Payment Policy & Security

01. Cashfree Payments Partnership & Compliance

To safeguard digital transactions, ARVEN partners with Cashfree Payments, an authorized payment aggregator licensed and regulated by the Reserve Bank of India (RBI) and certified under the highest global security standard: PCI-DSS Level 1.

Every online financial transaction initiated through our platform is routed through Cashfree's encrypted checkout infrastructure, ensuring that your payment data is protected by the same security frameworks employed by premier banking institutions.

02. Supported Digital Payment Channels

Patrons may complete online allocations through a wide variety of domestic and international payment instruments:

• Unified Payments Interface (UPI): Seamless one-click verification using Google Pay, PhonePe, Paytm, BHIM, CRED, or any UPI-enabled mobile application.
• Credit & Debit Cards: Full support for domestic and international cards issued on the Visa, MasterCard, RuPay, and American Express card networks.
• Net Banking: Direct account debits across 50+ major Indian retail and corporate banks (including HDFC, ICICI, SBI, Axis, and Kotak).
• Digital Wallets: Verified wallets including Paytm, Mobikwik, and Airtel Money where enabled.

03. Financial Security & Zero Card Storage Policy

Payment sessions are initiated server-side via cryptographic session tokens. When you enter payment details, you communicate directly with Cashfree's TLS 1.3 encrypted vault. Our servers only receive a signed callback confirming whether payment succeeded or failed.

04. Cash on Delivery (COD) Protocol

For patrons preferring settlement upon flacon arrival, Cash on Delivery is available across serviceable domestic Indian pin codes:

• Settlement at Handover: You may pay the courier agent using cash or via dynamic QR code (UPI) upon physical delivery.
• No Surcharge: ARVEN does not levy an arbitrary COD convenience surcharge on regular fragrance flacons.
• Verification Call / SMS: High-value COD consignments may receive an automated confirmation SMS or concierge call prior to batch packaging.

05. Failed Payments & Auto-Reconciliation

On rare occasions, a transaction may fail due to bank server timeouts, interrupted internet connectivity, or 3D-Secure authentication drops:

• Money Debited but Order Not Displayed: If your bank account was debited but you did not immediately receive an order confirmation screen, our automated server webhook will reconcile with Cashfree within 15 minutes and confirm your order automatically.
• Unsuccessful Authorizations: If the transaction is rejected by your issuing bank, Cashfree will automatically release the hold. Depending on your bank, funds will reflect back in your account within 24 to 48 hours.
• Retry Payment: You can retry payment for your pending order at our Payment Status Desk without creating a duplicate order.

06. Chargebacks & Direct Founder Resolution

Before initiating a dispute or chargeback with your credit card provider or bank, we invite you to connect directly with our founder. In virtually all cases, our atelier can resolve payment inquiries, duplicate debits, or transit concerns significantly faster than banking bureaucracy.