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Payment Policy

VINZI PAYMENT POLICY

Effective Date: [25th Aug 2026]
Last Updated: [16th Aug 2026]

This Payment Policy forms part of Vinzi's Terms & Conditions, Return & Refund Policy, Cancellation Policy, Shipping Policy, Privacy Policy, and other applicable policies.

By placing an order through Vinzi, the customer agrees to comply with the applicable payment conditions displayed during checkout.

1. PAYMENT METHODS

Vinzi may provide one or more of the following payment methods depending on product, location, order value, availability, and other operational conditions:

  • UPI
  • Credit Cards
  • Debit Cards
  • Net Banking
  • Digital Wallets
  • Other electronic payment methods supported at checkout
  • Cash on Delivery (COD), where specifically available
  • The payment methods available for a particular order will be displayed during checkout.
  • Vinzi reserves the right to make certain payment methods unavailable for particular products, categories, locations, order values, promotions, or operational circumstances, subject to applicable law.

2. PAYMENT GATEWAY — PAYU

Vinzi uses PayU as its payment gateway/payment processing service for applicable online transactions.

Online payments may be processed through PayU's payment infrastructure and the relevant banking, card, UPI, wallet, or other payment networks.

Depending on the payment method selected, the transaction may involve:

  • PayU;
  • customer's bank;
  • card network;
  • issuing bank;
  • acquiring bank;
  • UPI infrastructure;
  • wallet provider; or
  • another authorized payment service provider.
  • Vinzi does not independently control the processing time, authorization, settlement, reversal, or technical availability of third-party banking and payment systems.

3. PAYMENT SECURITY

Customers should complete payments only through the official Vinzi checkout/payment interface.

Vinzi will not ask customers to disclose sensitive authentication information such as:

  • UPI PIN;
  • ATM PIN;
  • card PIN;
  • CVV;
  • OTP;
  • banking password;
  • net-banking password; or
  • other confidential authentication credentials
  • through customer support, delivery personnel, social-media messages, or unofficial communication channels for the purpose of processing an ordinary order or refund.
  • Customers should never share such information with another person.

4. PREPAID PAYMENT

Certain Vinzi products or orders may be designated as PREPAID ONLY.

Where an order is marked prepaid-only before checkout, the customer must complete payment through an available electronic payment method.

  • Cash on Delivery will not be available for an order clearly identified as prepaid-only.
  • The prepaid-only requirement may be applied for legitimate operational reasons, including:
  • product category;
  • product value;
  • fulfillment cost;
  • delivery cost;
  • logistics restrictions;
  • return-to-origin risk;
  • location;
  • promotional conditions;
  • payment-processing requirements; or
  • other legitimate operational requirements.
  • Prepaid-only status does not remove any statutory consumer right or legally required remedy.

5. CASH ON DELIVERY

COD may be available only for products and locations where Vinzi expressly offers COD at checkout.

  • COD availability may depend on:
  • product;
  • order value;
  • delivery location;
  • customer location;
  • serviceability;
  • logistics availability;
  • previous delivery performance;
  • operational considerations;
  • promotional conditions; and
  • other legitimate factors.
  • The absence of COD at checkout means that the order must be paid through an available prepaid method.
  • Customers must not attempt to force COD availability where it is not displayed at checkout.

6. ORDER CONFIRMATION

  • An order is considered successfully paid only after Vinzi receives appropriate confirmation of successful payment or otherwise confirms the transaction.
  • Merely initiating a payment does not necessarily mean that payment has been successfully completed.
  • An order may remain pending until the relevant payment status is confirmed.

7. PAYMENT FAILURE

A payment may fail because of:

  • insufficient funds;
  • bank rejection;
  • incorrect payment details;
  • UPI failure;
  • card decline;
  • authentication failure;
  • payment gateway error;
  • network interruption;
  • bank downtime;
  • transaction limits;
  • payment-method restrictions;
  • security checks;
  • technical issues; or
  • other reasons outside Vinzi's reasonable control.
  • If payment fails, the customer may retry using an available payment method.

8. MONEY DEBITED BUT ORDER NOT CONFIRMED

  • If the customer's bank/payment account is debited but Vinzi does not receive confirmation of a successful transaction, the customer should not immediately make repeated payments without checking the order/payment status.
  • The transaction may be:
  • pending;
  • successful but awaiting confirmation;
  • failed;
  • reversed; or
  • otherwise under processing.
  • Vinzi may verify the transaction with the applicable payment gateway, bank, or payment provider.
  • If the payment is ultimately determined to have failed but the customer's account was debited, the applicable amount may be reversed/refunded through the relevant payment/payment-network process, subject to the applicable banking/payment timelines.
  • 9. DUPLICATE PAYMENT
  • If a customer accidentally makes multiple successful payments for the same order, Vinzi may verify the duplicate transaction.
  • Where a duplicate payment is confirmed, the additional eligible amount may be refunded or otherwise resolved through the applicable payment mechanism.
  • Customers should retain:
  • payment reference number;
  • transaction ID;
  • order number;
  • payment date/time; and
  • other relevant transaction information.

