Payment Gateway & Transaction Terms
Guidelines governing digital payments, accepted instruments, RBI auto-refund mandates, and transaction security on Just For Beauty.
1. Accepted Payment Instruments
All prices and transactions on Just For Beauty are processed in Indian Rupees (INR ₹). We accept:
UPI Payments
Google Pay, PhonePe, Paytm, BHIM, and all UPI apps with 0% gateway fee.Cards (Credit / Debit)
Visa, Mastercard, RuPay, American Express via PCI-DSS tokenized checkout.Net Banking & COD
50+ major Indian banks supported. Cash on Delivery available for verified addresses.2. Transaction Failure & Auto-Refund Timeline (RBI Mandate)
Under the Reserve Bank of India (RBI) circular on Harmonisation of Turn Around Time (TAT) for failed transactions:
RBI T+5 Banking Days Reversal Rule
If an amount has been debited from your bank or card account but the order failed to generate on our website due to network timeout or gateway handshake failure, your funds are safely held in the interbank settlement network. The issuing bank will automatically credit the full amount back to your source account within T+5 working days.
If the amount is not received after 5 working days, please share your bank statement reference (UTR or RRN number) with us at support@justforbeauty.in and we will expedite settlement with the payment aggregator.
3. PCI-DSS Compliance & Card Tokenization
In strict adherence to RBI guidelines on Card-on-File Tokenization (CoFT):
- We never store complete 16-digit card numbers, CVVs, or bank account PINs on our servers.
- Card details are tokenized directly with authorized card networks (Visa, Mastercard, RuPay) using certified payment gateways.
- All checkout data transmitted between your browser and our server is secured using 256-bit TLS/SSL encryption.
4. Order Cancellation & Approved Refund Processing
When a customer cancels an eligible order or a return is approved by our quality inspection team:
| Payment Mode | Refund Destination | Estimated Credit Time |
|---|---|---|
| UPI | Original UPI linked bank account | 24 to 48 hours |
| Credit / Debit Card | Original issuing bank card | 3 to 5 business days |
| Net Banking | Source bank account | 3 to 5 business days |
| Cash on Delivery (COD) | Customer bank transfer via NEFT/UPI | 2 to 4 business days post bank details submission |
