Payment Policy

Payment Policy

Welcome to Hojo! We strive to make your shopping experience smooth and secure. Please review our payment policy to understand how payments are processed on our website.

1. Accepted Payment Methods

We accept the following payment methods:

• Credit/Debit Cards: Visa, MasterCard, American Express, and Discover.
• UPI (Unified Payments Interface): Pay with your preferred UPI ID.
• Net Banking: Direct bank transfers from all major banks in India.
• Digital Wallets: Google Pay, Paytm, PhonePe, and other leading digital wallets.
• Cash on Delivery (COD): Available on select products and locations. Additional charges may apply.

2. Payment Security

Your security is our priority. All transactions on Hojo.in are protected by SSL encryption to ensure your data is safe. We do not store your payment information on our servers.

3. Payment Authorization

Upon placing an order, the payment method will be authorized, and you will be charged for the order. In case of any issues with authorization, we will contact you to verify the payment details.

4. Payment Confirmation

After successful payment, you will receive a confirmation email with your order details. Please keep this email for your records. If you do not receive this email, please check your spam folder or contact our customer support.

5. Cash on Delivery (COD)

• Availability: COD is available for select products and locations. If eligible, you will see the option during checkout.
• Charges: A nominal fee may be applied for COD orders. The amount will be displayed at checkout.
• Verification: We may contact you to confirm your COD order before dispatch.

6. Refunds and Cancellations

• Refunds: If you cancel your order before it is shipped, a full refund will be processed. For orders canceled after dispatch, please refer to our return policy.
• Processing Time: Refunds are processed within 7-10 business days, depending on your payment method.
• Failed Transactions: If your payment fails but your account is debited, the amount will be automatically refunded to your original payment method within 7 business days.

7. Currency

All transactions are processed in Indian Rupees (INR).

8. Taxes

All prices listed on Hojo.in include applicable taxes as per Indian law.

9. Disputes

Any disputes related to payments should be reported to our customer support within 48 hours of the transaction.

10. Contact Us

If you have any questions or concerns regarding payments, please reach out to us at: