Last Updated: September 2026

At SwifCarts, we aim to provide a simple, secure and convenient payment experience for all our customers. By placing an order on our website, you agree to the payment terms described below.

1. Accepted Payment Methods

SwifCarts may offer multiple payment options depending on product, location and availability, including:

  • UPI
  • Credit Cards
  • Debit Cards
  • Net Banking
  • Mobile/Online Banking
  • Digital Wallets, where available
  • Cash on Delivery (COD), where available

The payment options available for a particular order will be displayed during checkout.

2. Online Payments

For online payments, customers will be redirected to or connected with our authorised payment gateway/service provider.

Customers should ensure that the payment details entered during checkout are correct. SwifCarts does not store complete card details such as your full card number, CVV or banking credentials on its servers.

3. Payment Confirmation

An order will generally be considered confirmed after successful payment verification by our payment gateway.

After placing an order, you may receive an order confirmation through the contact information provided during checkout.

In case the payment is successful but the order confirmation is not received, please contact our customer support team before making another payment.

4. Failed or Pending Payments

Sometimes a payment may appear as failed, pending or incomplete because of:

  • Bank or payment gateway issues
  • Internet connectivity problems
  • Incorrect payment information
  • Transaction timeout
  • Bank security or transaction limits

If money has been deducted but the order has not been confirmed, please do not make another payment immediately. Contact SwifCarts support with the transaction details so that the payment status can be checked.

5. Duplicate Payments

If you accidentally make multiple payments for the same order, please contact us as soon as possible.

After verification, eligible duplicate payments may be refunded through the appropriate payment method.

6. Cash on Delivery

Cash on Delivery may be available for selected products, locations and orders.

COD availability may depend on factors such as delivery location, product category, order value and other operational conditions.

The available payment options will be displayed during checkout.

7. Refunds

If an order is cancelled, returned or refunded according to our applicable policies, the eligible refund amount will be processed through the appropriate payment method.

For online payments, refunds are generally sent back through the original payment method or the payment channel used for the transaction.

The time taken for the amount to appear in your account may depend on your bank or payment service provider.

8. Pricing & Taxes

All product prices displayed on SwifCarts are subject to change without prior notice.

Applicable taxes, delivery charges, discounts or other charges, if any, will be displayed during checkout before the order is placed.

9. Promotional Offers

Promotional discounts, coupons, cashback or payment offers may be subject to specific terms and conditions.

Some offers may be limited to particular payment methods, products, customers, minimum order values or promotional periods.

10. Payment Security

SwifCarts takes reasonable measures to maintain a secure shopping and payment environment. Customers should never share their:

  • OTP
  • UPI PIN
  • ATM PIN
  • Card CVV
  • Internet banking password
  • Payment account password

with anyone claiming to represent SwifCarts.

SwifCarts will never ask you to share your OTP, UPI PIN or banking password over phone, WhatsApp, SMS or email.

11. Contact Us

If you have any questions regarding payments, failed transactions, refunds or order payments, please contact us.

SwifCarts
📞 9246283027
📍 Madhyapara, Patuli, Badkulla, Nadia – 741121, West Bengal, India

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