This Payment Gateway Policy explains how Affection Coaching Classes ("Affection") accepts payments for course enrollments, test series, and related digital educational products through our website and Android application.
1. Payment Methods Accepted
We accept payments through RBI-authorized payment aggregators, including but not limited to:
- UPI (Google Pay, PhonePe, Paytm, BHIM, and other UPI apps)
- Debit & Credit Cards (Visa, Mastercard, RuPay)
- Net Banking (major Indian banks)
- Wallets (where supported by our payment partner)
Our primary payment gateway partner is Razorpay Software Private Limited (or an equivalent PCI-DSS compliant provider). Payment pages may display the gateway provider's branding and terms.
2. Pricing & Currency
- All prices are displayed in Indian Rupees (INR) inclusive of applicable taxes unless stated otherwise.
- Discounts, coupon codes, and promotional offers are valid only for the specified period and cannot be combined unless explicitly stated.
- Prices shown in the App at checkout are final; verify course name and amount before confirming payment.
3. Payment Flow
- Select a course and tap Enroll / Buy Now
- Review course details, validity period, and total payable amount
- You are redirected to the secure payment gateway (in-app WebView or external browser)
- Complete payment using your preferred method
- Upon successful payment, enrollment is activated automatically and a confirmation is shown in the App
- A digital receipt/invoice is available under My Orders in your profile
4. Payment Security
- We do not store your full card number, CVV, or UPI PIN on our servers.
- Card and UPI data is entered directly on the payment gateway's secure, encrypted page.
- Transactions use industry-standard TLS/SSL encryption.
- We store only transaction reference IDs, amount paid, payment status, and timestamp for accounting and support.
5. Failed & Pending Transactions
- Failed payment: No charge is completed. You may retry from the App or contact support if amount was debited but enrollment is not active.
- Pending payment: Some net banking/UPI transactions may show as pending for up to 24–48 hours. Do not pay again until status is confirmed.
- Double debit: Contact us within 7 days with transaction ID; we will coordinate with the payment gateway for resolution or refund per gateway rules.
6. Invoices & GST
Tax invoices are issued in the name of Affection Coaching Classes (GSTIN: 09AAFCA8128L1Z8). Invoice details include course name, amount, payment method, transaction ID, and date of purchase.
7. Chargebacks & Disputes
Initiating a chargeback without contacting us first may result in account suspension. For payment disputes, email info@affectionofficial.com with your registered email, transaction ID, and screenshot of the debit. We respond within 3–5 business days.
8. Refunds
Refund eligibility and processing timelines are defined in our Refund & Cancellation Policy. Approved refunds are credited to the original payment method within 5–10 business days depending on your bank.
9. Free Courses & Demo Access
Some courses or preview lectures may be offered at zero cost. No payment information is collected for free enrollments. Terms regarding content access and account conduct still apply.
10. Contact for Payment Issues
Affection Coaching Classes
Email: info@affectionofficial.com
Phone / WhatsApp: +91 92595 96975
Main Branch Uttar Pradesh