At Lumaraboutique, we are committed to making your shopping
experience smooth, secure, and convenient. This Payment Methods page explains the payment options available on
Lumaraboutique.shop, the security measures we use to protect your financial data, our billing
process, and how we handle refunds and failed transactions. This page forms part of our Terms of
Service and complies with the Reserve Bank of India (RBI) guidelines, the Payment and Settlement
Systems Act, 2007, and the Consumer Protection (E-Commerce) Rules, 2020.

1. Payment Highlights

  • Currency: Indian Rupees (INR / ₹) only.
  • Accepted Methods: Visa, MasterCard, and PayPal only.
  • Security: All transactions are processed through PCI-DSS-compliant, SSL/TLS-encrypted
    payment gateways.
  • Tax: All applicable GST is calculated and clearly displayed at checkout.
  • Shipping: FREE on every order, with no hidden fees.
  • Refunds: Processed within 7–10 working days to the original payment method, per RBI
    guidelines.
  • Support: Payment queries handled via email only at support@lumaraboutique.shop.

2. Currency

All prices displayed on Lumaraboutique.shop are in Indian
Rupees (INR / ₹). We do not support multi-currency checkout. If you are paying with an
international card or a non-INR PayPal account, your bank or PayPal will apply its own currency conversion rate
and may charge a foreign-transaction fee — these charges are determined by your card issuer or PayPal and are
beyond our control.

3. Accepted Payment Methods

We accept the following three payment methods on Lumaraboutique.shop.
We do not accept any other payment option, including UPI, net banking, mobile wallets, Cash on Delivery (COD),
EMI, BNPL, cryptocurrency, cheques, or bank transfers.

3.1 Visa

We accept all Visa credit and debit cards, including Visa Classic, Visa Gold,
Visa Platinum, Visa Signature, Visa Infinite, and Visa Business cards, issued anywhere in the world. All Visa
transactions are protected with 3D Secure / Verified by Visa authentication and OTP
verification as mandated by RBI for two-factor authentication.

3.2 MasterCard

We accept all MasterCard credit and debit cards, including MasterCard Standard,
Gold, Platinum, Titanium, World, and World Elite, issued anywhere in the world. All MasterCard transactions are
protected with MasterCard SecureCode / Identity Check and OTP verification as mandated by RBI.

3.3 PayPal

We accept payments through PayPal, one of the world’s most
trusted online payment platforms. PayPal allows you to pay securely without sharing your card details directly
with us. Key points:

  • You may pay using your PayPal balance or any card/bank account linked to your PayPal account.
  • PayPal handles its own currency conversion for non-INR accounts at the prevailing PayPal exchange rate.
  • PayPal Buyer Protection may apply to eligible transactions, subject to PayPal’s own terms and conditions.
  • Refunds for PayPal orders are processed back to your PayPal account; the credit timeline depends on PayPal’s
    policies (typically 3–7 working days).

4. Payment Security

Your financial security is our highest priority. All payments on
Lumaraboutique.shop are processed through secure, RBI-authorised, third-party payment gateways with
the following safeguards:

  • PCI-DSS Compliance: Our payment partners are certified under the Payment Card Industry Data
    Security Standard (PCI-DSS) Level 1 — the highest security standard for card data.
  • SSL/TLS Encryption: Every page on which payment data is entered is secured with 256-bit SSL
    encryption, indicated by the padlock icon in your browser address bar.
  • Tokenization: Sensitive card data is tokenized in line with the RBI’s Card-on-File
    Tokenization (CoFT) mandate.
  • 3D Secure / OTP Verification: All Visa and MasterCard transactions require additional
    authentication through OTP, biometric, or 3D Secure protocols as mandated by RBI.
  • PayPal Security: PayPal transactions are protected by PayPal’s own multi-layer fraud
    prevention and buyer-protection systems.
  • No Card Storage: Lumaraboutique.shop does NOT store your
    complete card number, CVV, expiry date, or PIN on our servers. We will never ask you to share these details
    over email, phone, or social media.

5. Payment Gateway Partners

We work with reputed RBI-authorised payment service providers to process Visa
and MasterCard transactions securely. PayPal transactions are processed directly through PayPal’s secure
platform. The actual gateway routing your transaction may be displayed at the time of payment.

6. GST and Taxes

  • All applicable Goods and Services Tax (GST) is charged in accordance with the prevailing
    rates set by the Government of India.
  • GST is calculated and clearly displayed in the order summary before payment is made.
  • A valid GST tax invoice will be issued and emailed to you along with your shipment.
  • For GST-registered customers, you may provide your GSTIN at checkout to receive a B2B tax invoice (where
    supported).
  • No hidden taxes or surcharges will be added after checkout.

7. Billing & Invoicing

  • Payment is captured at the time of order placement.
  • Bank/credit card statements will reflect the descriptor “Lumaraboutique.shop” or the
    registered name of our payment gateway / PayPal partner.
  • A tax invoice is automatically generated upon order confirmation and sent to your registered email address.
  • Your billing address must match the address registered with your card issuer or PayPal account for security
    purposes; mismatches may cause the transaction to be flagged or declined.

