicate payment may be refunded through the applicable payment channel, subject to transaction verification and payment-provider procedures.

Customers should provide the relevant transaction references to help MISHeMALL identify the duplicate transaction.

23. Promotional Discounts, Coupons & Offers

Where an order includes:

• Promotional discounts
• Coupons
• Discount codes
• Cashback
• Promotional credits
• Free products
• Other promotional benefits

the refund amount may be calculated based on the actual amount paid, applicable refund rules, and the terms of the relevant promotion.

A discount or promotional benefit may not necessarily be recoverable as cash.

Where a promotional offer has separate terms, those terms will also apply.

24. Refunds Where Payment Source Is Restricted

Certain payment methods, financial instruments, or transactions may have restrictions on refunds under applicable banking, payment-network, regulatory, or payment-provider rules.

Where a refund cannot technically or legally be returned through the original payment method, MISHeMALL may request appropriate information from the customer or use another permitted refund mechanism.

Any alternative refund method will be subject to verification and applicable legal/payment requirements.

25. Fraudulent, Unauthorized or Suspicious Transactions

MISHeMALL takes payment security seriously.

Where a transaction appears to involve:

• Fraud
• Unauthorized payment
• Stolen payment credentials
• Money laundering
• False information
• Payment manipulation
• Abuse of promotional offers
• Other unlawful or suspicious activity

MISHeMALL may place the transaction on hold, cancel the order, request verification, or take other appropriate action.

Where required, relevant information may be shared with payment providers, banks, law-enforcement authorities, or other competent authorities in accordance with applicable law.

26. Chargebacks & Payment Disputes

Customers are encouraged to contact MISHeMALL Customer Support first if they believe a payment, order, or refund has been incorrectly processed.

We will make reasonable efforts to investigate and resolve legitimate payment concerns.

If a customer initiates a chargeback or payment dispute through their bank or payment provider, MISHeMALL may provide relevant transaction, order, delivery, and communication records to the payment provider or financial institution for investigation.

This does not restrict any statutory rights available to customers under applicable law.

27. No Cash Refunds

MISHeMALL generally does not provide physical cash refunds for online orders.

Approved refunds will normally be processed electronically through the applicable original payment method or another permitted method where the original payment method cannot be used.

28. Refunds to Third-Party Accounts

For customer protection and payment-security purposes, MISHeMALL generally does not process refunds to unrelated third-party accounts.

Where a bank-transfer refund is required, MISHeMALL may request verification of the customer's account information before processing the refund.

29. Refund Communication

Customers may receive refund-related notifications through available communication channels, including:

• Email
• SMS
• WhatsApp
• Customer account
• Other official MISHeMALL communication channels

Customers should retain refund confirmation messages and reference numbers until the amount has been successfully credited.

30. What Customers Should Do If a Refund Has Not Arrived

If you have received confirmation that your refund has been initiated but the amount has not yet appeared:

Step 1

Check your bank/card/UPI/payment account.

Step 2

Allow the estimated processing period applicable to your payment method.

Step 3

Contact your bank or payment provider if the refund remains outstanding.

Step 4

Contact MISHeMALL Customer Support if you need assistance verifying the refund transaction.

Please provide the refund reference number or transaction details where available.

This allows us to investigate the transaction more efficiently.

31. Important Distinction Between Return, Cancellation & Refund

To avoid confusion:

Return Policy
Determines whether a delivered product may be returned and under what conditions.

Cancellation Policy
Determines whether an order may be cancelled and under what conditions.

Payment & Refund Policy
Explains how an approved refund is processed and returned to the customer.

These policies should be read together where applicable, but each policy governs its respective subject matter.

32. Compliance With Applicable Law

MISHeMALL will process payments and refunds in accordance with applicable Indian laws, banking/payment regulations, payment-network requirements, and other applicable legal requirements.

For international transactions, additional requirements may apply depending on the customer's country, payment method, transaction structure, and applicable local laws.

Nothing in this policy is intended to exclude or restrict any consumer right or legal remedy that cannot lawfully be excluded or restricted.

33. Policy Updates

MISHeMALL may update this Payment & Refund Policy from time to time to reflect changes in:

• Payment methods
• Payment providers
• Banking procedures
• Refund procedures
• International payment requirements
• Applicable laws and regulations
• Security practices
• Business operations

The latest version published on the MISHeMALL website will apply to future transactions, subject to applicable law.

34. Contact MISHeMALL

If you have a question about a payment, failed transaction, duplicate payment, refund status, or other payment-related matter, please contact MISHeMALL Customer Support.

When contacting us, please provide your Order Number and/or Payment Transaction ID whenever available.

Email: customer-support@mishemall.com

We recommend using the official MISHeMALL website or Help Center for payment-related assistance. Do not share your OTP, UPI PIN, card PIN, CVV, password, or other confidential payment credentials with anyone.

Our Commitment

At MISHeMALL, we believe that trust begins with transparency.

Our goal is to make every payment and refund process straightforward, secure, and easy to understand—whether you are shopping from India or from another country.

Thank you for choosing MISHeMALL.

Your trust matters to us.