Payment Policy

ZOERAM Payment Policy

Effective Date: 12 July 2026
Last Updated: 12 July 2026

1. Introduction

This Payment Policy explains the payment methods, verification procedures, charges, security requirements, failed-payment handling, refunds and other payment-related conditions applicable to purchases made through ZOERAM.

By placing an order or making a payment through the ZOERAM website, you agree to this Payment Policy together with the applicable:

  • Terms of Service

  • Order Cancellation Policy

  • Shipping Policy

  • Return & Refund Policy

  • Privacy Policy

  • Product-specific conditions

  • Promotional terms displayed at the time of purchase

Nothing in this Payment Policy is intended to exclude, limit or restrict any statutory consumer right or remedy that cannot lawfully be excluded under applicable law.

2. Business Information

ZOERAM is an online retail store operating from India.

Brand Name: ZOERAM
Legal Owner/Business Name: Rihan Raza
Trading Name: ZOERAM
Principal Business Address: Akhtar Raza Circle, Davangere – 577001, Karnataka, India
Customer-Support Email: support@zoeram.com
WhatsApp Support: +91 9141051586
Customer-Support Hours: Monday to Saturday, 10:00 AM to 7:00 PM IST

3. Payment Currency

Unless otherwise expressly stated on the ZOERAM website, all product prices, charges, discounts, refunds and other payment amounts are displayed and processed in Indian Rupees.

Any currency-conversion fee, foreign transaction fee or similar charge imposed independently by a bank, card issuer or payment provider is governed by that provider’s terms.

4. Accepted Payment Methods

Customers must use a payment method displayed and authorized on the ZOERAM checkout page.

Available payment methods may include:

  • Unified Payments Interface

  • Credit cards

  • Debit cards

  • Net banking

  • Digital wallets

  • Cash on Delivery, where available

  • Other payment methods displayed at checkout

The availability of a particular payment method may depend on the product, order value, delivery PIN code, payment provider, website functionality or other operational considerations.

ZOERAM may add, remove, restrict or temporarily suspend a payment method where reasonably necessary.

5. Payment Through Authorized Checkout

Customers should complete payments only through the payment options presented on the official ZOERAM checkout page or through another payment process expressly confirmed through an official ZOERAM communication channel.

Customers should verify the website, payment details and transaction amount before authorizing a payment.

ZOERAM is not responsible for payments voluntarily made to an unrelated, unauthorized or fraudulent third party falsely claiming to represent ZOERAM, except to the extent responsibility cannot lawfully be excluded.

Any suspicious payment request should be reported promptly to ZOERAM and the relevant bank or payment provider.

6. Online Payment Processing

Online payments are processed through independent third-party payment gateways, banks, card networks, wallet providers or other payment-service providers.

ZOERAM may receive limited payment-related information, including:

  • Payment status

  • Transaction reference

  • Payment method

  • Amount paid

  • Refund status

  • Limited information needed to verify or reconcile a transaction

Payment credentials are processed according to the security practices, terms and privacy policies of the relevant payment provider.

ZOERAM does not require customers to provide complete payment credentials directly to customer support or the AI chatbot.

7. Payment Security

Customers must never share the following information with ZOERAM customer support, the ZOERAM AI chatbot or anyone claiming to represent ZOERAM:

  • One-Time Passwords or OTPs

  • UPI PINs

  • Card PINs

  • CVV numbers

  • Internet-banking passwords

  • Account passwords

  • Complete credit or debit card details

  • Account login credentials

ZOERAM will not ask customers to disclose such credentials to process a standard order, cancellation or refund.

Customers are responsible for protecting their devices, payment accounts, passwords and authentication credentials.

If a customer suspects unauthorized use of a payment method, the customer should promptly contact the relevant bank, card issuer, UPI application, wallet provider or payment-service provider and inform ZOERAM where the transaction relates to a ZOERAM order.

8. Order Placement and Payment Authorization

Placing an order and authorizing a payment do not automatically mean that the order has been finally accepted.

