Payment Policy
Last Updated: [01-04-2026]
Accepted Payment Methods
Credit/Debit Cards (Visa, Mastercard, Rupay, Amex) · UPI (GPay, PhonePe, Paytm, BHIM) · Net Banking (all major banks) · Wallets (Paytm, PhonePe, Mobikwik, Amazon Pay) · BNPL/EMI (Simpl, LazyPay, ZestMoney, select bank EMI) · Cash on Delivery (orders up to ₹5,000, select pincodes, ₹49 handling fee).
Security
All transactions secured with 256-bit SSL encryption. Payment gateway (Razorpay) is PCI DSS Level 1 compliant. We never store card or bank account details on our servers.
Order Confirmation
Email + SMS confirmation within minutes of successful payment. No confirmation within 1 hour? Email hello@pearlypenny.in with your transaction reference number.
Failed Payments
If payment fails, no charge is deducted — or any accidental charge will be refunded by your bank within 5–7 business days. Retry with the same or a different method. Issues persisting? Contact us.
Currency
All prices in Indian Rupees (INR), inclusive of GST. International orders charged in INR and converted by your bank at the prevailing rate.