Payment Methods

Pay however suits you. Checkout runs on Razorpay, a PCI-DSS compliant Indian payment gateway, so your card and UPI details go straight to them and never touch our systems.

What we accept

  • UPI — Google Pay, PhonePe, Paytm, BHIM, and any other UPI app. Scan or approve in your app. Usually the fastest option, and the fastest to refund.
  • Credit and debit cards — Visa, Mastercard, RuPay, American Express, and Diners Club.
  • Netbanking — all major Indian banks.
  • Wallets — Paytm, PhonePe, Amazon Pay, and others offered at checkout.
  • EMI — on eligible cards and order values, where your bank offers it. Terms and interest are set by your bank, not by us.
  • Cash on Delivery — pay the courier when the parcel reaches you. See the conditions below.

The methods you actually see at checkout depend on your order value and what Razorpay has enabled at that moment. If something you expected is missing, tell us.

Cash on Delivery

COD is available on most orders, with a few conditions:

  • A ₹49 handling fee is added, shown at checkout before you confirm.
  • Available up to an order value of ₹5,000. Above that, please use a prepaid method.
  • Not available on every PIN code. Checkout will say if yours is not covered.
  • Some couriers accept UPI at the door; that is between you and the delivery agent, and cash always works.
  • Please do not refuse a COD parcel instead of cancelling. It costs us both ways on shipping. If you no longer want the order, cancel it before dispatch.

Refunds on a COD order go by UPI or bank transfer, since there is no card to credit back. We will ask for those details when a refund is due.

Currency and taxes

All prices are in Indian Rupees (₹) and include GST where it applies. The price you see is the price you pay — no surprise charges at the last step. Your invoice, with the tax break-up, comes by email after the order is confirmed.

Security

We do not see, handle, or store your card number, CVV, UPI PIN, or netbanking password. Those go directly to Razorpay over an encrypted connection. The whole site runs on HTTPS. What we keep is the order record and the last four digits of a card, which is what lets us match a refund to a payment.

We will never ask for your CVV, UPI PIN, or an OTP by email, phone, or WhatsApp. Nobody legitimate does. If someone claiming to be us asks, it is not us — please report it to support@appyquo.com.

When a payment fails

Payments fail for ordinary reasons: a bank timeout, a daily limit, an expired card, a mistyped OTP. If money left your account but the order did not appear:

  • Wait up to 60 minutes. Most such debits reverse themselves automatically.
  • If it has not reversed, write to us with the amount, time, and UPI reference or last four card digits. We will trace it with Razorpay.
  • Failed-payment debits are returned by your bank, typically within 5–7 working days.
  • Do not place the order twice unless you are sure the first did not go through — and if you do end up with a duplicate, tell us and we will refund it.

Related: Refund timelines · Terms of Service

Payment trouble?

A person reads every message. Write to us and we will reply within 24 working hours.

Cannot find your answer here?

A person reads every message and replies within 24 working hours. If a policy is unclear, that is a problem with our writing and we want to fix it.

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