Payment Policy

This Payment Policy explains the payment methods accepted by Sona Arts and how payments, EMI, offers, failed transactions and payment-related refunds are handled. It forms part of our Terms & Conditions.

1. Accepted Payment Methods

1.1 Payments on sonaarts.in are processed through an RBI-authorised payment gateway. You can pay using any of the following methods:

• Credit cards
• Debit cards
• UPI
• Net banking
• Wallets
• EMI on eligible credit and debit cards (see Section 4)

1.2 The payment options available to you are shown at checkout and may depend on your bank, card network and order value.

1.3 All prices and payments are in Indian Rupees (INR). Cards issued outside India may not be accepted.

1.4 All orders on sonaarts.in are prepaid. Cash on Delivery is currently not available.

1.5 For direct and bulk orders, payment is accepted only through a payment link issued by Sona Arts, or by transfer to the bank account stated on the quotation or invoice issued by Sona Arts. Please do not make payments to any other account.

2. Prices, Taxes and Invoices

2.1 Prices on the website are in INR and include GST. Delivery is free, and the amount payable is shown at checkout before you pay.

2.2 A GST invoice is issued for every order.

2.3 For business purchases, please enter your GSTIN and registered business name at the time of ordering. The invoice cannot be changed once it has been issued.

3. Order Confirmation

3.1 An order is confirmed only after the full payment has been successfully received. You will receive an order confirmation by email or WhatsApp, and our team may call you to confirm the order details.

3.2 To protect customers from fraud, we may ask for additional verification for high-value or unusual transactions. If a payment cannot be verified, we may cancel the order and refund the full amount paid, without any deduction.

4. EMI and No Cost EMI

4.1 EMI is available on eligible credit cards, and on debit cards where offered by your bank, through the payment gateway at checkout. The banks, tenures and minimum order values available are shown at checkout.

4.2 Under No Cost EMI, where offered, the interest charged by your bank is given to you as an upfront discount, so that the total of your instalments is equal to the price of the product. No Cost EMI is available only on selected cards and tenures.

4.3 Conversion of a payment into EMI is carried out by your bank and may take a few working days. The EMI is governed by your agreement with your bank.

4.4 Your bank may charge a processing fee, GST on interest or other charges. These are levied by the bank and are not collected by Sona Arts.

4.5 If an EMI order is cancelled or returned, the refund is made to the card used. Interest, processing fees and other charges levied by the bank, and the cancellation or pre-closure of the EMI, are governed by the bank's terms. Where a No Cost EMI discount was given, the refund is calculated on the amount actually paid after the discount.

5. Offers, Coupons and Discounts

5.1 Coupon codes must be applied at checkout before payment and cannot be applied after an order has been placed.

5.2 Unless stated otherwise, only one coupon can be used per order, and offers cannot be combined.

5.3 Offers, coupons and discounts have no cash value, are not transferable, and may be changed or withdrawn by Sona Arts at any time without notice. Each offer is subject to its stated terms.

5.4 Where an order placed with an offer is cancelled or partly returned, the refund is limited to the amount actually paid, and the discount is adjusted in proportion to the products returned.

6. Failed, Pending and Duplicate Payments

6.1 If an amount is debited from your account but the order is not confirmed, the payment gateway or your bank usually reverses the amount automatically within 5 to 7 working days.

6.2 If the amount is not reversed within this time, please contact us with the transaction reference number, the date and the amount. We will check with the payment gateway and help resolve the issue.

6.3 If you are charged twice for the same order, the duplicate amount is refunded in full after verification, without any deduction.

7. Refunds and the Payment Gateway Processing Fee

7.1 Refunds are made to the original payment method in accordance with our Return & Refund Policy.

7.2 A payment gateway processing fee of 2.5% of the amount paid is deducted from all refund amounts. This fee is charged by the payment gateway when the payment is made and is not returned to Sona Arts when a refund is issued.

7.3 This deduction does not apply when Sona Arts cancels an order, or to duplicate and failed payments.

8. Payment Security

8.1 Payments are made over an encrypted connection and processed by a PCI DSS compliant payment gateway. Sona Arts does not see or store your full card number, CVV, UPI PIN or net banking password.

8.2 Sona Arts will never ask for your OTP, card PIN, CVV, UPI PIN or passwords by phone, WhatsApp, SMS or email. Please do not share these details with anyone.

8.3 Please contact us only through the phone number, WhatsApp number and email address published on this website.

9. Pricing Errors

While we take care to show correct prices, an error may occasionally occur. If a product is listed at an incorrect price, we will inform you before dispatch. You may then pay the correct price, or cancel the order and receive a full refund of the amount paid, without any deduction.

10. Unauthorised Transactions and Chargebacks

10.1 If you notice a transaction on sonaarts.in that you did not authorise, please inform your bank and contact us immediately.

10.2 Before raising a chargeback with your bank for an order, please contact us so that we can resolve the issue. If a chargeback is raised for an order that has been delivered or refunded, we may share the order, delivery and refund records with the bank.

11. Contact

For payment queries, contact us on WhatsApp or call +91 86967 81137 (10 AM to 7 PM, all 7 days), or email support@sonaarts.in.