Accepted Payments
Customers may pay online using payment methods made available by the payment gateway at checkout. These may include UPI, cards, wallets, or other supported payment methods. Cash, UPI, or direct payment options may also be available for offline orders at the restaurant's discretion.
Payment Amount
- Menu item prices are shown before checkout.
- Applicable GST, packaging charges, and delivery charges are shown before payment.
- The restaurant validates order prices on the backend before creating the payment request.
- Orders are confirmed only after successful payment and restaurant acceptance.
Security
Annamay Restaurant & Bakery does not store full card numbers, bank account details, UPI PINs, OTPs, or payment passwords. Sensitive payment entry is handled by the payment gateway or the customer's payment app.
Payment Gateway Role
Payment gateway partners only process and verify payments. Annamay Restaurant & Bakery remains responsible for order acceptance, food preparation, delivery or pickup support, customer complaints, cancellations, and eligible refunds related to our products and services.
Failed, Pending, Or Duplicate Payments
If money is deducted but the order is not confirmed, or if a duplicate payment is made, the customer should contact us with the order number, payment reference, phone number used for the order, and transaction screenshot if available. After verification, eligible refunds will be credited back to the original payment method within 7 business days.
Refund Timeline
Approved refunds will be credited back to the original payment method within 7 business days after verification through PhonePe or the applicable payment gateway.
Failed UPI transactions are generally auto-reversed by the banking/UPI network as per applicable NPCI/RBI timelines. If a customer believes the amount was deducted but the order was not confirmed, the customer should contact us and the bank/payment provider with the payment reference.
Billing Disputes & Chargebacks
Customers should first contact Annamay Restaurant & Bakery for order or payment issues, including non-delivery, materially late delivery, damaged or missing items, duplicate payments, or amounts charged greater than the final authorized purchase amount. If the issue remains unresolved, the customer may raise a dispute with their bank, UPI app, card network, or payment provider as per the applicable payment-network process.
We maintain order, payment, refund, delivery, and support records for at least 120 days where required for dispute handling, chargebacks, accounting, tax, FSSAI, fraud-prevention, and legal compliance.