Payments & Buyer Protection at Checkout

How payment works at checkout

eBuy uses Razorpay to process all payments. At checkout you can pay via UPI (GPay, PhonePe, Paytm, BHIM), debit or credit card, or net banking. No payment details are stored on eBuy — everything is handled securely by Razorpay.

Why eBuy is safer than an off-platform deal

When you buy on eBuy, your payment is held by the platform and is not transferred to the seller until you confirm receipt of the item. The seller cannot access your payment simply by shipping something — you control the release by marking the order Received after inspection.

Private deals via Instagram, WhatsApp, or Telegram have no such protection
Off-platform payments cannot be reversed through eBuy's support system
Sellers on eBuy have passed identity verification before they can list or receive payouts

Warning: eBuy buyer protection applies only to orders placed and paid through eBuy.store. Payments made outside the platform — via UPI to personal numbers, bank transfer, or cash — cannot be reviewed or recovered through eBuy support.

What happens if your payment fails

If Razorpay returns a payment failure, your order will not be confirmed. No money leaves your account for a failed transaction. You can retry checkout immediately.

Check that your UPI app, card, or net banking session is active and the transaction limit has not been reached
Try a different payment method if one continues to fail
Some bank-side failures (especially during high-load periods) resolve within a few minutes

Money deducted but order not confirmed

In rare cases a Razorpay transaction may show as debited on your bank statement but the eBuy order remains unpaid or incomplete. This usually resolves within a few minutes as Razorpay completes the payment capture. If it does not resolve:

Step 1: Wait 15 minutes and refresh your order list. Most pending payments settle automatically.

Step 2: If the order still shows unpaid after 15 minutes, check your bank statement to confirm the debit actually posted (not just reserved).

Step 3: Raise a support ticket with your bank transaction reference number. The support team can reconcile the payment against the Razorpay record.

Step 4: Do not attempt to pay again until the original payment status is confirmed — duplicate payments are possible if you retry a pending transaction.

For any payment issue, always raise a support ticket from your order page with your bank reference number. Support can check the Razorpay payment record against your order.

When does the seller get paid?

The seller's payout is processed only after you mark the order Received and the configured payout wait window closes. Until then, your funds remain held. This is by design — it is your protection as a buyer.

Razorpay's payment processing is governed by its own terms and timelines. eBuy initiates refunds through Razorpay; actual refund credit times depend on Razorpay and your bank.