Payment Options & Policy
This page lists the ways you can pay for an order, what each one costs, and exactly what to do if money leaves your account but the order does not go through.
Smart Agro Care · Last updated: 24 June 2026
Pay online, delivery free
UPI, credit and debit cards, net banking and wallets. No delivery charge on prepaid orders.
Cash on Delivery
Pay the delivery person in cash. A flat ₹100 delivery charge applies to COD orders.
We never see your card
Payments are handled by Razorpay. Card and UPI details are never stored on our servers.
1.Ways you can pay
You can choose your payment method at checkout, before the order is confirmed.
- UPI — Google Pay, PhonePe, Paytm, BHIM and any other UPI app
- Credit and debit cards — Visa, Mastercard, RuPay, American Express
- Net banking — all major Indian banks
- Wallets supported by our payment partner
- Cash on Delivery (COD) — pay in cash when the order reaches you
2.Delivery charges by payment method
Paying online carries no delivery charge. Cash on Delivery carries a flat ₹100 delivery charge, which covers the cost of collecting and remitting cash.
Whichever you choose, the full amount — including any delivery charge — is shown to you at checkout before you confirm. There are no hidden charges added later.
3.Prices and taxes
All prices are in Indian Rupees (INR). The price shown against a product is what you pay for it, with GST accounted for as displayed at checkout.
A GST invoice is issued for every order and is sent to you along with your order confirmation.
4.If your payment fails
If money was debited but your order was not confirmed, do not pay again. The amount is almost always reversed automatically.
A payment can fail for reasons on the bank's side — a network drop, an expired card, a daily limit, or an OTP that timed out. When that happens, any amount debited is reversed by your bank automatically, normally within 5 to 7 working days. No order is created and you are not charged by us.
If the money has not returned after 7 working days, contact us on +91 8446141367 or info@smartagrocare.in with the date, the amount, and the bank or UPI reference number of the transaction. We will trace it with our payment partner and confirm the outcome to you.
If you were charged twice for the same order, tell us straight away — the duplicate amount is refunded in full to the original payment method.
5.Payment security
Online payments are processed by Razorpay, a PCI-DSS compliant payment gateway. Your card number, CVV, UPI PIN and net banking password are entered on the gateway's own secure screen and are never seen by, sent to, or stored on our systems.
We will never ask you for your UPI PIN, card CVV, OTP or net banking password over the phone, on WhatsApp, or by email. Anyone who does is not from Smart Agro Care — please report it to us.
6.Cash on Delivery terms
Please keep the exact amount ready — the delivery person may not carry change. COD is available only on serviceable PIN codes, and we may decline COD on high-value orders or where previous COD orders were refused.
Refusing to accept a COD order at the door does not cancel your obligations under our Cancellation Policy, and repeated refusals may lead to COD being withdrawn for that address.
Questions about this policy?
We're happy to help — reach out through any of the channels below.