PAYMENT TERMS & PAYMENT POLICY
Legal Entity: KHADIM SOLUTIONSBrand: Zehbia’s Wardrobe – A Tailoring PlatformVersion: 1.0Status: Draft — Implementation ReadyEffective Date: 1ST SEP 2026Last Updated: 1ST SEP 2026Jurisdiction: India
1. PURPOSE
This Payment Terms & Payment Policy ("Payment Policy") explains how payments, invoices, partial payments, payment failures, refunds, credits, outstanding balances and related financial transactions are handled on the Zehbia’s Wardrobe – A Tailoring Platform ("Zehbia").
Zehbia may provide customised tailoring services where payment may occur at different stages of an order.
This Policy is intended to establish a transparent payment lifecycle for:
Customers;
Customer Support;
Field Officers;
Tailors;
Finance personnel;
Administrators; and
Payment/service providers.
This Policy should be read together with:
Zehbia Terms & Conditions;
Zehbia Privacy Notice;
Cancellation, Refund & Order Modification Policy;
Delivery Policy; and
Offers & Cashback Terms.
2. BUSINESS ENTITY
All payments made for Zehbia services are made in relation to:
KHADIM SOLUTIONS
Brand:Zehbia’s Wardrobe – A Tailoring Platform
Registered Address:1324 Khadim Villa, Mehjoor Nagar, Natipora,Srinagar, Kashmir, J&K – 190015, India
Email: zehbia@zehbia.comCustomer Support: +91-889-974-9158Grievance: grievance@zehbia.comData Protection: info@zehbia.com
Websites:www.zehbia.com | www.zehbia.in
3. CURRENCY
Unless otherwise specified, all prices displayed by Zehbia will be denominated in:
Indian Rupees (INR / ₹).
Any applicable taxes, fees or other charges should be displayed or communicated to the customer before payment wherever reasonably practicable.
4. PRICING
The price of a tailoring order may depend on factors including:
Garment type;
Quantity;
Stitching requirements;
Design complexity;
Fabric requirements;
Additional services;
Alterations;
Pickup/home visit;
Delivery;
Express/priority service;
Applicable taxes;
Applicable discounts;
Offers;
Cashback;
Other customer-selected options.
The final payable amount should be presented to the customer before confirmation of the relevant paid service, subject to legitimate adjustments described below.
5. PRICE BREAKDOWN
Where technically possible, Zehbia should display a clear breakdown such as:
Garment / Service ₹ XXX
Additional Stitching ₹ XXX
Pickup / Home Visit ₹ XXX
Delivery ₹ XXX
-------------------------------------------
Subtotal ₹ XXX
Discount ₹ XXX
Coupon ₹ XXX
Cashback ₹ XXX
Applicable Tax ₹ XXX
-------------------------------------------
TOTAL ₹ XXX
The exact breakdown will depend on the services selected.
6. PRICE CONFIRMATION
Before an online payment is initiated, the customer should be able to review:
Order/service;
Quantity;
Price;
Discounts;
Applicable charges;
Taxes, where applicable;
Amount payable;
Payment method.
The customer should then explicitly proceed with payment.
7. PAYMENT METHODS
Zehbia may support one or more payment methods, including:
UPI;
Debit cards;
Credit cards;
Net banking;
Wallets;
Payment links;
Other supported digital payment methods;
Cash, where specifically enabled by Zehbia.
Available payment methods may vary based on:
Customer location;
Payment provider;
Transaction amount;
Technical availability;
Security controls.
8. PAYMENT GATEWAY
Zehbia may use a third-party payment gateway to process online transactions.
The final payment gateway used by Zehbia will be identified in the relevant application/website and documentation.
The payment gateway may process information necessary to complete the transaction.
Zehbia should not store sensitive payment credentials such as:
Card CVV;
Card PIN;
Internet banking passwords;
UPI PIN.
9. PAYMENT AUTHENTICATION
Some payment methods may require authentication by the customer's:
Bank;
Card issuer;
UPI provider;
Payment service provider.
The customer is responsible for completing any authentication required by their selected payment method.
Zehbia will not ask customers to disclose their:
UPI PIN, ATM PIN, card PIN, password or OTP to customer-support personnel.
10. ORDER PAYMENT MODELS
Zehbia may support:
A. Full Payment
The entire order amount is paid before production or delivery.
B. Advance Payment
A specified amount or percentage is paid initially.
C. Partial Payment
The customer pays part of the amount and the remaining balance becomes payable at a later stage.
D. Pay at Delivery / Collection
Where enabled, the customer may pay at the applicable service stage.
The applicable payment model will be displayed before confirmation.
11. ADVANCE PAYMENT
Where Zehbia requires an advance payment, the order may not be treated as fully confirmed until the required advance has been successfully received.
