Payment Policy

At James Harper, we aim to provide a seamless, secure, and hassle-free shopping experience. This Payment Policy outlines the accepted payment methods, security protocols, and related terms for transactions made on our website https://jamesharper.in.

1. Accepted Payment Methods

We accept the following payment modes through trusted and secure payment gateways:

  • Credit Cards – Visa, MasterCard, American Express, RuPay
  • Debit Cards – All major Indian banks
  • UPI – Google Pay, PhonePe, Paytm, BHIM UPI
  • Net Banking – Supported by leading Indian banks
  • Wallets – Paytm, Freecharge, Mobikwik (if enabled)
  • Cash on Delivery (COD) – Available on eligible orders and locations
  • EMI Options – Available on select orders via Razorpay/PayU/Shopify Payments (where applicable)

All transactions are processed in Indian Rupees (INR).

2. Payment Security

We use industry-standard SSL encryption and PCI-DSS-compliant payment gateways to ensure your financial data remains secure. Your card or UPI details are not stored on our servers at any point.

3. Cash on Delivery (COD)

  • COD is available on selected products and pin codes.
  • A nominal COD fee may apply and will be displayed at checkout.
  • COD orders are confirmed via SMS or call and may be canceled if confirmation is not received.
  • Repeated COD order cancellations or rejections may lead to restriction of COD services for that account.

4. Order Confirmation & Invoice

  • Upon successful payment, an order confirmation with the invoice will be sent to your registered email and phone number.
  • If you do not receive confirmation within 24 hours, please contact our support team.

5. Payment Failure or Timeout

In the event of a payment failure:

  • If the amount is debited, it will be automatically refunded within 5–7 business days to the original payment method.
  • Please do not refresh or exit the browser during the payment process to avoid interruption.

6. Refunds for Canceled Orders

  • For prepaid orders canceled before dispatch, a full refund will be issued to the original payment method.
  • For COD orders, no charges are applied if canceled before shipping.

7. Fraud Prevention & Transaction Monitoring

We monitor all transactions for fraud and suspicious activity. We reserve the right to:

  • Cancel high-risk or suspicious orders.
  • Request identity verification prior to processing certain payments.

8. Contact Us

For payment-related assistance, you can reach out to our support team:

Email: support@jamesharper.in