An order remains subject to:

  • Successful payment authorization

  • Payment verification

  • Product availability

  • Accurate customer information

  • Delivery serviceability

  • Fraud and security checks

  • Acceptance and processing by ZOERAM

An automated payment or order acknowledgment may confirm receipt of the transaction request but may not by itself constitute final order acceptance or dispatch.

9. Payment Verification

ZOERAM or its payment providers may verify a transaction before processing or fulfilling an order.

Verification may involve reviewing:

  • Payment status

  • Transaction reference

  • Customer and order details

  • Billing and shipping information

  • Fraud or security indicators

  • Payment-provider confirmation

  • Other information reasonably necessary to confirm the transaction

ZOERAM may place an order on hold, request reasonable verification information, reject the transaction or cancel the order where payment cannot be successfully verified.

Customers must not send OTPs, PINs, passwords, CVVs or complete card details for verification.

10. Successful Payment but Unconfirmed Order

A payment being debited does not by itself guarantee that an order has been confirmed or accepted.

If payment is debited but the order is not confirmed, the customer should:

  • Check the order status

  • Check the registered email address, phone messages or other available confirmation channel

  • Contact support@zoeram.com

  • Provide the transaction reference and relevant order details

Customers should not provide sensitive payment credentials when reporting the issue.

ZOERAM will review the available transaction records and coordinate with the relevant payment provider where reasonably necessary.

If the payment is confirmed but the order cannot be fulfilled, any eligible amount received will be handled according to the applicable refund process.

11. Failed Payments

A payment may fail because of reasons including:

  • Insufficient funds

  • Incorrect payment information

  • Authentication failure

  • Bank or card restrictions

  • UPI or wallet issues

  • Payment-provider downtime

  • Network interruption

  • Technical or system errors

  • Transaction limits

  • Security checks

  • Expired payment sessions

Where a payment fails, the order may remain unconfirmed or may not be processed.

Customers may attempt payment again using an available payment method after checking whether the earlier transaction was successfully completed.

Customers should avoid repeatedly authorizing payments without first checking the status of previous attempts.

12. Pending Payments

A payment may temporarily appear as pending while the bank, payment gateway, card network, UPI service, wallet provider or another payment provider confirms the transaction.

An order linked to a pending payment may remain unconfirmed until payment verification is completed.

ZOERAM cannot confirm fulfilment solely on the basis of a customer-side debit notification where the payment has not been successfully confirmed through the relevant transaction system.

13. Duplicate Payments

If a customer believes that the same order was charged more than once, the customer should contact support@zoeram.com and provide:

  • Full name

  • Relevant order number

  • Registered phone number or email address

  • Transaction references

  • Amounts and dates of the transactions

  • Supporting payment record or screenshot, where reasonably required

Customers must hide or remove OTPs, PINs, CVVs, passwords and complete card details from any supporting document.

ZOERAM will review the available transaction records.

Where an additional payment is verified as an eligible duplicate payment received by ZOERAM, the applicable duplicate amount will be processed according to the relevant refund procedure.

14. Cash on Delivery

Cash on Delivery may be available only for eligible:

  • Products

  • Order values

  • Delivery locations

  • PIN codes

  • Customers or order profiles

Cash on Delivery availability will be shown at checkout where applicable.

ZOERAM may verify a Cash on Delivery order through phone, SMS, email, WhatsApp, OTP or another reasonable verification method before processing it.

A verification OTP used only to confirm a Cash on Delivery order should not be confused with a banking or payment OTP. Customers must never share banking OTPs, UPI PINs, card PINs or other payment credentials.

15. Cash on Delivery Restrictions

ZOERAM may restrict, hold, reject or cancel a Cash on Delivery order where:

  • Verification is unsuccessful

  • Customer information is incomplete or inaccurate

  • The delivery location is not serviceable

  • Fraudulent or abusive activity is reasonably suspected

  • Multiple previous orders were refused or remained undelivered

  • The order exceeds an applicable eligibility limit

  • Cash on Delivery is unavailable for the selected product or location

  • Operational or security considerations reasonably require restriction

Any applicable Cash on Delivery charge will be clearly displayed during checkout before the order is confirmed.

