Effective Date: 1 August 2026
Last Updated: 1 August 2026
This Payment Policy applies to all purchases made through jewelscollection.shop.
Ashmit is the legal business operating the online brand Jewels Collection.
By placing an order through our website, you acknowledge that you have read and agreed to this Payment Policy, our Terms and Conditions, Shipping Policy, and Return, Refund and Cancellation Policy.
1. Business Information
Legal Business Name: Ashmit
Brand Name: Jewels Collection
Website: jewelscollection.shop
Email: support@jewelscollection.shop
Phone and WhatsApp: +91 8898879950
Jewels Collection is an online jewellery store. We accept online orders only and do not operate a physical showroom.
2. Prepaid Orders Only
All orders placed through jewelscollection.shop must be paid for in advance.
Cash on Delivery is not available.
An order will not normally be processed or dispatched until the applicable payment has been successfully received or confirmed.
3. Available Payment Methods
The available payment methods will be displayed during checkout.
Depending on payment-gateway availability, customers may be able to pay using:
- UPI
- Credit cards
- Debit cards
- Net banking
- Supported digital wallets
- Other payment methods displayed during checkout
Payments may be processed through Cashfree Payments or another authorised payment-gateway provider displayed on the website.
The availability of a particular payment method may depend on the customer’s bank, card issuer, UPI provider, payment gateway, transaction amount, device, location or applicable security requirements.
4. Minimum Order Value
The minimum product order value is ₹599, excluding shipping charges.
Orders below the required minimum value may not be accepted by the website.
5. Prices, Taxes and Shipping Charges
All prices displayed on the website are in Indian Rupees unless stated otherwise.
The final amount payable may include:
- Product price
- Applicable GST or taxes
- Standard shipping charges
- Express-delivery charges
- Discounts, coupons or promotional adjustments
The complete payable amount will be displayed before the customer confirms payment.
Free standard shipping may be available for eligible orders with a qualifying product value above ₹999, meaning ₹1,000 or more, subject to the Shipping Policy.
Express-delivery charges remain payable even where an order qualifies for free standard shipping.
6. Payment Authorisation
By submitting a payment, the customer confirms that:
- The payment information provided is complete and accurate
- The customer is authorised to use the selected payment method
- Sufficient funds or credit are available
- The transaction is not connected with fraudulent or unlawful activity
- The customer agrees to the final amount displayed during checkout
Jewels Collection may decline or cancel an order where a payment is unsuccessful, reversed, unauthorised, disputed or reasonably suspected to be fraudulent.
7. Payment Confirmation and Order Acceptance
A successful payment or automated order acknowledgement does not necessarily mean that the order has been finally accepted.
An order is normally accepted after we verify:
- Successful payment status
- Product availability
- Order information
- Delivery information
- Applicable customer confirmation
- Any required fraud or security checks
We may contact the customer by phone, WhatsApp, SMS or email to verify an order or request clarification.
8. Payment Security
Payments are processed through third-party payment-gateway providers and the customer’s bank or payment service.
Jewels Collection does not normally receive or store complete card numbers, CVV numbers, UPI PINs, internet-banking passwords or OTPs.
Customers must never disclose their:
- UPI PIN
- Card PIN
- CVV
- OTP
- Bank password
- Payment-app password
Jewels Collection will never ask a customer to provide an OTP, UPI PIN, CVV or banking password through phone, WhatsApp, email or social media.
Customers should complete payments only through the official checkout page on jewelscollection.shop or through an official payment link provided by Jewels Collection.
9. Failed, Pending or Cancelled Transactions
A payment may appear as failed, pending or cancelled because of:
- Bank-server issues
- Payment-gateway issues
- Incorrect payment information
- Insufficient funds
- UPI or card authentication failure
- Network interruption
- Transaction timeout
- Security restrictions
- Customer cancellation during payment
An order will not normally be processed unless the payment status is confirmed as successful.
Where an amount has been debited but the payment is shown as failed or pending, the customer should first check the transaction status with their bank, UPI provider or payment service.
Automatic reversal timelines are controlled by the relevant bank, card issuer, UPI provider or payment gateway and may vary.
10. Duplicate Payments
Where the same order has been paid more than once, the customer should contact Customer Support and provide:
- Customer’s full name
- Order number
- Registered phone number
- Payment date
- Amount paid
- Transaction or reference number
- Screenshot or other payment evidence
After verification, an eligible duplicate payment will be reversed or refunded through the original payment method or another legally permitted method.
Processing time may depend on the payment gateway, bank, card issuer or UPI provider.
11. Payment Verification and Fraud Prevention
For payment security, fraud prevention and order verification, Jewels Collection may:
- Review payment and order information
- Contact the customer for confirmation
- Request reasonable supporting information
- Delay processing until verification is completed
- Decline or cancel a suspicious transaction
- Restrict an account where misuse or fraudulent activity is reasonably suspected
Customers must not use another person’s payment method without proper authorisation.
Providing false information, using an unauthorised payment method, abusing promotions or initiating fraudulent claims may result in cancellation of the order and restriction of the customer account.
12. GST Invoice
Where applicable, a tax invoice will be issued in the legal business name Ashmit, operating under the brand Jewels Collection.
