Payments — TownZa

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Accepted Payment Methods

Choose the method that works best for you

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UPI

GPay, PhonePe, Paytm, BHIM and all UPI-enabled apps

Recommended

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Credit / Debit Card

Visa, Mastercard, RuPay, and American Express accepted

Widely accepted

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Net Banking

All major Indian banks supported via secure gateway

All major banks

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Digital Wallets

Paytm Wallet, Mobikwik, Amazon Pay and more

Instant payment

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Cash on Delivery

Pay in cash when your order arrives at your door

Vendor-specific

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Buy Now Pay Later

Simpl, LazyPay and other BNPL options where available

Coming soon

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How Payment Works

From checkout to confirmation

1

Add Items to Cart

Browse products from local vendors and add your items to the cart. Review quantities and sizes before proceeding.

2

Proceed to Checkout

Enter your delivery address and apply any coupon code (e.g. TOWNZA10 for 10% off). Review your order total including delivery charges.

3

Choose Your Payment Method

Select UPI, card, net banking, wallet, or COD. You are redirected to a secure payment gateway — TownZa never sees your card or UPI PIN.

4

Complete Payment

Authenticate with your UPI PIN, OTP, or card CVV. The payment is processed in seconds through an encrypted connection.

5

Order Confirmed

You receive an order confirmation email with your order ID. The vendor is notified immediately and begins processing your order.

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Cash on Delivery (COD)

Pay when your order arrives

⚠️ COD is offered at the vendor's discretion

Not all vendors offer COD — availability is shown at checkout before you place the order
COD is available only within the vendor's local delivery area
Keep the exact change ready — delivery agents may not carry change
COD orders must be paid in full at the time of delivery — partial payment is not accepted
Refunds for COD orders are processed via bank transfer (NEFT) and may take 5–7 business days
Repeatedly refusing COD deliveries may result in COD being disabled for your account

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Common Payment Issues

What to do when something goes wrong

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Payment failed but money was deducted

This happens when the payment gateway times out after your bank deducts the amount. The amount is automatically refunded within 5–7 business days. If it doesn't return, Report a Problem with your transaction ID and bank details.

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Double charge / duplicate payment

If you were charged twice for the same order, check your My Orders page first. If only one order exists, the second charge will be auto-reversed within 3–5 business days by your bank. Still concerned? Report it to us immediately.

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Payment pending / stuck on processing

If your payment is stuck in a pending state for more than 30 minutes, do not retry the payment. Wait for the status to update or check with your bank. Your order will be confirmed automatically once the payment clears.

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Payment declined by bank

Your bank may decline the payment due to insufficient balance, daily transaction limits, or security flags. Try a different payment method, or contact your bank to enable online transactions. No amount is deducted on a declined payment.

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Payment succeeded but order not placed

Wait 10–15 minutes and check My Orders. If the order does not appear, the payment will be automatically refunded. Report a Problem with your payment reference number so we can investigate.

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Payment Security

How we keep your money and data safe

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256-bit SSL Encryption

All payment data is transmitted over a fully encrypted HTTPS connection — the same standard used by banks.

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PCI-DSS Compliant Gateway

Payments are processed through certified gateways that meet the highest global security standards.

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Zero Card Storage

TownZa never stores your card number, CVV, or UPI PIN on our servers. Your credentials stay with your bank.

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Instant Alerts

You receive an email and SMS confirmation for every transaction so you always know what's happening.

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Fraud Monitoring

Our payment partners run real-time fraud detection on every transaction to protect your account.

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2-Factor Authentication

OTP-based verification is required for all card and net banking payments as an extra layer of protection.

🛡️ Read our full Security Policy →

Safe & Easy Payments