16. Payment at Cash on Delivery

For a Cash on Delivery order, the customer must pay the applicable amount using a payment method accepted by the courier or delivery provider at the time of delivery.

Available payment options at delivery may depend on the courier partner and should not be assumed unless expressly offered.

Customers should verify the payable amount and package details before completing the Cash on Delivery payment.

Failure to complete the required payment may result in failed delivery or return of the shipment.

17. Prices, Taxes and Charges

The final payable amount may include:

  • Product price

  • Applicable taxes

  • Shipping charges

  • Cash on Delivery charges, where applicable

  • Convenience or other clearly disclosed charges, where applicable

  • Valid discounts or promotional benefits

The final payable amount will be displayed during checkout before the customer confirms the purchase.

Customers should review the order summary and final amount before authorizing payment.

No undisclosed charge should be treated as part of the confirmed checkout amount.

18. Price Changes

ZOERAM may change product prices, payment offers, discounts or charges for future purchases.

A later price reduction, promotion or offer does not automatically entitle a customer to a price adjustment on an order that has already been accepted.

A price change will not ordinarily affect an order already accepted, except where a genuine pricing, technical or system error has occurred.

19. Pricing and Technical Errors

ZOERAM makes reasonable efforts to display accurate prices and payment information.

However, genuine typographical, pricing, technical or system errors may occasionally occur.

If a material pricing or payment error is identified, ZOERAM may:

  • Correct the error

  • Contact the customer with available options

  • Request confirmation at the corrected price

  • Reject or cancel the affected order where permitted by applicable law

If an eligible prepaid order is cancelled because of such an error, the applicable amount received will be processed according to the relevant refund procedure.

20. Discounts, Coupons and Promotional Payments

Discount codes, coupons, promotional offers, rewards and payment-method offers may be subject to separate conditions, including:

  • Eligibility requirements

  • Minimum order value

  • Maximum discount

  • Selected products or categories

  • Usage limits

  • Validity dates

  • One-use restrictions

  • Payment-method requirements

  • Customer-specific eligibility

Unless expressly stated, offers may not be combined.

ZOERAM may reject, withdraw or correct a promotional benefit where there is a genuine technical error, unauthorized use, manipulation, fraud or violation of the disclosed promotional terms.

21. Order Modification and Payment Differences

A request to change a product, quantity, size, colour, variant, delivery address, payment method or another order detail may not always be possible after the order has been placed.

Where an approved modification changes the payable amount, ZOERAM may communicate the applicable payment or refund procedure.

Where a payment method cannot be changed, the customer may need to request cancellation before shipment and place a new order, subject to the Order Cancellation Policy.

Product pricing, payment-method availability and promotional eligibility for a new order may differ from the original order.

22. Order Cancellation and Refunds

Order-cancellation eligibility is governed by the ZOERAM Order Cancellation Policy.

If an eligible prepaid order is successfully cancelled before dispatch, the applicable refund will generally be processed to the original payment method used for the purchase.

Submitting a cancellation request does not automatically confirm cancellation or guarantee a refund.

An order will be treated as cancelled only after ZOERAM confirms the cancellation or the official order status shows successful cancellation.

23. Returns, Replacements and Refunds

Refunds connected with returned, damaged, defective, incorrect, missing or materially misdescribed products are governed by the ZOERAM Return & Refund Policy.

A refund will be processed only where the request is eligible and approved under the applicable policy and law.

Any inspection, evidence or verification requirement will be determined according to the Return & Refund Policy.

Where this Payment Policy and the Return & Refund Policy appear inconsistent regarding refund eligibility, the specific Return & Refund Policy will apply, subject to applicable law.

24. Refund Method

Eligible refunds will generally be processed to the original payment method used for the purchase.

