Payment Policy

Last Updated: 24 July 2026

At ANOUK, we aim to provide a secure, convenient, and transparent payment experience for all orders placed through ANOUK.in.

This Payment Policy explains the payment methods, transaction processing, payment failures, refunds, and other payment-related terms applicable to purchases made on our website.

1. Accepted Payment Methods

Depending on availability at checkout, ANOUK may accept payment through methods such as:

  • Credit Cards
  • Debit Cards
  • UPI
  • Net Banking
  • Mobile Wallets
  • Other supported online payment methods
  • Cash on Delivery (COD), where available

The payment options available for your specific order will be displayed during checkout.

2. Currency

All product prices and payments on ANOUK are generally displayed and processed in Indian Rupees (INR) unless otherwise stated.

Applicable taxes, shipping charges, discounts, or other charges will be shown during checkout where applicable.

3. Secure Payments

Online payments may be processed through authorized third-party payment gateways and financial service providers.

ANOUK does not intentionally store sensitive payment credentials such as your complete credit/debit card number, CVV, UPI PIN, or banking password where these details are processed directly by the applicable payment provider.

Customers should never share their OTP, UPI PIN, CVV, or banking password with anyone claiming to represent ANOUK.

4. Payment Confirmation

An order will generally be confirmed after successful payment authorization or, for eligible COD orders, after successful order placement and any applicable verification.

After confirmation, you may receive order details through email, SMS, WhatsApp, or another available communication channel.

Please ensure that the email address and mobile number entered during checkout are correct.

5. Failed or Pending Payments

Sometimes a payment may fail or remain pending due to:

  • Bank or card issuer issues
  • Payment gateway errors
  • Network connectivity problems
  • Incorrect payment details
  • Transaction limits
  • UPI or banking service interruptions

If payment fails, please verify your bank account before attempting another transaction.

If money has been deducted but your order has not been confirmed, please contact us with your transaction and order details. In many cases, failed transaction amounts are automatically reversed by the bank or payment provider.

6. Duplicate Payments

If you believe you have been charged more than once for the same order, please contact our customer support team.

After verification, any confirmed excess payment will be handled appropriately and, where applicable, refunded to the eligible payment method.

7. Cash on Delivery (COD)

Cash on Delivery may be available for selected products and serviceable PIN codes.

COD availability will be displayed during checkout.

ANOUK may verify COD orders through phone, SMS, WhatsApp, OTP, or another available method before dispatch.

COD availability may be restricted for certain locations, products, order values, or accounts with repeated unsuccessful deliveries, where reasonably necessary.

8. Pricing and Charges

The amount payable during checkout will reflect the applicable product price and any applicable taxes, shipping charges, COD charges, discounts, or promotional benefits.

Please review your final order amount carefully before completing payment.

9. Refunds

Refunds for eligible cancelled, returned, damaged, defective, or incorrect orders will be processed according to our applicable Cancellation Policy and Return & Refund Policy.

For prepaid orders, approved refunds are generally processed back to the original payment method, where technically possible.

Actual credit time after a refund is initiated may depend on your bank, card issuer, UPI provider, or payment gateway.

10. Refund Processing Time

Once an eligible refund has been approved and initiated by ANOUK, it may take approximately 5–10 business days to reflect in your account, depending on the payment provider and financial institution.

Banking holidays and payment-provider processing times may affect this timeframe.

11. Payment Fraud and Verification

For the security of our customers and business, we may review or verify transactions that appear unusual or potentially unauthorized.

An order may be placed on hold or cancelled where there are reasonable concerns regarding payment authorization or fraudulent activity.

12. Payment Disputes

If you notice an unauthorized, incorrect, or disputed transaction related to an ANOUK order, please contact us promptly.

Please provide your Order ID, transaction reference, payment date, and relevant details so our team can investigate.

13. Contact Us

For payment, transaction, or refund-related assistance, please contact:

ANOUK

Address:
UG-1093/1094, The Polaris Textile City
BRTS Road, Near Rajhans The Fabrizo
Magob, Surat, Gujarat – 395012, India

Phone: +91 90811 59409
Email: info@anouk.in
Website: ANOUK.in