Payment Policy

General Payment Policy

SSM Cosmetics and Health accepts payments for products purchased through our online store. By placing an order, the customer agrees to the following payment terms and conditions.

Accepted payment methods

Credit cards and debit cards

UPI payments

Net banking

Wallet payments (if available)

Cash on Delivery (COD), where applicable

Payment authorization

All payments must be authorized by the respective payment provider or bank.

Orders will be processed only after successful payment confirmation, except for eligible COD orders.

SSM Cosmetics and Health reserves the right to cancel or hold orders if payment verification fails or suspicious activity is detected.

Pricing and taxes

All prices displayed on the website are in Indian Rupees (INR).

Prices are inclusive/exclusive of applicable taxes as mentioned on the product page or invoice.

Shipping charges, handling fees, and any applicable taxes will be displayed at checkout before payment confirmation.

Order confirmation

Once payment is successfully received, an order confirmation will be sent to the customer via email, SMS, or WhatsApp, depending on the contact information provided.

If payment is not completed, the order may be automatically canceled after a specified period.

Cash on delivery (COD)

COD is available only for selected locations and eligible orders.

Customers must pay the full order amount to the delivery agent at the time of delivery.

SSM Cosmetics and Health reserves the right to refuse COD service for certain products, high-value orders, or locations.

Payment security

All online transactions are processed through secure and trusted payment gateways.

SSM Cosmetics and Health does not store customers’ complete card details on its servers.

Customers are responsible for ensuring the confidentiality of their payment information and account credentials.

Refunds and cancellations

Refunds for canceled or returned orders will be processed according to our Refund and Return Policy.

Approved refunds will be credited to the original payment method within the timeline specified by the payment provider or bank.

COD refunds, if applicable, may be processed through bank transfer or another approved method.

Failed or declined payments

If a payment is declined or fails, the customer should verify the payment details and contact their bank or payment provider if necessary.

SSM Cosmetics and Health is not responsible for delays caused by payment gateway issues, banking systems, or technical failures beyond our control.

Changes to payment policy

SSM Cosmetics and Health reserves the right to update or modify this Payment Policy at any time. Changes will be effective immediately upon posting on the website.