1. Accepted Payment Methods
Customers can pay for local orders using multiple convenient channels:
- UPI (Instant & Zero Surcharge): Google Pay, PhonePe, Paytm, BHIM, and all bank UPI applications.
- Credit & Debit Cards: Visa, MasterCard, RuPay, and Maestro cards processed through 3D-Secure OTP verification.
- Net Banking: Supported across all major Indian commercial and public sector banks.
- Cash on Delivery (COD): Pay in cash directly to the delivery rider upon inspecting your parcel.
- Shop Khata (Store Credit): For verified regular customers with merchant pre-approval.
2. Payment Processing & Security
All online transactions are powered by Razorpay, India's leading RBI-authorized payment aggregator:
- All card details are tokenized and processed via PCI-DSS Level 1 compliant secure gateways.
- VyaGo never stores your CVV, card numbers, or UPI MPIN on its servers.
- Every online payment is encrypted with 256-bit SSL banking grade technology.
3. No Hidden Convenience Charges
We do not charge hidden convenience fees on customer orders. The total amount displayed on your checkout summary includes:
- Item subtotal at the merchant's listed retail price.
- Applicable GST (already included in item MRP or clearly itemized).
- Delivery charge (if applicable for distance or small basket size).
4. Failed Transactions & Double Deductions
In the rare event that money is deducted from your bank account but your order is not confirmed due to a network glitch:
- The banking network automatically flags the dangling transaction.
- Your bank will reverse the amount automatically within 24 to 48 hours.
- If the reversal does not appear after 48 hours, write to us with your UPI Reference ID (UTR) at support@VayGo.app.