Payment Policy

Last updated: 6 August 2026

This Payment Policy explains how payments work on MisterETec, which methods we accept, how prices and taxes are shown, how we protect your payment data, and how failed or duplicate charges and refunds are handled. It applies to every order placed on misteretec.com for delivery within India, and should be read together with our Checkout Terms, Cancellation & Returns Policy, Shipping Policy and Privacy Policy.

1. Accepted payment methods

UPI — all UPI apps and UPI-linked bank accounts.
Debit and credit cards — Visa, Mastercard, RuPay and American Express cards issued in India.
Net banking — supported banks are listed on the payment page at checkout.
Wallets and Buy-Now-Pay-Later — where enabled and shown at checkout.
EMI — card and cardless EMI on eligible orders and eligible banks; the tenure, interest and total payable are displayed before you confirm.
Cash on Delivery (COD) — available on eligible PIN codes, order values and product categories only. COD eligibility is confirmed on the product page and again at checkout.

Online payments are processed by our PCI-DSS compliant payment gateway partner, Razorpay Software Private Limited. MisterETec does not operate its own card-processing systems.

2. Currency, prices and taxes

All prices are shown in Indian Rupees (₹) and are inclusive of GST at the applicable rate.
The product page shows the selling price and, where applicable, the seller's stated MRP with the discount percentage. The MRP is the maximum retail price declared for that product, not a MisterETec price.
Delivery charges are shown separately in the order summary before payment: free delivery on orders of ₹500 and above; a flat ₹49 delivery charge on orders below ₹500. Express Delivery, where available, may carry an additional charge which is displayed at checkout.
The Order Summary shown on the payment page is the final amount payable. We do not add any surcharge, handling fee, convenience fee or hidden charge after that screen.
A GST tax invoice is issued for every order. If you need input tax credit, enter your GSTIN and business name before placing the order — it cannot be added to an invoice afterwards.

3. Authorisation and verification

An order is confirmed only after the payment gateway authorises the transaction and we send you an order confirmation by email and/or SMS.
Card payments are authenticated using the RBI-mandated additional factor of authentication (OTP / 3-D Secure). UPI payments are authenticated with your UPI PIN.
For certain high-value, first-time or unusual orders we may ask you to confirm the order over a call, or ask for proof that the payment instrument belongs to you, before we dispatch.
We may decline or cancel an order where authorisation fails, the billing details cannot be verified, the delivery address is not serviceable, or the order is flagged by our fraud-prevention checks. If payment was already collected, it is refunded in full.

4. Payment security

The entire site is served over HTTPS with SSL/TLS encryption. Payment details are entered on the gateway's own secure page.
MisterETec never stores your full card number, CVV, UPI PIN, net-banking password or OTP. Card tokenisation, where used, is performed by the gateway and the card networks in line with RBI guidelines.
MisterETec staff will never ask you for an OTP, CVV, PIN, password, or ask you to install a screen-sharing or remote-access app. Any such request is a fraud attempt — please report it to support@misteretec.com.
We only ever ask for payment through the checkout on misteretec.com or through a payment link sent from a verified MisterETec address. We do not accept payment to any personal UPI ID or personal bank account.

5. Cash on Delivery terms

COD is available only where it is shown as available for your PIN code and cart. Some categories, high-value orders and Express Delivery orders are prepaid-only.
Pay the exact amount printed on the invoice. Please keep the amount ready; delivery partners may not carry change.
Where the delivery partner supports it, UPI or card payment may be offered at the doorstep instead of cash.
Repeatedly refusing or not accepting COD orders may result in COD being disabled for your account or address.
COD orders may carry a separate handling charge; if applicable it is shown in the order summary before you confirm.

6. Failed, pending and duplicate payments

Payment failed, no order created: if your bank has debited the amount, it is auto-reversed by the bank or gateway, normally within 3–7 business days. No action is needed from you.
Payment pending: do not retry immediately. Check "My Orders" first — if the order appears, the payment went through.
Charged twice for one order: write to support@misteretec.com with the order number and the bank/UPI reference number of both debits. Verified duplicate charges are refunded within 7–10 business days of confirmation.
Keep the UTR / bank reference number handy — the gateway needs it to trace a transaction.

7. Refunds

Refunds are made to the original payment method. For COD orders, refunds are made to a bank account or wallet you verify with us.
Approved refunds are initiated within 7–15 business days after the returned item passes quality check, or immediately on a cancellation before dispatch. The time taken for the money to reflect thereafter depends on your bank.
Delivery charges are refunded where the return is due to a damaged, defective, incorrect or missing item.
Refund eligibility, return windows and non-returnable categories are set out in the Cancellation & Returns Policy.

8. Chargebacks and disputes

If you do not recognise a charge, please contact us before raising a chargeback with your bank — most issues are resolved faster directly. Where a chargeback is raised, we will share the order, delivery and payment records with the bank. Accounts found to be misusing the chargeback process may be restricted.

9. Marketplace disclosure

MisterETec is an online marketplace. Some products are sold by MisterETec and others by third-party sellers listed on the platform. Regardless of the seller, payment is collected by MisterETec through the gateway named above, the GST invoice identifies the actual seller, and MisterETec's Buyer Protection Program applies as described in our Terms of Use.

10. Changes to this policy

We may update this policy from time to time. The version in force at the time you place an order applies to that order. The "Last updated" date above shows when this page last changed.

11. Contact us about a payment

MisterETec — Customer Support
Email: support@misteretec.com
Phone: +91 92208 75551 (Mon–Sat, 9:00 AM – 6:00 PM IST)
Corporate Office: 1st Floor, Right Side - H, Pochanpur, Najafgarh, New Delhi, Delhi - 110077, India
Registered Office: House No. 21, Vill Post Reoli, Rewali, Salempur Deoria, Deoria, Uttar Pradesh - 274602, India
Legal name: Deepak Kumar Mishra (sole proprietor, trading as MisterEtec)
GSTIN: 07CFFPM9507J1Z3

Please quote your order number and, for payment issues, the UTR / bank reference number.