10. PAYMENT STATUS

Payment status may be displayed as:

  • Pending;
  • Processing;
  • Successful;
  • Failed;
  • Cancelled;
  • Refunded;
  • Partially Refunded;
  • Reversed; or
  • another status determined by the payment system.
  • The final payment status may depend on confirmation received from the applicable payment gateway, bank, or payment network.

11. PAYMENT REVERSALS

  • Certain failed or incomplete transactions may automatically be reversed by the payment gateway, bank, card issuer, UPI provider, or other payment institution.
  • The time required for a reversal may vary depending on the relevant financial institution and payment method.
  • Vinzi cannot guarantee the internal processing time of an independent bank or payment provider.

12. REFUNDS

  • Where a refund is approved under Vinzi's Return & Refund Policy or applicable law, Vinzi may initiate the refund through the applicable payment mechanism.
  • Where technically and legally possible, prepaid refunds will generally be processed to the original payment method.

The actual time taken for the funds to appear in the customer's account may depend on:

  • PayU;
  • customer's bank;
  • card issuer;
  • UPI provider;
  • wallet provider;
  • payment network; or
  • other financial institution.

13. COD REFUNDS

  • Where a COD transaction qualifies for a monetary refund, Vinzi may request appropriate bank-account or UPI information to process the refund.
  • Customers must provide accurate information.
  • Vinzi will never require a customer to provide:
  • UPI PIN;
  • OTP;
  • card PIN;
  • CVV;
  • banking password; or
  • other confidential authentication information

14. REFUND TO ORIGINAL PAYMENT METHOD

  • Where the payment system permits it, prepaid refunds may be processed to the same payment method used for the original transaction.
  • Depending on the payment method and applicable technical limitations, Vinzi may use another legally permissible refund mechanism where necessary.

15. PAYMENT GATEWAY FEES

  • Where applicable, payment-processing charges may be incorporated into the transaction pricing or separately disclosed at checkout.
  • Vinzi will not impose undisclosed charges on customers.
  • Any applicable convenience, handling, payment, or other charges will be displayed or disclosed as required before order confirmation.

16. PROMOTIONAL PRICING

The amount payable at checkout may reflect:

  • product discounts;
  • promotional offers;
  • coupons;
  • cashback;
  • bundle pricing;
  • promotional gifts;
  • loyalty benefits; or
  • other applicable offers.
  • Customers are responsible for reviewing the final payable amount displayed before confirming payment.

17. COUPONS AND PAYMENT

Coupons or promotional codes may be subject to specific conditions, including:

  • minimum order value;
  • eligible products;
  • eligible categories;
  • payment method;
  • maximum discount;
  • usage limits;
  • validity period;
  • customer eligibility; and
  • other conditions.
  • A coupon may become unavailable after cancellation or return where the promotional terms permit such treatment.

Promotional terms do not override mandatory consumer rights.

18. PAYMENT FOR NON-RETURNABLE PRODUCTS

  • Customers acknowledge that certain products, including grocery, food, consumable, hygiene-sensitive, and other specified products, may be designated as non-returnable for voluntary returns.
  • Customers should review the product's return status before completing payment.
  • Non-returnability does not eliminate a legally required remedy for defective, damaged, expired, incorrect, unsafe, counterfeit, or materially non-conforming products.

19. PAYMENT FOR PREPAID-ONLY PRODUCTS

  • Where an item is identified as PREPAID ONLY, the customer must complete online payment before the order can be confirmed.
  • The order will not ordinarily be dispatched unless the payment status is successfully confirmed.
  • If Vinzi cannot fulfill a successfully paid order for reasons attributable to Vinzi, the applicable refund will be processed according to Vinzi's refund procedure and applicable law.

20. PAYMENT FRAUD PREVENTION

Vinzi may use reasonable measures to detect and prevent:

  • fraudulent transactions;
  • unauthorized transactions;
  • stolen payment instruments;
  • suspicious payment activity;
  • multiple fraudulent accounts;
  • refund abuse;
  • chargeback abuse;
  • payment manipulation; and
  • other unlawful activity.
  • An order may be placed on hold, cancelled, or subjected to additional verification where reasonably necessary for fraud prevention, subject to applicable law.
  • Vinzi may request reasonable transaction verification but will not request confidential authentication credentials such as UPI PINs, OTPs, card PINs, passwords, or CVVs through ordinary customer-support communications.

21. PAYMENT DISPUTES

If a customer believes that a payment was incorrectly processed, the customer should retain the transaction details and use Vinzi's official customer-support channel.