Example:
Order Value ₹2,000
Required Advance ₹1,000
Paid ₹1,000
Outstanding ₹1,000
The customer will be able to see the outstanding amount in the order/payment history.
12. PAYMENT CONFIRMATION
An order payment should be considered successful only when Zehbia receives an appropriate confirmation from the payment system.
A screen showing:
"Payment Processing"
does not necessarily mean that payment has succeeded.
Customers should avoid making repeated payments until the transaction status has been verified.
13. PAYMENT STATUS
Zehbia may use payment statuses such as:
PENDING
PROCESSING
SUCCESS
FAILED
CANCELLED
REFUNDED
PARTIALLY_REFUNDED
PARTIALLY_PAID
OVERDUE
DISPUTED
The exact statuses used internally may differ while preserving the same underlying meaning.
14. PAYMENT FAILURE
A payment may fail because of:
Bank rejection;
Insufficient funds;
Payment gateway error;
Network interruption;
Authentication failure;
Incorrect payment information;
Transaction timeout;
Security restrictions;
Payment-provider outage.
If payment fails, Zehbia may keep the order in:
Payment Pending
until payment is successfully completed or the order is cancelled.
15. MONEY DEBITED BUT PAYMENT SHOWS FAILED
If money has been debited from the customer's account but Zehbia shows:
Payment Failed / Pending
the customer should contact Zehbia rather than making repeated payments.
Zehbia may verify the transaction with the payment provider.
If the transaction is confirmed unsuccessful, the bank/payment provider may reverse the amount according to its applicable process.
16. DUPLICATE PAYMENTS
If the same order is accidentally paid more than once, Zehbia will investigate the transactions.
Once the duplicate payment is verified, the excess amount may be:
Refunded;
Adjusted against an outstanding Zehbia amount; or
Otherwise resolved with the customer's agreement.
17. PAYMENT RECEIPT
After a successful payment, Zehbia may provide:
Payment confirmation;
Transaction reference;
Order reference;
Amount paid;
Date/time;
Payment method;
Invoice/receipt, where applicable.
Customers should retain payment references for future enquiries.
18. INVOICES
Where an invoice is applicable, Zehbia may issue an invoice containing information such as:
KHADIM SOLUTIONS;
Zehbia’s Wardrobe branding;
Invoice number;
Invoice date;
Customer details;
Order number;
Description of services;
Quantity;
Price;
Applicable tax;
Discount;
Total amount;
Payment status.
Tax-related information will be handled according to the applicable requirements.
19. TAXES
Prices displayed by Zehbia may include or exclude applicable taxes depending on how the price is presented.
Where applicable, taxes will be shown separately or incorporated into the displayed price in accordance with applicable law.
Zehbia reserves the right to correct tax calculations where a genuine tax or pricing error has occurred.
20. ADDITIONAL CHARGES
Additional charges may arise from customer-requested services such as:
Additional alterations;
Additional stitching;
Design modifications;
Additional fabric/material;
Express processing;
Additional pickup;
Re-delivery;
Other separately requested services.
Where reasonably practicable, Zehbia will inform the customer of the additional charge before performing the additional paid work.
21. CUSTOMER APPROVAL FOR ADDITIONAL CHARGES
Where an additional charge requires customer approval, Zehbia may obtain approval through:
Application;
Website;
Authenticated account;
Customer support;
SMS/email;
Other recorded communication.
The additional amount should be recorded against the relevant order.
22. PAYMENT HISTORY
Customers should have access to their payment history through the Zehbia platform, where technically available.
Payment history may include:
23. ORDER BALANCE
Where partial payment is supported, Zehbia should clearly display:
Total Order Value ₹5,000
Amount Paid ₹2,500
Amount Refunded ₹0
Credit/Cashback ₹500
Outstanding Balance ₹2,000
The exact calculation should depend on the applicable payment rules.
24. OUTSTANDING PAYMENT
If an order has an outstanding amount, Zehbia may:
Display the outstanding amount;
Send payment reminders;
Restrict certain subsequent order actions;
Require payment before delivery, where disclosed;
Require payment before production progresses, where disclosed.
Customers should not be charged twice for the same amount.
25. PAYMENT DEADLINES
Where a payment deadline applies, Zehbia will communicate:
Amount due;
Due date;
Order;
Consequence of non-payment.
If payment is not received within the applicable period, the order may be placed on hold or cancelled in accordance with the relevant policy.
26. CASH PAYMENTS
If Zehbia enables cash payments, the Field Officer or authorised representative may record:
Amount collected;
Date/time;
Order ID;
Payment status;
Collector identity;
Receipt/reference.
Unauthorised personnel should not collect cash on behalf of Zehbia.
