Purchase & Payment Policy

1. Accepted Payment Methods & Gateway Partners

We partner with licensed, PCI-DSS Level 1 compliant payment gateways to offer seamless and secure checkout:

• Domestic Payments (India / INR ₹): Processed securely via Razorpay Payments Private Limited (RBI Authorised Payment Aggregator). Supported methods include:
  • Unified Payments Interface (UPI): Google Pay, PhonePe, Paytm, BHIM, CRED, and all BHIM UPI apps.
  • Debit & Credit Cards: RuPay, Visa, Mastercard, and American Express.
  • NetBanking: Across 50+ Indian commercial and retail banks.
• International Payments (Global / USD $): Processed via PayPal and global merchant cards with automatic multi-currency conversion.

2. Transparent Pricing, Currency & GST Invoicing

We believe in 100% pricing transparency with zero hidden processing surcharges:

• Currency Display: Prices for buyers in India are settled in Indian Rupees (INR ₹) with zero cross-border markup. International transactions are processed in US Dollars (USD $).
• GST Compliance: All applicable Indian Goods and Services Tax (GST 18%) is itemized on the checkout screen prior to payment confirmation.
• Tax Invoices: An official itemized GST invoice is generated and automatically dispatched to your billing email address upon order completion.

3. Digital Delivery Protocol & Lifetime Vault Access

When an order is successfully completed:

• Immediate Access: Your download links and license keys are synchronized with your account vault at My Library.
• Redownload Guarantee: You may re-download your purchased sample packs and plugins anytime by logging into your account.
• Toywards Loyalty Cash: Reward points earned on qualifying purchases are credited instantly to your account wallet.

4. Payment Declines & Duplicate Debits

In rare instances where a payment is deducted from your bank or card but not recorded by the store:

Our payment aggregator initiates an automatic reconciliation. Unsettled debits are refunded to the source account within 5 business days as per RBI Turnaround Time (TAT) regulations. Please view our Refund Policy for complete details.