Payment Policy

Welcome to Stylish Clothes. This Payment Policy outlines the terms, conditions, procedures, and guidelines governing payments made through our website. We are committed to providing customers with a secure, transparent, and reliable payment experience.

By placing an order on our website, you acknowledge that you have read, understood, and agreed to this Payment Policy.

1. BUSINESS INFORMATION

Business Name

Stylish Clothes

Business Address

Stylish Clothes
Unit No. 145, Industrial Logistics Zone
NH-16 Service Road, Near Santragachi Freight Terminal
Kolkata – 711109
West Bengal, India

Customer Support Email

contact@stylishclothes.online

Customer Support Phone

+91 7428730894

Customer Support Hours

Monday to Saturday
10:00 AM – 6:00 PM IST

2. PAYMENT SECURITY COMMITMENT

At Stylish Clothes, protecting customer payment information is a priority.

We utilize secure payment processing systems and work with reputable third-party payment service providers to facilitate transactions.

Customers should understand that payment processing may be performed by authorized payment gateways, banks, card networks, and financial institutions that maintain their own security standards and policies.

We do not intentionally collect or store complete payment card details on our own systems unless required for lawful operational purposes.

3. ACCEPTED PAYMENT METHODS

Depending on availability and location, customers may be able to make payments using:

Online Payment Methods

  • Credit Cards
  • Debit Cards
  • UPI Payments
  • Net Banking
  • Wallet Services
  • Supported Digital Payment Solutions

Cash on Delivery (COD)

Cash on Delivery may be available for eligible products, locations, and order values.

Availability of COD services is determined at our discretion and may change without prior notice.

4. PAYMENT AUTHORIZATION

Before an order can be processed, payment authorization may be required.

When placing an order, customers authorize:

  • Verification of payment credentials.
  • Validation of payment information.
  • Fraud prevention screening.
  • Security verification procedures.

Orders may remain pending until payment authorization is successfully completed.

5. ORDER CONFIRMATION AFTER PAYMENT

Successful payment submission does not automatically guarantee order acceptance.

Orders remain subject to:

  • Inventory availability
  • Fraud prevention review
  • Operational verification
  • Compliance checks
  • Payment confirmation

Customers may receive an order confirmation notification after successful processing and verification.

6. FAILED OR DECLINED PAYMENTS

A payment may fail or be declined for reasons including but not limited to:

Banking Issues

  • Insufficient funds
  • Card restrictions
  • Daily transaction limits
  • Bank security controls

Payment Information Errors

  • Incorrect card information
  • Expired payment methods
  • Incorrect billing details

Security Reasons

  • Fraud prevention triggers
  • Risk assessment reviews
  • Unusual transaction activity

Customers experiencing payment issues are encouraged to contact their financial institution or payment provider for further assistance.

7. PAYMENT VERIFICATION

To protect customers and maintain platform security, certain transactions may require additional verification.

Verification measures may include:

  • Identity confirmation
  • Address verification
  • Payment ownership confirmation
  • Order authenticity review

Failure to complete required verification may result in order delays or cancellation.

8. FRAUD PREVENTION

Stylish Clothes maintains procedures designed to help detect and prevent fraudulent transactions.

We reserve the right to:

  • Investigate suspicious orders
  • Request additional verification
  • Delay order processing for review
  • Refuse or cancel transactions where fraud is reasonably suspected

These measures help protect both customers and the business from unauthorized activity.

9. PRICING ACCURACY

We make reasonable efforts to ensure accurate pricing throughout our website.

However, pricing errors may occasionally occur due to:

  • Technical issues
  • System updates
  • Human error
  • Supplier information updates

If a pricing error is discovered, we reserve the right to:

  • Correct the pricing information
  • Cancel affected orders
  • Contact customers regarding available options

Where required by law, customers will be informed appropriately.

10. TAXES AND APPLICABLE CHARGES

Applicable charges, if any, will be displayed during the checkout process before payment completion.

Customers are responsible for reviewing the final order summary before submitting payment.

The total payable amount will generally be presented prior to order confirmation.

11. CASH ON DELIVERY (COD) POLICY

Where Cash on Delivery is available:

Customers Agree To:

  • Provide accurate delivery information.
  • Accept delivery if the order was intentionally placed.
  • Cooperate with delivery verification procedures.

COD Restrictions May Apply To:

  • Certain locations
  • Specific products
  • High-risk transactions
  • Excessive order cancellations
  • Previous failed delivery history

Stylish Clothes reserves the right to restrict or remove COD eligibility where operationally necessary.

12. REFUNDS OF PAYMENTS

Refund eligibility is governed by our Refund & Return Policy and Cancellation Policy.

Approved refunds are generally processed through the original payment method whenever reasonably possible.

Refund timelines may vary depending on:

  • Banks
  • Card issuers
  • Payment gateways
  • Financial institutions
  • Verification procedures

Actual credit posting times remain outside our direct control.

13. CHARGEBACKS AND PAYMENT DISPUTES

Customers are encouraged to contact our support team before initiating payment disputes or chargebacks.

Many issues can be resolved more efficiently through direct communication.

If a payment dispute or chargeback is initiated:

  • Relevant transaction records may be reviewed.
  • Supporting documentation may be provided to payment processors.
  • Fraud prevention procedures may be applied.

We reserve the right to protect our legitimate interests through available dispute resolution mechanisms.

14. PAYMENT PROCESSING DELAYS

Occasionally, payment processing delays may occur due to:

  • Banking network interruptions
  • Payment gateway maintenance
  • Security reviews
  • Technical issues
  • Regulatory verification requirements

Such delays are generally outside the direct control of Stylish Clothes.

15. THIRD-PARTY PAYMENT PROVIDERS

Payment services may be provided by independent third-party payment processors.

Customers acknowledge that:

  • Third-party providers maintain their own terms and policies.
  • Payment processing may be governed by separate agreements.
  • Stylish Clothes is not responsible for third-party system outages or operational disruptions.

Customers should review the applicable policies of payment providers when necessary.

16. CUSTOMER RESPONSIBILITIES

Customers are responsible for:

  • Providing accurate payment information.
  • Using authorized payment methods.
  • Reviewing order details before payment.
  • Protecting account credentials.
  • Monitoring payment activity.

Customers should immediately report unauthorized activity to both their payment provider and our support team.

17. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Stylish Clothes shall not be liable for:

  • Banking delays
  • Payment gateway interruptions
  • Third-party processor failures
  • Unauthorized access resulting from customer negligence
  • Events beyond reasonable operational control

Nothing in this policy limits rights that cannot legally be excluded under applicable consumer protection laws.

18. POLICY UPDATES

We reserve the right to update, modify, amend, or replace this Payment Policy at any time.

Changes become effective upon publication on the website unless otherwise required by law.

Continued use of the website after updates constitutes acceptance of the revised policy.

19. CONTACT US

For payment-related questions, billing concerns, transaction verification, or payment assistance, please contact:

Stylish Clothes

Business Address:
Unit No. 145, Industrial Logistics Zone
NH-16 Service Road, Near Santragachi Freight Terminal
Kolkata – 711109
West Bengal, India

Email: contact@stylishclothes.online

Phone: +91 7428730894

Support Hours:
Monday to Saturday
10:00 AM – 6:00 PM IST