Customers requiring business GST information on an invoice must provide the correct:
- GSTIN
- Registered business name
- Billing address
- Other required invoice information
These details must be provided before the invoice is generated.
Changes may not be possible after an invoice has been issued.
13. Order Cancellation and Modification
A cancellation or modification request must be submitted within 2 hours of placing the order.
Requests may be submitted through:
Email: support@jewelscollection.shop
Phone and WhatsApp: +91 8898879950
The request should include:
- Customer’s full name
- Order number
- Registered phone number
- Requested cancellation or modification
Submitting a request does not automatically confirm that the order has been cancelled or modified.
An order cannot normally be cancelled or modified after it has:
- Entered processing
- Been specially arranged
- Been packed
- Been handed to the courier
- Been dispatched
The complete cancellation conditions are governed by our separate Return, Refund and Cancellation Policy.
14. Credit for an Approved Customer Cancellation
For an approved customer-requested cancellation, the eligible amount will normally be credited to the customer’s Jewels Collection Wallet.
Jewels Collection Wallet Credit is store credit that:
- May be used for future purchases on jewelscollection.shop
- Cannot normally be withdrawn as cash
- Cannot be transferred to another customer or account
- Does not earn interest
- Must be used according to the Wallet conditions displayed on the website
Original shipping charges, express-delivery charges and separately disclosed transaction charges may be excluded where they were actually charged and may legally be retained.
Where applicable law or payment-provider rules require an eligible monetary refund through the original payment method, it will be processed accordingly.
15. Refunds for Damaged, Defective or Incorrect Products
Returns, replacements, Wallet Credits and refunds for damaged, defective, incorrect, incomplete or missing products are governed by the separate Return, Refund and Cancellation Policy.
A continuous parcel-opening video is compulsory for eligible claims involving:
- Damaged products
- Defective products visible at delivery
- Incorrect products
- Missing products
- Missing parts or accessories
Eligible visible delivery-related complaints must be reported within 24 hours of delivery.
Submitting a complaint does not automatically approve a replacement, Wallet Credit or refund.
16. Refund Processing
A replacement will normally be provided where an eligible claim is approved and the same product is reasonably available.
Where an eligible replacement is unavailable, the approved product amount will normally be credited to the customer’s Jewels Collection Wallet within 7–12 business days after successful inspection and final approval.
Where applicable law requires an eligible monetary refund, it will be processed through the original payment method or another legally permitted method.
After a refund is initiated, the time required for the amount to appear may depend on the customer’s bank, card issuer, UPI provider or payment gateway.
17. Cancellation by Jewels Collection
Jewels Collection may cancel an order where:
- The product is unavailable or out of stock
- Payment is unsuccessful or reversed
- Order or delivery information is incomplete or incorrect
- The delivery location is unsupported
- Fraudulent or suspicious activity is detected
- The displayed price or product information contains an obvious error
- A technical issue prevents fulfilment
- Circumstances outside our reasonable control prevent fulfilment
Where Jewels Collection cancels an eligible prepaid order, the applicable amount will be processed through the original payment method or another legally permitted method.
18. Payment Disputes and Chargebacks
Customers are requested to contact Jewels Collection Customer Support before initiating a payment dispute or chargeback so that we can review and attempt to resolve the issue.
A customer raising a dispute should provide:
- Order number
- Transaction reference
- Payment amount
- Date of payment
- Clear description of the issue
- Any relevant supporting evidence
Nothing in this section prevents a customer from exercising any right or remedy available under applicable law or through their bank or payment provider.
Knowingly submitting a false chargeback, duplicate refund request or fraudulent payment claim may result in cancellation of the order and restriction of the customer account.
19. Promotional Offers and Coupons
Coupons, cashback offers and promotional discounts are subject to their displayed validity periods and eligibility conditions.
Unless specifically stated:
- Only one coupon may be used per order
- Coupons cannot be exchanged for cash
- Offers cannot be applied after an order has been placed
- Minimum-order requirements may apply
- Selected products or categories may be excluded
- Shipping charges may not count towards the minimum purchase value
- Promotional benefits may be withdrawn from cancelled, returned or refunded orders
20. Changes to This Payment Policy
Jewels Collection may update this Payment Policy when its payment methods, payment gateway, Wallet system, prices, taxes, website features, policies or legal obligations change.
The revised policy will be published on this page with an updated “Last Updated” date.
A policy update will not normally affect an order already accepted under an earlier version of the policy.
21. Customer Support and Grievance Contact
For payment, transaction, cancellation, refund or order-related concerns, contact:
Legal Business Name: Ashmit
Brand Name: Jewels Collection
Website: jewelscollection.shop
Grievance Officer: Amit Sujay Das
Designation: Proprietor and Grievance Officer
Email: support@jewelscollection.shop
Phone and WhatsApp: +91 8898879950
Customer Support Hours: Monday to Friday, 10:00 AM to 5:00 PM
Please include your full name, order number, registered phone number, transaction reference and a clear description of the issue.
Nothing in this Payment Policy excludes or limits any consumer right or legal remedy that cannot lawfully be excluded under applicable Indian law.