GARUDAYA policy
Payment Policy
Payment collection, reconciliation, invoices, gateway handling and transaction history expectations.
Applies to:
Buyers, sellers, vendors, exporters, service clients and finance admins.
Last updated:
08 August 2026
Entity:
GARUDAYA PRIVATE LIMITED / GARUDAYA AGRO INDUSTRIES
Private company and approval disclaimer
GARUDAYA PRIVATE LIMITED is a private company, not a government department, statutory authority, regulator, embassy, customs office, bank or insurer. A GARUDAYA review, checklist, referral or document submission does not itself grant a licence, certificate, permit, export clearance, tax registration or government approval. Any approval must be issued by the competent authority or contracting organization named in the applicable process. Users remain responsible for truthful information, fees, renewals and lawful compliance.
Accepted payment modes
GARUDAYA architecture supports payment provider workflows, UPI/manual instructions, bank-transfer records and gateway reconciliation where configured. Live availability depends on approved payment-gateway credentials and compliance review.
Security and reconciliation
Payment amounts are calculated server-side. Webhooks are verified before reconciliation. Orders, invoices and payment events are retained for audit, dispute handling and statutory records.
Gateway authorization and customer disclosure
Only a payment method shown as available at checkout may be used. GARUDAYA does not store a customer's card PIN, CVV or UPI PIN and never asks for them by phone, email or chat. The payment gateway may independently perform KYC, fraud screening, authentication, settlement holds or transaction limits under its own terms. A pending or failed browser response is not proof of debit or credit; GARUDAYA reconciles the gateway event and order record before confirming payment.
Failed, duplicate and disputed transactions
Customers should report a debit without order confirmation, suspected duplicate debit or unauthorized payment with the order/reference number to accounts@garudaya.in. GARUDAYA will check its records and coordinate with the gateway or bank. Chargebacks and bank disputes remain subject to the issuing bank, payment network and gateway process.
Taxes and invoices
GST, TCS/TDS, platform fees, seller payouts, service fees and export-related tax treatment require transaction-specific review. Transaction-specific prices, statutory charges, taxes, eligibility, service levels and timelines are disclosed in the applicable checkout, quotation, order, invoice or signed agreement. Where mandatory law gives a user stronger rights, that law prevails.
Independent providers and regulatory verification
GARUDAYA may apply to regulated, government or private providers for payment processing, email/SMS delivery, DigiLocker or API Setu access, PAN/Aadhaar checks, bank-account validation, logistics and other integrations. Displaying an integration workflow or accepting an application does not mean that a provider, regulator or government body has endorsed GARUDAYA. A feature is treated as live only after the relevant provider approves the account, production credentials are securely configured, and GARUDAYA completes acceptance testing. Until then, the website labels the result as pending, manual review or unavailable and does not represent it as verified.
Official contact and notices
Questions about payment policy should be sent from the registered account email wherever possible. GARUDAYA may request order IDs, application IDs, invoice numbers, KYC references or proof of authority before sharing account-specific information. Official notices may be sent to legal@garudaya.in; operational support may be sent to support@garudaya.in. Registered office: C/O Sabita Jena Nuagam, Dasamundali, Sheragada, Aska, Ganjam – 761106, Odisha, India.
| Desk | |
|---|---|
| Grievance and legal notices | legal@garudaya.in |
| Customer support | support@garudaya.in |
| Payments and accounts | accounts@garudaya.in |
| KYC and privacy | kyc@garudaya.in |
| Export | export@garudaya.in |