8. Failed, Declined, or Pending Transactions

Sometimes payments fail or remain pending due to network issues, bank-side
declines, insufficient funds, OTP timeout, or temporary gateway downtime. In such cases:

  • Order Not Confirmed: If the payment fails, your order will not be created. You may retry
    payment using the same or a different supported method (Visa, MasterCard, or PayPal).
  • Amount Deducted but Order Not Confirmed: If money is debited but you do not see an order
    confirmation, do not worry. As per RBI guidelines, the bank/gateway will auto-reverse the amount
    within 7–10 working days     to the original payment method. PayPal-side reversals are typically
    faster (1–3 working days).
  • Stuck Payment: If you do not see the refund within the timeframe above, please email us at
    support@lumaraboutique.shop with the subject “Payment Issue — [Transaction
    Reference]” along with: full name, registered email, the cart amount, transaction date/time, and
    transaction/UTR/PayPal reference. We will coordinate with our gateway partner to trace and resolve the
    issue.
  • Response Time: Payment-related emails are addressed within 24 working
    hours    , Monday to Friday (excluding public holidays).

9. Fraud Prevention and Order Verification

Lumaraboutique.shop reserves the right to:

  • Hold, review, or cancel any transaction or order that appears suspicious, unauthorised, or inconsistent with
    normal customer behaviour;
  • Request additional identity or address verification (e.g., a confirmation email reply, a phone callback, or
    a photo ID) before dispatching high-value orders;
  • Decline orders placed from blacklisted IPs, flagged accounts, or via known fraudulent payment patterns;
  • Report suspected fraud to the appropriate banking authority, payment gateway partner, PayPal, or law
    enforcement.

If your order is held for verification, we will contact you by email within 24
working hours. Orders not verified within 3 working days may be cancelled, and any amount paid will be refunded
in full.

10. Refund Payment Methods

When a refund is approved, it is processed to the original payment
method used at the time of purchase, in line with RBI guidelines. Specifically:

  • Visa Card: Refunded to the same Visa card. Typically reflects within 7–10 working
    days    , depending on your card issuer.
  • MasterCard: Refunded to the same MasterCard. Typically reflects within 7–10 working
    days    , depending on your card issuer.
  • PayPal: Refunded back to your PayPal account or the original funding source linked to
    PayPal. Typically reflects within 3–7 working days, depending on PayPal’s policies.
  • Store Credit Option: You may optionally choose to receive your refund as store
    credit     valid for 12 months — instant credit, usable on any future purchase.

11. What We Do NOT Store

For your security, Lumaraboutique.shop does not store any of the
following on our servers:

  • Full credit/debit card numbers
  • Card Verification Value (CVV/CVC)
  • Card expiry dates
  • 3D Secure passwords or ATM PINs
  • PayPal login credentials or PayPal passwords

All sensitive payment data is processed and stored exclusively by
RBI-authorised, PCI-DSS-compliant payment gateway partners and by PayPal directly. Our team will NEVER
ask you to share any of these details over email, phone, WhatsApp, social media, or any other
channel. If anyone claiming to be from Lumaraboutique.shop requests such
information, please do not share it and report the incident immediately to support@lumaraboutique.shop.

12. International Cards & PayPal Accounts

We accept international Visa and MasterCard payments, as well as PayPal payments
from international PayPal accounts, subject to:

  • The card or PayPal account being enabled for online international transactions;
  • Successful 3D Secure / OTP / PayPal authentication;
  • The shipping address being within India — we currently do not ship internationally, even if
    payment is made from outside India.

Currency conversion to INR is performed by your card issuer or by PayPal based
on their prevailing exchange rate. Any foreign-transaction fees or PayPal conversion fees are charged by your
bank or PayPal and are not controlled by us.

13. Chargebacks and Payment Disputes

If you wish to raise a dispute regarding a charge, please first email us at support@lumaraboutique.shop with subject “Payment Dispute — [Order Number]”.
We strive to resolve disputes amicably within 15 days. Filing a chargeback through your card
issuer, bank, or PayPal Resolution Center without contacting us first may lead to delays in resolution and
possible suspension of your account pending investigation. Fraudulent or unjustified chargebacks may be
contested with the help of our payment gateway partners and reported to relevant authorities.

14. Pricing Accuracy

In the unlikely event of a pricing error on our Website (such as an incorrectly
displayed price for a product), Lumaraboutique.shop reserves the right to cancel orders placed
at the erroneous price and issue a full refund to the original payment method (Visa, MasterCard, or PayPal). We
will notify affected customers by email within 2 working days of identifying the error.

15. Important Notes

  • Always check that the URL begins with https:// and shows a padlock icon before entering any
    payment information.
  • Use trusted devices and secure internet connections when making online payments.
  • Do not share your OTP, card details, or PayPal password with anyone, including persons claiming to be from
    our customer support.
  • We only support Visa, MasterCard, and PayPal. We do not accept UPI, net banking, wallets,
    Cash on Delivery (COD), EMI, BNPL, cryptocurrency, cheques, or any other payment method.
  • This Payment Methods page may be updated from time to time without prior notice. The version applicable to
    your order is the one published at the time of payment.
  • This policy is governed by the laws of the Republic of India and the competent courts in
    India shall have exclusive jurisdiction over any dispute.

16. Contact Us for Payment Queries

For any payment-related questions, failed transactions, refund status, or fraud
reports, please email us using the details below. Email is our only supported channel for payment
support.

  • Seller Name: Lumaraboutique.shop
  • Website: Lumaraboutique.shop
  • Payment Email (only channel): support@lumaraboutique.shop
  • Address: 1, Samarth Nagar, Chunabhatti, Sion, Mumbai, Maharashtra 400022, India
  • Email Response Time: Within 24 working hours, Monday to Friday (excluding public holidays)

By placing an order on Lumaraboutique.shop, you acknowledge that
you have read, understood, and agreed to this Payment Methods page in its entirety.

Last Updated: May 2026