Where refunding to the original payment method is not reasonably possible, ZOERAM may communicate another suitable and lawful refund method.

Customers do not need to share an OTP, UPI PIN, card PIN, CVV, password or complete card details to receive a standard refund.

Customers should immediately report any person requesting such credentials in connection with a claimed ZOERAM refund.

25. Refund Processing and Bank Delays

ZOERAM will initiate an approved refund according to the applicable Return & Refund Policy, Order Cancellation Policy or other relevant terms.

After initiation, the time required for the amount to appear may depend on:

  • The customer’s bank

  • Card issuer

  • Payment gateway

  • Card network

  • UPI application

  • Wallet provider

  • Other financial or payment-service provider

ZOERAM is not responsible for delays caused solely by an independent bank or payment provider, except to the extent responsibility cannot lawfully be excluded.

Customers may contact their bank or payment provider using the relevant refund or transaction reference where available.

26. Partial Refunds

A partial refund may apply where only part of an order is cancelled, returned, unavailable or approved for refund.

The refund amount may be adjusted according to:

  • The affected item or items

  • Applicable discounts

  • Bundle pricing

  • Promotional terms

  • Shipping or Cash on Delivery charges

  • Free gifts or promotional benefits

  • Other clearly disclosed and applicable conditions

Any adjustment will remain subject to the applicable policy, promotional terms and consumer law.

27. Unauthorized Transactions

If a customer notices a payment that they did not authorize, the customer should promptly:

  • Contact the relevant bank, card issuer, UPI application, wallet or payment provider

  • Follow the provider’s reporting and account-security procedure

  • Secure the affected payment account or credentials

  • Contact ZOERAM where the payment appears connected to a ZOERAM order

  • Provide the transaction reference and relevant non-sensitive information

ZOERAM may review its order and transaction records and may reasonably restrict or suspend the related order or account while the matter is investigated.

ZOERAM does not determine a bank’s final decision regarding an unauthorized-payment claim.

28. Payment Disputes and Chargebacks

Customers are encouraged to contact ZOERAM first regarding a payment or order issue so that the transaction can be reviewed and an appropriate resolution attempted.

A payment dispute or chargeback does not automatically determine the final rights of either party.

ZOERAM may provide relevant transaction, order, delivery, communication or refund records to the bank, payment provider or other authorized party handling the dispute, in accordance with the Privacy Policy and applicable law.

Fraudulent, misleading or abusive payment disputes may result in reasonable account restrictions, order cancellation or other action permitted by applicable law.

Nothing in this section limits a customer’s right to use a lawful payment-dispute or consumer-grievance process.

29. Payment Fraud and Misuse

ZOERAM may restrict, hold, reject, review or cancel a transaction or order where it reasonably suspects:

  • Payment fraud

  • Unauthorized use of a payment method

  • False customer information

  • Account takeover

  • Promotion abuse

  • Refund abuse

  • Cash on Delivery misuse

  • Duplicate or suspicious orders

  • Unauthorized resale

  • Other unlawful or harmful activity

ZOERAM may request reasonable non-sensitive information for verification.

Customers must never provide passwords, PINs, OTPs, CVVs or complete card credentials as part of such verification.

30. Third-Party Payment Services

Independent banks, payment gateways, card networks, UPI applications, wallet providers and other payment services may have their own:

  • Terms of use

  • Privacy policies

  • Security practices

  • Transaction limits

  • Processing procedures

  • Dispute processes

  • Refund-reflection periods

ZOERAM does not control every independent action, system or decision of a third-party payment provider.

However, this does not remove any responsibility that ZOERAM cannot lawfully exclude regarding payments accepted for ZOERAM orders.

31. Personal Information and Payment Records

Payment-related personal information will be handled according to the ZOERAM Privacy Policy.

