Payment Policy

💳 Payment Policy – SCM Shirts

At SCM Shirts, we strive to make your shopping experience seamless, secure, and transparent. This Payment Policy outlines the terms and conditions related to payments made on our website (www.scmshirts.com).

🔹 1. Accepted Payment Methods

We accept the following payment options for your convenience:

💳 Credit Cards – Visa, MasterCard, RuPay, American Express
🏦 Debit Cards – All major Indian banks
🛒 UPI (Google Pay, PhonePe, Paytm, BHIM, etc.)
📱 Net Banking
💼 Wallets (select wallets may be supported)
💵 Cash on Delivery (COD)* – Available on select pin codes

🔹 2. Payment Security

All online payments are processed through secure and trusted third-party payment gateways.
We use SSL encryption to ensure your payment data is protected.
SCM Shirts does not store your credit/debit card or payment information on our servers.

🔹 3. Order Confirmation

Once your payment is successfully processed, you will receive an order confirmation email and SMS with your order details.
If you do not receive confirmation within 24 hours, please contact our support team.

🔹 4. Failed or Declined Transactions

If your transaction fails:

Please check your bank/payment gateway for sufficient balance or internet issues.
Try a different payment method or contact our support for help.

🔹 5. Refunds & Payment Reversals

Refunds (if applicable) are processed to the original payment method within 5–7 business days.
For Cash on Delivery orders, refunds (on approved returns) will be issued via bank transfer or UPI.

For full refund details, refer to our Return & Refund Policy.

🔹 6. Cash on Delivery (COD)

COD is available for select orders under a value limit.
Additional charges may apply for COD service.
Orders placed via COD may be confirmed by phone before dispatch.

🔹 7. Pricing Policy

All product prices are listed in Indian Rupees (INR) and include applicable taxes unless otherwise mentioned.
Prices are subject to change without prior notice, but you will be charged the rate shown at the time of order.

🔹 8. Contact for Payment Issues

For any payment-related queries or support, feel free to reach out to us:

SCM Shirts
House of Seyad, North By Pass Road, Vannarpettai,
Barani Nagar, Tirunelveli, Tamil Nadu – 627003
📞 Phone: +91 94425 49786, +91 0462-2323086
📧 Email: shiesceam@gmail.com

Thank you for shopping with SCM Shirts – Where Quality Meets Comfort.