Payment

Online Payment Options

We accept the following payment options:

• Payment in store (Cash/Debit Card);
• Payment with Debit Card at delivery;
• Kirpalani Cards (Credit, Gift, Customer cards);
• Local bank wire transfer;
• International Credit Cards (e.g. Visa, Mastercard, Discover, American Express) via PayPal.
• Uni5Pay+ (Mobile Paymentmethod);

Our checkout page is secured and encrypted via state-of-the-art SSL security. Our payments portal has also passed international PCI compliance tests. We do NOT store international credit card information locally. All card information is passed over a secure connection directly to the processor.

Our site is secured with an SSL certificate and utilizes the highest level of encryption. You can rest assured that communications (e.g. credit card numbers) between your browser and this site’s web servers are private and secure when the SSL session is activated during the checkout process.

Authorizing Your Credit Card

When you place an order on our website, our processor contacts your credit card’s issuing bank to confirm that your credit card is a valid number and has not been reported as lost or stolen. They do this by requesting authorization for the sale in the amount of your order total. Your card is not actually charged at this time, but a hold is placed on the account in the amount of the order total. Typically, we will not charge your card for the items in your order until we are ready to ship.

On occasion, a card authorization can fail once or twice before the card is finally accepted. If your transaction fails at checkout, you can attempt again after 15 minutes to avoid problems with duplicate transactions. Please note, your credit card may be blocked if you retry too quickly or too often with a failed authorization. In this event, please contact your credit card issuer.

Why is my credit card declined?

Your credit card may be declined because of the following reasons:

• Incorrect data:
  You might have entered incorrect billing or shipping data, verification code. After 2(two) failed attempts, please do not try for the 3rd (third) time to prevent freezing your card. Go back and verify with the card issuer or bank that all information in their system reflects your current information.
• Expired credit card:
  Your card might have expired.
  Kindly check with the card issuer or bank and renew if needed.
  Please remember to update the expiration date on any accounts that are set for automatic payment.
• Low on credit:
  If you have insufficient credit balance left on your card and have hit your limit, your transaction will be declined.
  Please check with the card issuer or bank and clear your expenses to regain sufficient limit.
• Unusual activity: if your purchasing behavior suddenly becomes inconsequent.
• Unusual location: if the location you try to make a purchase at is suddenly out of your usual shopping area.
  To prevent these red flags, please notify your card issuer in advance of if you plan to use the card in any manner that is unusual for you.
  Also, notify in advance if you are traveling with your card.

For additional support please contact your credit card issuer or contact us for more information.