Customers should request a receipt for any cash payment.
27. FIELD OFFICER PAYMENT COLLECTION
Where Field Officers are authorised to collect payments, the system should record the collection against the specific order.
Recommended workflow:
Customer
↓
Payment Due
↓
Field Officer Collects
↓
Payment Recorded
↓
Receipt Generated
↓
Admin/Finance Verification
↓
Order Balance Updated
Field Officers should not be permitted to manually alter order prices without appropriate authorisation.
28. ADMIN PRICE CHANGES
Administrative users may be given authority to:
Create price lists;
Update service prices;
Apply approved discounts;
Approve exceptional charges.
Price changes should be:
Permission-controlled;
Logged;
Auditable.
29. PAYMENT REFUNDS
Refunds will be handled in accordance with the Zehbia Cancellation, Refund & Order Modification Policy.
Depending on the circumstances, a refund may be:
Full;
Partial;
Reversed;
Credited;
Adjusted.
30. REFUND TO ORIGINAL PAYMENT METHOD
Where practical, approved online refunds will generally be returned to the original payment source.
For example:
UPI → Original UPI-linked payment route
Card → Original card/payment route
The actual credit timeline depends on the payment provider and financial institution.
31. REFUND STATUS
The system may display:
REFUND_REQUESTED
REFUND_UNDER_REVIEW
REFUND_APPROVED
REFUND_PROCESSING
REFUND_COMPLETED
REFUND_FAILED
REFUND_REVERSED
Customers should be able to see the current status where appropriate.
32. REFUND TRANSACTION REFERENCE
For every processed refund, Zehbia should retain:
Original payment ID;
Original transaction ID;
Refund ID;
Refund amount;
Refund date;
Refund gateway reference;
Refund status.
This is important for customer support and financial reconciliation.
33. PAYMENT DISPUTES
If a customer believes a payment is incorrect, the customer should contact Zehbia promptly.
The customer may provide:
Order ID;
Payment ID;
Transaction ID;
Amount;
Date;
Payment method;
Description of the issue.
Zehbia will investigate the matter using available transaction records.
34. CHARGEBACKS
Customers may have rights to raise payment disputes or chargebacks through their bank/card/payment provider.
Where a chargeback is raised, Zehbia may provide transaction and order documentation to the relevant financial/payment institution.
35. FRAUD PREVENTION
Zehbia may implement reasonable payment-security measures to detect:
Suspicious transactions;
Multiple failed payments;
Payment manipulation;
Cashback abuse;
Coupon abuse;
Account takeover;
Unusual transaction patterns.
Transactions may be temporarily held for verification where reasonably necessary.
36. PAYMENT ACCOUNT SECURITY
Customers must not:
Share OTPs;
Share UPI PINs;
Share card PINs;
Share passwords;
Allow unauthorised persons to access their account.
Zehbia employees will not ordinarily require such credentials.
37. CASHBACK AND PAYMENT
Cashback may be treated separately from actual cash payments.
For example:
Order Value ₹2,000
Discount ₹200
Cashback Applied ₹100
------------------------------
Amount Payable ₹1,700
The exact calculation will depend on the applicable offer.
38. WALLET / ZEHBIA CREDIT
If Zehbia introduces a wallet or account-credit feature, the applicable terms will specify:
How credit is earned;
How credit is used;
Expiry;
Transferability;
Refundability;
Cancellation treatment;
Restrictions.
Unless expressly stated otherwise, promotional credits should not be treated as bank deposits or cash balances.
39. OFFERS AND DISCOUNTS
Offers may include:
Percentage discounts;
Fixed-value discounts;
First-order offers;
Referral benefits;
Seasonal promotions;
Cashback;
Loyalty benefits.
Each offer may have specific eligibility conditions.
40. PRICE ERRORS
If Zehbia accidentally displays an incorrect price due to a technical or human error, Zehbia may take reasonable steps to correct the error.
If an incorrect price has already been paid, Zehbia may contact the customer regarding:
Confirmation at the correct price; or
Cancellation/refund.
Mandatory consumer rights remain unaffected.
41. PAYMENT PROVIDER OUTAGES
Zehbia is not responsible for delays caused solely by:
Bank outages;
UPI outages;
Payment gateway outages;
Card network issues;
Internet infrastructure failures;
Other external financial-system failures.
Zehbia will nevertheless make reasonable efforts to assist customers in resolving transaction-status issues.
42. PAYMENT DATA AND PRIVACY
Payment-related personal data will be handled according to the Zehbia Privacy Notice.
Zehbia may retain payment information necessary for:
Accounting;
Tax;
Reconciliation;
Refunds;
Customer support;
Fraud prevention;
Legal compliance;
Dispute resolution.
