Payment Policy

1. Accepted Payment Methods

We accept all major payment methods available to Indian consumers through our payment partner Razorpay Software Private Ltd.:

Cash on Delivery (COD)

COD is not currently available. We are working to introduce it for select pin codes. When available, it will be announced on the website and applicable orders will reflect the option at checkout.

2. Payment Security & Data Protection

3. Pricing & GST Transparency

In compliance with the Goods and Services Tax Act, 2017 and the Legal Metrology (Packaged Commodities) Rules, 2011:

• All prices displayed on our website are inclusive of GST. No additional tax is applied at checkout.
• Apparel items attract GST at 5% (HSN Code 6109 for T-shirts/Polos; HSN 6205 for shirts).
• A GST-compliant tax invoice is issued for every completed order and sent to your registered email address.
• Our GSTIN (GST Identification Number) is printed on every invoice.

4. EMI & No-Cost EMI

EMI options are offered through Razorpay's integration with major banks and NBFCs, subject to your card's eligibility and the bank's terms.

• Standard EMI: Available on most credit cards for transactions above ₹2,000. Interest rates are set by the issuing bank.
• No-Cost EMI: Available on select bank cards and Razorpay Pay Later. The product price displayed is the total amount — no extra cost, with interest subvented (borne by us or the bank per the scheme).
• Eligibility and tenure options will be shown at checkout if your card qualifies.

For EMI-related queries specific to your bank, please contact your card issuer directly.

5. Failed & Declined Transactions

5.1 Payment Debited but Order Not Confirmed

In rare cases, your bank may debit the amount but the order confirmation page does not load (due to network interruption). In such cases:

1. Check your registered email for an order confirmation within 15 minutes.
2. If no confirmation is received, the payment was likely not captured by us and your bank will auto-reverse the hold within 5–7 business days.
3. If the amount is debited and not reversed after 7 days, contact us immediately at dispatch@theprowl.in with your bank transaction reference and we will investigate with Razorpay.

5.2 Declined Payment

Payments may be declined for reasons including insufficient funds, incorrect card details, bank security blocks, or network issues. In all such cases, no amount is deducted from your account. Please retry the payment or use an alternative method.

6. Refund to Payment Source

All approved refunds are credited to the same payment instrument used at checkout. We initiate refunds through Razorpay within 1–2 business days of approval. Actual credit timelines depend on your payment method:

You will receive an email confirmation from us when the refund is initiated. Razorpay also sends a refund notification. If the refund is not received within the stated timeline, please contact us with your Order ID and we will provide a Razorpay Refund ID for your bank to trace.

7. Fraud Prevention & Your Protection

We employ the following fraud prevention measures:

• All transactions are screened by Razorpay's AI-powered fraud detection system.
• 3D Secure authentication ensures that only the authorised cardholder can complete a transaction.
• We reserve the right to cancel any order that appears suspicious and refund the amount in full.
• We will never ask for your OTP, CVV, or full card number via email, phone, or WhatsApp. If you receive such a request purportedly from us, please report it immediately to dispatch@theprowl.in.

8. Recurring Payments

Panthera Prowl does not set up any recurring payment mandates (auto-debit / standing instructions) on your payment instruments. Every transaction requires your explicit initiation and authentication. You will never be charged automatically.

9. Regulatory Framework

Our payment operations are governed by the following Indian regulations:

• Payment and Settlement Systems Act, 2007 — Governing all electronic payment systems in India.
• RBI Payment Aggregator and Payment Gateway Guidelines (March 2020) — Razorpay is a licensed PA/PG under this circular.
• PCI DSS v4.0 — International standard for card data security, maintained by Razorpay.
• IT (Amendment) Act, 2008 — Section 43A — Reasonable security practices for handling sensitive financial data.
• Consumer Protection Act, 2019 — Ensuring transparent and fair payment practices.
• FEMA, 1999 — All transactions are in INR; foreign exchange regulations are not applicable to standard domestic transactions.

10. Payment-Related Grievances

For any payment-related issues — failed transactions, refund delays, or suspected fraud — you may contact:

Razorpay Support

For payment-related issues specific to the gateway, you may also contact Razorpay directly at razorpay.com/support.

RBI Banking Ombudsman

If your payment grievance is not resolved to your satisfaction, you may escalate it to the Reserve Bank of India Banking Ombudsman at cms.rbi.org.in or call the RBI helpline at 14448.