Payment Policy

At Navin Creations, we are committed to providing a secure and transparent online payment experience. All orders placed through our website must be paid in full before the order is confirmed and scheduled for production.

Accepted Payment Methods

Customers can use the payment methods displayed during checkout. Depending on the customer’s location and the payment options currently supported by our payment gateway, these may include:

  • Credit Cards
  • Debit Cards
  • UPI
  • Net Banking
  • Other secure online payment methods made available at checkout

The payment methods available to a particular customer may vary depending on the issuing bank, card network, country, payment gateway and transaction eligibility.

Secure Online Payments

Online payments are processed through secure third-party payment gateways such as Razorpay and CashFree made available through our checkout.

Our website uses secure HTTPS/SSL technology to protect information transmitted between your browser and our website.

Navin Creations does not intentionally collect or store your complete Credit Card or Debit Card number, CVV, UPI PIN, Internet Banking password, OTP or other confidential banking credentials on our servers. Such sensitive payment information is entered and processed through the secure systems of the respective bank, card network or payment gateway.

Full Payment Required

All orders must be paid in full at the time of checkout.

We currently do not provide Cash on Delivery (COD) or partial-payment options for online orders.

An order is considered confirmed only after successful payment confirmation is received by our system.

Payment Confirmation

After a successful payment, the customer will normally be redirected back to our website and an order confirmation will be generated.

Please ensure that you do not close the payment window or browser immediately while the transaction is being processed.

In some cases, there may be a short delay between the bank confirming the payment and the order status being updated on our website.

Payment Debited but Order Not Confirmed

If the amount has been debited from your bank account or card but you have not received an order confirmation, please do not immediately make a second payment for the same order.

Please first check:

  • Your registered email address for the order confirmation
  • Your spam or promotions folder
  • Your order history, if you have a customer account
  • Your bank or payment-app transaction status

If the payment has been successfully debited but the order has not been confirmed, please contact our customer support team with your Order ID, registered email address and payment reference, wherever available.

Our team will verify the transaction before advising you on the next step.

Failed or Cancelled Payments

If a payment attempt fails, is cancelled or is declined by the bank or payment gateway, the order will not be considered confirmed unless successful payment is subsequently received.

Any amount temporarily blocked or debited during an unsuccessful transaction may be automatically reversed by the customer’s bank or payment service provider according to their applicable processing timelines.

Navin Creations does not control the time taken by a bank, card issuer or payment provider to complete such automatic reversals.

Duplicate Payments

If a customer is accidentally charged more than once for the same order, please contact our support team with the relevant transaction details.

After verification, any confirmed duplicate payment will be processed appropriately through the applicable payment method or payment gateway.

International Payments

International customers may use the payment options displayed during checkout for their country and transaction.

International card transactions may be subject to approval by the customer’s issuing bank, card network or payment gateway.

The customer’s bank or card issuer may also apply foreign exchange charges, international transaction fees or currency conversion charges. Such charges are determined by the respective financial institution and are not collected by Navin Creations.

Order Pricing

The final amount payable will be displayed during checkout before payment is completed.

The final amount may include, wherever applicable:

  • Product price
  • Selected customisation or personalisation charges
  • Optional add-ons
  • Applicable shipping charges
  • Applicable taxes

For domestic orders, applicable GST is included or displayed as applicable on the website and checkout.

Refunds

Refund eligibility is governed by our applicable Cancellation, Return and Refund Policy, particularly because many of our products are made-to-order, personalised or customised.

Where a refund has been approved by Navin Creations, it will normally be initiated through the original payment method used for the transaction, wherever technically possible.

Once a refund has been initiated by us, the time required for the amount to appear in the customer’s bank account, card or payment method depends on the respective bank, card issuer or payment gateway.

Bank and payment-gateway processing times are outside the direct control of Navin Creations.

Refunds for Cancelled or Unserviceable Orders

If Navin Creations is unable to fulfil an accepted order due to circumstances on our side, the customer will be contacted and an appropriate resolution will be provided in accordance with our Cancellation and Refund Policy.

A refund should not be assumed to be approved merely because a customer requests cancellation. Made-to-order, customised and personalised products may be subject to different cancellation conditions once production has begun.

Shipping Charges and Refunds

Shipping or courier charges already incurred may not be refundable once an order has been packed, dispatched or handed over to the courier.

Please refer to our Shipping & Delivery Policy and Cancellation, Return & Refund Policy for complete details.

Payment Verification and Fraud Prevention

For the security of our customers and our business, certain transactions may be subject to additional verification by the payment gateway, issuing bank or Navin Creations.

We reserve the right to place an order on hold temporarily if additional payment verification is reasonably required.

Important Note

Please complete payment only through the official payment options available on baptismdressindia.com or through an authorised payment link specifically issued by Navin Creations.

Never share your OTP, UPI PIN, card CVV, Internet Banking password or other confidential banking credentials with any person claiming to represent Navin Creations. Our team will never ask you to disclose these credentials.

Need Help With a Payment?

If you experience any difficulty while making a payment or if the amount has been debited without receiving an order confirmation, please contact our customer support team with your Order ID and payment reference so that we can verify the transaction.