Payment Policy

Welcome to Spikers. This Payment Policy outlines the terms and conditions related to payments processed on our website spikers.in via our primary payment gateway provider, Razorpay.

By placing an order or making a purchase on our website, you agree to the terms outlined below.

1. Supported Payment Methods

To offer a smooth checkout experience, we accept a wide variety of payment options through Razorpay:

Credit & Debit Cards: Visa, Mastercard, American Express, RuPay, Maestro, and Diners Club.
UPI (Unified Payments Interface): Google Pay, PhonePe, Paytm, BHIM, and other UPI-enabled apps.
Net Banking: Support for 50+ major banks across India.
Digital Wallets: Paytm, Mobikwik, Freecharge, Airtel Money, Amazon Pay, etc.
EMI Options: Available on select credit/debit cards as indicated during checkout.
Buy Now Pay Later (BNPL): Available through partner providers supported on Razorpay.

2. Pricing and Currency

All prices listed on our website are in Indian Rupees (INR - ₹) unless explicitly stated otherwise.
Prices are inclusive/exclusive of applicable taxes (e.g., GST) as specified on the product page and checkout summary.
We reserve the right to change product prices, fees, and charges at any time without prior notice. However, once an order is successfully placed, the agreed-upon price will remain fixed for that transaction.

3. Payment Processing & Security

Transaction Authorization: Payments are processed immediately upon checkout. You warrant that you are authorized to use the payment method provided.
Data Security: We do not store your sensitive payment details (such as full credit/debit card numbers, CVV, or banking PINs) on our servers. All transaction details are directly handled and encrypted by Razorpay, which is fully compliant with PCI-DSS Level 1 standards.

4. Failed or Pending Transactions

Money Debited but Order Not Placed: In rare instances of network glitches or bank timeouts, your payment may be debited without an order confirmation being generated.
- In most cases, bank servers automatically refund such debits within 3 to 7 working days.
- If the amount is not credited back within 7 working days, please reach out to us at info@spikers.in with your payment reference number or transaction ID.

5. Refunds, Returns, and Cancellations

Payment refunds for order cancellations or eligible returns are processed back to the original payment method used during checkout.

Refund Processing Time: Once a refund is approved by us, Razorpay initiates the credit within 1 to 3 business days. Depending on your bank or card issuer, it may take 5 to 7 working days to reflect in your account statement.

6. Billing and Invoice

A digital receipt/tax invoice will be issued and sent to your registered email address upon successful completion of your payment. You can also download your invoice directly from your account dashboard on spikers.in.

7. Contact Us

If you have any questions, concerns, or unresolved payment issues, please contact us at:

Email: info@spikers.in
Phone: +91 8754477287
Address: Plot No. 6, Pillayar Koil Street, Sainagar, Kaspapuram, Chennai - 600126