43. FINANCIAL RECORDS
Zehbia may maintain records of:
Orders;
Invoices;
Payments;
Refunds;
Discounts;
Cashback;
Credits;
Chargebacks;
Adjustments.
Such records may be retained for the period required by applicable law or legitimate business/accounting requirements.
44. PAYMENT RECONCILIATION
The Finance/Admin system should periodically reconcile:
Zehbia Orders
↕
Payment Records
↕
Payment Gateway
↕
Bank Settlement
Discrepancies should be identified and investigated.
45. RECONCILIATION STATUS
Recommended internal statuses:
UNRECONCILED
MATCHED
PARTIALLY_MATCHED
DISCREPANCY
UNDER_REVIEW
RESOLVED
46. ADMIN PAYMENT PERMISSIONS
Not every administrator should automatically have the ability to modify payment information.
Recommended roles:
All financial overrides should be logged.
47. MANUAL PAYMENT ENTRY
Zehbia may allow authorised administrators to manually enter payments, particularly for:
Cash payments;
Offline transactions;
Historical orders;
Corrective entries.
Manual entries must require:
Order ID;
Amount;
Payment method;
Date;
Reference;
Reason;
Entered by;
Approval where required.
48. MANUAL REFUND ENTRY
Manual refund records should require appropriate authority.
Recommended fields:
Refund ID
Order ID
Payment ID
Refund Amount
Reason
Refund Method
Reference
Requested By
Approved By
Processed By
Date
Remarks
49. AUDIT TRAIL
Zehbia should maintain an audit trail for financial changes, including:
Price changes;
Discounts;
Payment creation;
Payment status changes;
Refunds;
Manual adjustments;
Cashback adjustments;
Wallet/credit adjustments;
Payment-method changes.
Records should identify:
Who → What → When → Previous Value → New Value → Reason
50. CUSTOMER RESPONSIBILITY
Customers are responsible for:
Entering accurate payment information;
Using authorised payment methods;
Completing bank/payment authentication;
Checking the final amount before payment;
Keeping transaction references;
Reporting suspicious transactions promptly.
51. NO REQUEST FOR CONFIDENTIAL PAYMENT CREDENTIALS
Zehbia personnel should never request:
UPI PINATM PINCard PINCVVOnline Banking Password
for ordinary order-support purposes.
Customers should immediately report any person claiming to be a Zehbia representative who requests such information.
52. PAYMENT COMMUNICATIONS
Zehbia may send payment-related notifications such as:
Payment initiated;
Payment successful;
Payment failed;
Payment pending;
Refund initiated;
Refund completed;
Outstanding payment reminder;
Invoice available.
These are considered service/transaction communications rather than ordinary promotional communications.
53. CUSTOMER SUPPORT
For payment-related assistance:
Zehbia Customer SupportPhone: +91-889-974-9158Email: zehbia@zehbia.com
For formal grievances:
grievance@zehbia.com
54. PAYMENT FRAUD REPORTING
If a customer believes their Zehbia account or payment has been compromised, they should contact Zehbia immediately.
The customer should provide, where available:
Order ID;
Transaction ID;
Date/time;
Amount;
Payment method;
Description of suspected fraud.
Customers should also contact their bank/payment provider immediately where financial fraud is suspected.
55. LIMITATION REGARDING THIRD-PARTY PAYMENT SYSTEMS
Zehbia uses external payment infrastructure where applicable.
Once a payment is processed through a third-party financial institution, certain aspects of the transaction may be subject to that provider's:
Terms;
Security controls;
Processing timelines;
Refund procedures.
Zehbia will assist customers with transaction-related issues within its reasonable control.
56. PAYMENT POLICY AND CONSUMER RIGHTS
Nothing in this Payment Policy is intended to:
Remove statutory consumer rights;
Exclude mandatory legal remedies;
Override applicable Indian law;
Prevent lawful complaints or disputes.
Where mandatory law provides greater protection to a customer, the applicable law will prevail.
57. POLICY CHANGES
Zehbia may update this Payment Policy when there are changes to:
Payment methods;
Payment providers;
Pricing processes;
Refund mechanisms;
Applicable law;
Financial controls;
Business operations.
The latest version will be published through the applicable Zehbia platform.
58. VERSION HISTORY
59. CONTACT INFORMATION
KHADIM SOLUTIONS
Brand: Zehbia’s Wardrobe – A Tailoring Platform
Registered Address:1324 Khadim Villa, Mehjoor Nagar, Natipora,Srinagar, Kashmir, J&K – 190015, India
Email: zehbia@zehbia.com
Customer Support: +91-889-974-9158
Grievance: grievance@zehbia.com
Data Protection: info@zehbia.com
Websites:www.zehbia.com | www.zehbia.in