Payment and Financing

Payment Policy

At Merito Diamond, we are committed to providing a secure, reliable, and seamless payment experience for our global customers.

Payment Gateway

All payments on our website are processed exclusively through our trusted third-party payment partner, Razorpay. Razorpay enables secure and efficient international and domestic transactions with advanced encryption and fraud protection systems.

Accepted Payment Methods

Through Razorpay, we accept a wide range of payment options, including:

• International and Domestic Credit Cards (Visa, MasterCard, American Express, etc.)
• Debit Cards (where supported)
• Net Banking (India-based banks)
• UPI and Wallets (for Indian customers)
• Other region-specific payment methods as supported by Razorpay

Currency & International Payments

• All transactions are processed in INR (Indian Rupees) unless otherwise specified.
• For international customers, your bank or card provider may apply currency conversion charges and international transaction fees.
• Merito Diamond is not responsible for any additional charges levied by your financial institution.

Payment Authorization

• Payments are subject to authorization and verification by Razorpay and the customer’s issuing bank.
• We reserve the right to cancel or hold any transaction if it is flagged as suspicious or unauthorized.

Security

• All payment transactions are processed through secure SSL encryption.
• We do not store or have access to your full credit/debit card details.
• Razorpay complies with industry security standards (PCI-DSS compliance).

Order Processing

• Orders will only be confirmed and processed after successful payment authorization.
• In case of payment failure, no order will be processed.

Failed Transactions & Refunds

• If a transaction fails but the amount is deducted, the refund will be automatically processed by the payment provider or bank within their standard timelines.
• Refund timelines may vary depending on the customer’s bank or payment method.

Chargebacks & Disputes

• Customers are advised to contact us before initiating a chargeback.
• Unauthorized or fraudulent chargebacks may result in suspension of future transactions.

Compliance & Fraud Prevention

We actively monitor transactions for fraud and reserve the right to:

• Refuse or cancel any order
• Request additional verification
• Take necessary legal action in case of fraudulent activity

For any payment-related queries, please contact our support team at [your email/contact details].