ZOERAM may retain relevant transaction information for purposes including:

  • Order fulfilment

  • Payment reconciliation

  • Refund processing

  • Accounting and taxation

  • Fraud prevention

  • Security

  • Customer support

  • Dispute resolution

  • Legal and regulatory compliance

  • Establishing, exercising or defending legal claims

ZOERAM aims to retain only information reasonably necessary for the relevant purpose and period.

32. Customer Responsibilities

Customers are responsible for:

  • Providing accurate billing and contact information

  • Reviewing the order and payable amount before payment

  • Using an authorized payment method

  • Protecting payment credentials

  • Checking transaction status before repeating a payment

  • Reporting suspected fraud or unauthorized transactions promptly

  • Providing accurate non-sensitive transaction information when requesting support

  • Following the security guidance of their bank or payment provider

Customers must not knowingly use a payment method without proper authorization.

33. AI Chatbot and Payment Assistance

The ZOERAM AI chatbot may provide general information about payment methods, order status, refunds and store policies.

The chatbot:

  • May generate automated responses

  • May occasionally provide incomplete or inaccurate information

  • Does not make final decisions regarding payment disputes, refunds or suspected fraud

  • Cannot request OTPs, UPI PINs, card PINs, CVVs, passwords or complete card details

  • Does not replace manual verification by ZOERAM or the relevant payment provider

For a payment dispute, duplicate payment, unauthorized transaction, failed refund or another matter requiring manual review, customers should contact support@zoeram.com.

Where a chatbot response conflicts with an officially published ZOERAM policy or written confirmation from an authorized representative, the published policy or authorized confirmation will apply, subject to applicable law.

34. Complaints and Grievance Redressal

For a complaint regarding a payment, refund, duplicate transaction, failed order, Cash on Delivery issue or payment-related customer-support experience, please contact:

Grievance Officer: Rihan Raza
Designation: Grievance Officer – ZOERAM
Email: support@zoeram.com
WhatsApp/Contact Number: +91 9141051586
Customer-Support Hours: Monday to Saturday, 10:00 AM to 7:00 PM IST
Address: Akhtar Raza Circle, Davangere – 577001, Karnataka, India

Customers should include:

  • Full name

  • Relevant order number

  • Registered email address or phone number

  • Transaction reference

  • Payment date and amount

  • A clear description of the issue

  • Relevant non-sensitive supporting records

Customers must hide or remove passwords, OTPs, PINs, CVVs and complete card details from any supporting information.

35. Applicable Law and Consumer Rights

This Payment Policy is governed by the applicable laws of India.

Nothing in this Payment Policy is intended to exclude, limit or restrict:

  • Statutory consumer rights

  • Rights relating to unauthorized payment transactions

  • Rights regarding defective or misdescribed products

  • Rights regarding unfair trade practices

  • Any remedy or responsibility that cannot lawfully be excluded

Where any provision conflicts with a mandatory legal requirement, the mandatory legal requirement will prevail.

Customers remain free to approach any legally available court, consumer commission, regulator, payment-dispute mechanism or statutory grievance process having jurisdiction.

36. Changes to This Payment Policy

ZOERAM may update this Payment Policy to reflect changes in:

  • Available payment methods

  • Payment providers

  • Website functionality

  • Business operations

  • Security practices

  • Store policies

  • Legal or regulatory requirements

The revised policy will be posted with an updated “Last Updated” date.

Changes will apply from the stated effective date and will not ordinarily remove rights already accrued under an accepted order, except where required by applicable law.

37. Contact Us

For questions or assistance regarding payments, please contact:

Store Name: ZOERAM
Legal Owner/Business Name: Rihan Raza
Trading Name: ZOERAM
Customer-Support Email: support@zoeram.com
WhatsApp Support: +91 9141051586
Customer-Support Hours: Monday to Saturday, 10:00 AM to 7:00 PM IST
Principal Business Address: Akhtar Raza Circle, Davangere – 577001, Karnataka, India

When contacting ZOERAM about a payment, please provide your order number, registered contact information, transaction reference and a clear description of the issue.

Never include an OTP, UPI PIN, card PIN, CVV, password or complete card credentials in your message.