Payment & Security Policy

At spcart.in, your payment security and transaction privacy are our top priorities. We ensure that all payments are processed in a safe and secure environment using trusted and encrypted technologies.

1. Accepted Payment Methods

We accept a wide range of secure payment options, including:

• Credit Cards (Visa, MasterCard, RuPay, etc.)
• Debit Cards
• Net Banking
• UPI (Google Pay, PhonePe, Paytm, etc.)
• Wallets (where applicable)

2. Payment Gateway Security

All online payments on our website are processed through secure, PCI-DSS compliant payment gateways. Your card or banking details are encrypted using industry-standard SSL (Secure Socket Layer) technology and are never stored on our servers.

3. Fraud Prevention

To protect against fraud, we may conduct additional verification or request identity confirmation before processing certain high-value or suspicious transactions. We reserve the right to cancel any order if fraudulent activity is suspected.

4. Payment Confirmation

Once a payment is successfully completed, you will receive an order confirmation via email or SMS. If you do not receive a confirmation within a reasonable time, please check your spam folder or contact our support team.

5. Payment Failures

If a payment fails but the amount is deducted from your account, it is typically refunded by your bank within 5–7 business days. If the issue persists, please contact your bank or payment provider directly.

6. Data Privacy

We respect your privacy and protect your personal and financial data. All information collected during transactions is used solely for order processing and is governed by our Privacy Policy.

7. Policy Updates

We may update this Payment & Security Policy from time to time. Please review this page periodically to stay informed about changes.