Payments Policy

A Seller can offer one or more of these at checkout:

• UPI to the Seller's own UPI ID. The buyer pays from their UPI app and enters the 12-digit UPI reference; the Seller confirms they received it.
• Online payment through a payment gateway account (such as Razorpay) opened and verified in the Seller's own name. Money settles from the gateway to the Seller's bank account.
• Cash on delivery, collected by the Seller or their courier.

In every case the money is paid to the Seller. ShoperSite does not receive, hold, escrow, pool or settle buyers' payments, does not act as a payment aggregator, and is not a party to the payment.

Sellers who accept online payments must open their own account with the payment gateway, complete its KYC, and accept its terms. The gateway, not ShoperSite, decides whether to approve an account and when to settle funds.

Sellers connect their account by entering their API keys (or by an authorised connection the gateway provides). Secret keys are stored encrypted and used only to create and check payments for that Seller's shop. Sellers can disconnect at any time.

Gateway fees, settlement times, holds, reserves and account limits are set by the gateway and are the Seller's responsibility.

For gateway payments, an order is marked paid only after the payment is checked with the gateway (by verifying its signature and amount). For UPI transfers, the order shows as awaiting confirmation until the Seller confirms receipt; a UPI reference can be used for one order only.

Test-mode gateway keys move no real money. While a shop uses them, online payment is offered only to the shop owner for testing, never to buyers.

Refunds to buyers are issued by the Seller, through their gateway dashboard or directly, under the shop's own refund policy.

Chargebacks and payment disputes raised by buyers or banks are handled between the Seller and their gateway. The Seller is responsible for any amount reversed, and any related fees or penalties.

ShoperSite is not liable for failed, delayed, duplicated or reversed payments, or for any act of a gateway, bank or UPI app.

Sellers pay ShoperSite only for optional plans and themes, by the methods shown at the time. These payments are covered by our Refund & Cancellation Policy and Service Delivery Policy. ShoperSite charges no commission on Sellers' sales.

We may block payments, close a shop's checkout or suspend a shop if we reasonably suspect fraud, money laundering or misuse of payment methods, and we may report it to the gateway and the authorities. Report suspected fraud to support@shopersite.in.