TeluMall Payment Policy

Last Updated: 12 November 2026

1. Introduction

This Payment Policy explains the payment methods, payment confirmation process, pending transactions, failed payments, refunds and payment-related responsibilities applicable to orders placed on TeluMall (https://telumall.com).

TeluMall is operated by Chandana Kanchi Saree House. By placing an order, customers agree to this Payment Policy along with our Terms and Conditions, Cancellation Policy, Return Policy and Refund Policy.

2. Accepted Payment Methods

Customers may pay using the payment methods displayed and enabled on the checkout page at the time of placing an order. These may include UPI, debit cards, credit cards, net banking, wallets or other payment options supported by the available payment service provider.

Cash on Delivery (COD) may be available for eligible orders and delivery locations, subject to order verification and availability.

Payment options may change depending on the payment provider, technical availability and business requirements.

3. Payment Confirmation – Important

An order will be treated as successfully paid only after TeluMall receives successful payment confirmation from the relevant payment gateway, bank or payment service provider.

• A payment screenshot, SMS, customer statement or transaction reference shared by the customer alone does not constitute final payment confirmation.
• Payment must be successfully verified in the payment system before the order is treated as paid.
• TeluMall reserves the right to verify payment status before accepting or processing an order.
• Customers must provide accurate payment details and cooperate with verification where reasonably required.

4. Pending Payments

If a transaction shows Pending, Processing, Under Verification or any similar status, the payment has not yet been confirmed as successful by the payment provider.

• TeluMall will not dispatch an order while its payment remains unconfirmed.
• The order may remain on hold until the payment status is verified.
• Customers should avoid making repeated payments for the same order while the first transaction is being checked.
• If the payment provider later confirms successful payment, the order may be processed subject to stock availability and order verification.

TeluMall is not responsible for dispatching goods against an unconfirmed payment. However, if an amount has actually been debited from the customer’s account, TeluMall will reasonably assist in verifying the transaction and resolving the payment issue in coordination with the payment provider, subject to applicable law.

5. Failed Payments

If a transaction is marked Failed, Declined, Cancelled or Unsuccessful by the payment provider, the order will not be treated as successfully paid.

• TeluMall is not required to dispatch an order against a failed or unconfirmed payment.
• If the customer’s account was debited despite a failed transaction, the customer should contact TeluMall with the order number and transaction reference.
• TeluMall will verify the transaction with the payment provider or bank and assist with the applicable reversal or refund process.
• Any reversal or refund timeline may depend on the bank, payment gateway or payment service provider.

6. Order Processing and Dispatch

For prepaid orders, processing and dispatch will begin only after successful payment confirmation and necessary order verification.

Until payment is successfully confirmed, TeluMall has no obligation to dispatch the order. An order showing Pending, Processing or any unconfirmed payment status may be placed on hold or cancelled where appropriate.

After successful payment confirmation and acceptance of the order, TeluMall will process and dispatch the order in accordance with its Shipping and Delivery Policy.

Nothing in this section excludes TeluMall’s responsibilities for an order after it has been accepted or any responsibility that cannot legally be excluded.

7. Cash on Delivery (COD)

Where COD is available, customers must pay the applicable order amount to the delivery partner at the time of delivery.

• COD availability depends on the delivery location, order value, courier service and verification requirements.
• TeluMall may contact customers to verify COD orders before dispatch.
• Customers should provide a reachable phone number and accurate delivery address.
• Repeated refusal or non-acceptance of COD deliveries may result in restrictions on future COD orders, subject to applicable law.

8. Duplicate Payments

If a customer is charged more than once for the same order, TeluMall will verify the transactions with the payment provider.

Where an additional payment is confirmed as successfully received for the same order, the excess amount will be processed for refund through the applicable payment channel or another lawful refund method.

Customers should share the order number and relevant transaction references to help us investigate the issue.

9. Refunds for Cancelled or Returned Orders

Refunds arising from approved cancellations, returns, exchanges or other eligible cases will be handled according to the applicable TeluMall Cancellation Policy, Return Policy, Refund Policy and applicable consumer protection laws.

• Prepaid refunds will generally be made through the original payment method wherever supported and reasonably possible.
• For COD orders, customers may be asked to provide accurate bank account details or another permitted refund method.
• Refund processing may depend on payment provider and bank timelines.
• No arbitrary or undisclosed deductions will be made. Any permitted deductions must comply with the applicable policy and law.

10. Payment Security and Fraud Prevention

Customers should use secure devices and trusted internet connections when making payments.

• Never share OTPs, UPI PINs, card PINs, passwords or banking credentials with anyone claiming to represent TeluMall.
• TeluMall will not ask customers to disclose their confidential payment passwords or PINs.
• Customers should verify the payment amount and order details before authorising a transaction.
• Suspicious, unauthorised or potentially fraudulent transactions may be held for verification or reported to the relevant payment provider or authority where appropriate.

11. Incorrect Payment Details and Payment Disputes

Customers are responsible for checking the order amount and payment details before completing a transaction.

If a customer notices an incorrect debit, unauthorised transaction, payment mismatch or other payment-related issue, they should contact TeluMall promptly with the order number, transaction reference, date and amount.

TeluMall will review the information and coordinate with the relevant payment provider or bank where necessary. Customers may also contact their bank or payment provider directly for transaction-related assistance.

12. Andhra Pradesh Delivery Restriction

At present, TeluMall accepts orders for delivery only within Andhra Pradesh, India. Orders with delivery addresses outside Andhra Pradesh may not be accepted or processed.

Payment completion alone does not guarantee order acceptance or dispatch if the delivery address is outside the permitted service area. If an amount is received for an order that TeluMall cannot fulfil for this reason, the payment will be reviewed and an applicable refund will be processed in accordance with law.

13. Customer Support

For payment-related questions, pending transactions, failed payments, duplicate debits or refund assistance, customers may contact:

Email: telumallstore@gmail.com

Please include the order number, transaction reference, payment date and amount. Customers should not send OTPs, PINs or passwords.

14. Consumer Rights and Governing Law

This Payment Policy is governed by the laws of India, including applicable consumer protection and electronic commerce laws.

Nothing in this policy is intended to restrict or remove any statutory rights or remedies available to customers under applicable law.

Subject to applicable law and the jurisdiction of competent statutory authorities, courts and consumer commissions, disputes relating to this policy shall be subject to the competent jurisdiction of Visakhapatnam, Andhra Pradesh.

15. Policy Updates

TeluMall may update this Payment Policy from time to time to reflect changes in payment methods, payment service providers, business processes or applicable laws.

The updated version will be published on this website with a revised Last Updated date. Customers are encouraged to review this policy periodically.