The following information may be required:

  • Order number;
  • transaction ID;
  • payment reference number;
  • payment method;
  • transaction date;
  • transaction amount; and
  • relevant bank/payment confirmation.
  • Vinzi may coordinate with the applicable payment gateway, bank, payment network, or payment service provider to investigate the transaction.

22. CHARGEBACKS

A chargeback is a payment reversal/dispute initiated through a card issuer, bank, payment provider, or applicable payment network.

If a customer initiates a chargeback, Vinzi may provide relevant transaction information to the applicable payment institution for investigation, subject to applicable law and privacy requirements.

Relevant information may include:

  • order information;
  • payment confirmation;
  • delivery records;
  • customer communications;
  • refund records;
  • transaction information;
  • product information; and
  • other records reasonably relevant to the dispute.
  • Vinzi does not prevent customers from exercising lawful rights available through their bank, card issuer, payment provider, or competent authority.

23. DUPLICATE REFUNDS OR PAYMENT ERRORS

  • If a technical, administrative, banking, payment-gateway, or other error results in a customer receiving an amount greater than the amount legally or contractually due, Vinzi may contact the customer to correct the error.
  • Any recovery or adjustment will be undertaken in accordance with applicable law.

24. THIRD-PARTY PAYMENT SYSTEMS

  • Vinzi is not responsible for delays, outages, failures, reversals, or technical issues caused solely by independent banks, payment networks, payment gateways, card issuers, UPI providers, wallets, or other third-party payment systems.
  • Vinzi will, where reasonably possible, assist customers in identifying the status of a payment processed through the Vinzi checkout system.

25. PAYMENT RECEIPTS

  • Customers should retain the order confirmation, invoice, payment confirmation, transaction reference, and other relevant records until the transaction and any applicable return/refund period have been completed.
  • Electronic records may be used to verify payment and transaction history.

26. PAYMENT SECURITY WARNING

  • Vinzi will never instruct customers to transfer money to an unrelated personal bank account merely to complete a normal Vinzi order unless the payment method is expressly and securely provided through Vinzi's official checkout process.
  • Customers should be cautious of individuals falsely claiming to represent Vinzi.
  • Do not make payments based solely on:
  • WhatsApp messages;
  • social-media messages;
  • phone calls;
  • unofficial links;
  • personal bank-account requests; or
  • instructions from unknown persons.
  • Use only the payment methods presented through the official Vinzi platform.

27. PAYU AS PAYMENT SERVICE PROVIDER

  • PayU provides payment-processing infrastructure for applicable Vinzi transactions.
  • The processing of a payment may also involve banks, card networks, UPI infrastructure, wallets, and other regulated or authorized financial/payment participants.
  • Payment processing remains subject to the applicable terms, security procedures, technical processes, and policies of the relevant payment service providers.

28. NO GUARANTEE OF PAYMENT AVAILABILITY

Vinzi does not guarantee that every payment method will be available at all times.

Payment methods may temporarily become unavailable because of:

  • maintenance;
  • technical failures;
  • bank outages;
  • payment-network issues;
  • security measures;
  • regulatory requirements;
  • service-provider limitations; or
  • other operational circumstances.
  • Vinzi may provide alternative payment methods where available.

29. PAYMENT POLICY AND APPLICABLE LAW

Nothing in this Payment Policy is intended to:

  • waive statutory consumer rights;
  • unlawfully restrict a customer's banking rights;
  • prevent a lawful payment dispute;
  • exclude mandatory refunds;
  • override applicable payment regulations; or
  • exclude liability that cannot legally be excluded.
  • Where applicable law requires a different procedure or remedy, the applicable law shall prevail.

30. CUSTOMER ACKNOWLEDGEMENT

By completing an order through Vinzi, the customer acknowledges that:

  • The final payable amount should be reviewed before payment.
  • Certain products may be prepaid-only.
  • COD may not be available for every product or location.
  • Payment confirmation may take time.
  • Banks and payment providers may have independent processing timelines.
  • Failed transactions may subsequently be reversed.
  • Refund processing may take time after initiation.
  • Certain products may be non-returnable for voluntary returns.
  • Return and refund eligibility is governed by Vinzi's applicable policies and applicable law.
  • Customers must use only official Vinzi payment channels.
  • Customers must not share OTPs, PINs, passwords, CVVs, or other confidential authentication information with anyone claiming to process a Vinzi payment or refund.

31. CONTACT FOR PAYMENT ISSUES

For payment-related assistance:

Vinzi Customer Support
Email: support@vinzi.in
Phone: +91 9424933128
Support Hours: 9:00 AM–9:00 PM, Monday–Friday

Customers should include their order number and payment transaction/reference ID when contacting Vinzi regarding a payment issue.