My Choice IT World, we are committed to providing a safe, secure, and convenient payment experience.
This Payment Policy explains all accepted payment methods, billing terms, and security measures.

Accepted Payment Methods

We offer multiple secure payment options for your convenience:

Online Payment

• Credit Cards (Visa, MasterCard, Rupay)

• Debit Cards

• Net Banking

• UPI (Google Pay, PhonePe, Paytm, BHIM, etc.)

• Wallet Payments (Paytm, PhonePe Wallet — if available)

• EMI Options (on supported cards/platforms)

Cash on Delivery (COD)

If available, COD can be used for eligible products and locations.

• COD charges may apply.

• COD orders may require phone verification.

Payment Security

We use secure, encrypted payment gateways to protect all your financial information.

• Your payment details are never stored on our servers.

• All transactions follow industry-standard SSL encryption.

• We comply with PCI DSS guidelines for safe payment handling.

Pricing & Currency

• All prices listed on our website are in Indian Rupees (INR).

• Prices include GST/VAT unless stated otherwise.

• Shipping charges (if applicable) are displayed during checkout.

Prices may change at any time due to promotions, market changes, or stock updates.

Payment Confirmation

Once your payment is completed, you will receive:

• An order confirmation email

• A payment receipt

• An invoice (if applicable)

If you do not receive confirmation within 30 minutes, contact our support.

Failed or Pending Payments

Your order will not be processed if:

• The payment gateway declines the transaction

• Your bank blocks the payment

• The UPI app times out

• Insufficient balance in your account

If your payment is deducted but the order is not confirmed:

• Contact us with your Transaction ID

• We will verify and update your order status

• Refunds (if needed) will be initiated as per our refund timeline

Fraud Prevention

To protect customers and our platform:

• Suspicious or high-risk transactions may be flagged

• We may contact you for identity verification

• Orders may be cancelled if fraud is suspected

We reserve the right to decline or cancel any payment at our discretion.

EMI / Pay Later Options (If Available)

Some products may be eligible for:

• Credit Card EMI

• No-Cost EMI

• BNPL (Buy Now Pay Later) options

Eligibility depends on your bank, credit limit, and partner payment platforms.

Refunds for Canceled or Returned Orders

If your order is canceled, returned, or refunded:

• Online payment refunds are processed back to the original payment method

• Refund processing time: 3–7 business days

• Bank/card reversal time may vary depending on your bank

For COD orders, refunds (if applicable) may be issued through:

• Bank transfer

• UPI transfer

Details will be requested through verified channels only.

Contact Us for Payment Support

If you face any payment-related issues or queries, contact us:

My Choice IT World
📩 Email: contact@mychoiceitworld.com
📞 Phone: +91 83100 14100
🌐 Website: mychoiceitworld.com