1. Accepted Payment Methods

ToSells accepts a wide range of secure payment methods to ensure a convenient checkout experience for all customers:

Payment Method	Details
Credit Cards	Visa, Mastercard, American Express, Rupay
Debit Cards	Visa Debit, Mastercard Debit, Rupay Debit
UPI	Google Pay, PhonePe, Paytm, BHIM UPI, and all UPI-enabled apps
Net Banking	All major Indian banks supported via Razorpay
Digital Wallets	Paytm, PhonePe, Amazon Pay (where available)
Razorpay	Our primary payment gateway — supports all of the above methods

Note: Available payment methods may vary depending on your country and region.

2. Payment Security

Your payment security is our top priority. We implement the following measures:

SSL Encryption: Our entire website is secured with 256-bit SSL/TLS encryption. All data transmitted between your browser and our servers is fully encrypted.
PCI-DSS Compliance: All payments are processed through Razorpay, a PCI-DSS Level 1 compliant payment gateway — the highest level of security certification in the payments industry.
No Card Storage: ToSells does not store your full credit card number, CVV, or card expiry date on our servers. All sensitive payment data is handled exclusively by our PCI-compliant payment processor.
3D Secure Authentication: For added protection, credit and debit card transactions are authenticated via 3D Secure (Verified by Visa / Mastercard SecureCode) where applicable.
Fraud Detection: Our payment gateway employs advanced fraud detection algorithms to identify and block suspicious transactions.

3. Payment Processing

Payments are processed immediately at the time of checkout.
Your order will only be confirmed and products delivered after successful payment verification.
If your payment fails or is declined, no charges will be applied, and no products will be delivered. You may retry with a different payment method.
For UPI and net banking payments, processing may take a few additional seconds while we receive confirmation from your bank.

4. Currency

All prices on ToSells are displayed in Indian Rupees (INR) by default. For international customers, your bank or card issuer may convert the amount to your local currency at their prevailing exchange rate. Any currency conversion fees are the responsibility of the customer.

5. Taxes (GST)

Applicable Goods and Services Tax (GST) at the rate of 18% is calculated and displayed separately during checkout. The tax breakdown (CGST/SGST or IGST) is shown on your invoice based on your billing address.

6. Invoices & Receipts

A detailed invoice is generated for every order, which includes:

Order number and date
Product details and quantity
Price, discount (if applicable), and tax breakdown
Total amount paid
Payment method used

Invoices are sent to your email and are also available in your account under My Orders.

7. Failed Payments & Disputes

If you experience a payment issue:

Amount deducted but order not confirmed: Please wait 30 minutes. If the order is still not confirmed, the amount will be automatically refunded within 5-7 business days. Contact support if the refund does not appear.
Double charged: Contact us at support@tosells.com with your order details. We will verify and process a refund for the duplicate charge.

8. Contact Us

For any payment-related queries, contact us at:

Email: support@tosells.com
Support Page: tosells.com/p/contact