Payment Policy

MAWELL ZAP

PAYMENT POLICY

Last Updated: 10 October 2026

This Payment Policy ("Policy") governs the payment methods, payment processing, transaction verification, failed payments, refunds and other payment-related matters for Orders placed through MAWELL ZAP.

This Policy applies to all Orders placed with Maruthi Venkatasai Foods Pvt Ltd, having its registered office at COMMERCIAL PORTIONS, H NO. 7-1/G6, 2/1A & 2/1B, SY NO 111/PART, Bahadurpally, Hyderabad, Telangana – 500043, India (hereinafter referred to as "MAWELL ZAP", "Company", "we", "us" or "our"), by Buyers ("User", "Buyer", "you" or "your") through www.mawellzap.com and the MAWELL ZAP mobile application (collectively referred to as the "Platform").

Any capitalized terms used herein and not explicitly defined shall have the same meaning as defined in the Terms and Conditions of MAWELL ZAP.

We may modify this Policy from time to time. Any changes shall be reflected on the Platform and become effective from the specified date, subject to Applicable Laws. Users are encouraged to review this Policy periodically.

I. ACCEPTED PAYMENT METHODS

(i) MAWELL ZAP provides the following payment methods for eligible Orders, subject to availability:

a. Unified Payments Interface (UPI).

b. Cash-on-Delivery (COD), where available.

c. Online Payment Gateway, through supported payment instruments and authorized payment service providers.

(ii) The availability of payment methods may vary depending on the Order value, delivery location, Product category, payment processing arrangements and operational requirements.

(iii) MAWELL ZAP reserves the right to enable, disable, restrict or modify payment methods for legitimate operational, security, compliance or business reasons.

(iv) Buyers shall select an available payment method at the time of placing an Order or in accordance with the payment instructions communicated by the Company.

(v) Buyers must ensure that all payments are made through authorized payment channels provided or approved by MAWELL ZAP.

II. ONLINE PAYMENTS

(i) Buyers may make online payments through UPI or supported payment gateway facilities made available on the Platform.

(ii) Online payments may be processed through authorized third-party payment service providers, banks or payment networks.

(iii) By selecting an online payment method, the Buyer agrees to comply with the applicable terms and conditions of the relevant payment service provider.

(iv) MAWELL ZAP shall use reasonable measures to facilitate secure payment processing through authorized payment systems.

(v) The Buyer is responsible for ensuring that the payment information provided is accurate and that the selected payment account or instrument is lawfully used.

(vi) A payment shall be treated as successfully received once the transaction is confirmed through the Company's authorized payment records or payment service provider.

(vii) Submission of a payment instruction does not by itself constitute confirmation of successful payment.

(viii) MAWELL ZAP may withhold Order processing or dispatch where payment confirmation is pending and advance payment is required for the relevant Order.

III. CASH-ON-DELIVERY (COD)

(i) Where Cash-on-Delivery is available, the Buyer may choose to pay the applicable Order amount at the time of delivery.

(ii) The payment shall be collected by an authorized MAWELL ZAP representative, delivery associate or approved Logistics Partner.

(iii) The Buyer shall ensure that the required payment amount is available at the time of delivery.

(iv) The Buyer should make payment only to authorized collection personnel or through payment instructions officially communicated by MAWELL ZAP.

(v) The Company may issue or make available an appropriate payment acknowledgment or receipt.

(vi) If the Buyer is unable or unwilling to make the required payment at delivery, the Company may decline to hand over the Products, reschedule delivery where feasible or classify the Shipment as undelivered in accordance with the Return and Refund Policy.

(vii) Cash-on-Delivery transactions shall be subject to applicable restrictions and reporting requirements under Indian law, including relevant provisions of the Income-tax Act, 1961.

(viii) MAWELL ZAP may restrict Cash-on-Delivery for particular Orders based on applicable legal limits, Order value, security concerns or operational considerations.

IV. PRODUCT PRICING AND TAXES

(i) Product prices displayed on the Platform are intended for eligible business Buyers.

(ii) Prices may vary based on Product type, quantity, applicable promotions and other disclosed commercial conditions.

(iii) Applicable Goods and Services Tax (GST) and other statutory charges shall be calculated and disclosed in accordance with Applicable Laws.

(iv) Any applicable delivery charges or other payable fees shall be communicated before the Buyer becomes bound by the relevant payment obligation.

(v) The total amount payable for an Order shall be determined by the accepted Order and applicable Invoice.

(vi) MAWELL ZAP may revise Product prices prospectively to reflect changes in procurement costs, market conditions, taxes or commercial policies.

(vii) In the event of a genuine pricing or calculation error, MAWELL ZAP may contact the Buyer to correct the discrepancy or seek agreement on revised terms before proceeding with the affected Order.

(viii) Buyers are responsible for providing accurate billing and GSTIN details where required.

V. PAYMENT CONFIRMATION

(i) Upon successful receipt of payment, MAWELL ZAP may provide a payment confirmation through the Platform, SMS, WhatsApp, email or another authorized communication channel.

(ii) Payment confirmation may include the Order ID, transaction reference, payment amount, payment status and other relevant transaction details.

(iii) Buyers are encouraged to retain payment confirmations, transaction references and Invoices for their records.

(iv) Where the payment status is pending, MAWELL ZAP may verify the transaction with the relevant bank or payment service provider before confirming receipt.

(v) The Company may request reasonable supporting information to investigate a disputed payment.

VI. FAILED, PENDING OR UNSUCCESSFUL PAYMENTS

(i) Online payment transactions may fail or remain pending due to reasons including:

a. Insufficient funds.

b. Incorrect payment credentials.

c. Bank or payment network interruptions.

d. Technical issues affecting the payment gateway.

e. Transaction timeouts.

f. Security or fraud-prevention restrictions.

g. Other circumstances beyond the reasonable control of MAWELL ZAP.

(ii) If a payment fails, the Buyer may attempt payment again using an available payment method after checking the transaction status.

(iii) If the Buyer's bank account is debited but the payment is not reflected as successful on the Platform, the Buyer should contact MAWELL ZAP Customer Support and provide the relevant transaction details.

(iv) MAWELL ZAP shall investigate such discrepancies using available transaction records and, where necessary, coordinate with the relevant payment service provider.

(v) Reversals of failed transactions shall be processed in accordance with applicable payment network rules, regulatory requirements and the procedures of the relevant payment service provider.

(vi) Buyers are advised to verify the status of a pending transaction before initiating another payment to avoid duplicate payments.

VII. DUPLICATE OR EXCESS PAYMENTS

(i) If a Buyer makes a duplicate payment or pays an amount exceeding the amount payable for an Order, the Buyer may report the discrepancy to Customer Support.

(ii) MAWELL ZAP may request the Order ID, transaction reference, payment confirmation and other relevant information to verify the claim.

(iii) Upon verification of a duplicate or excess payment, the Company shall arrange an appropriate refund or other agreed adjustment.

(iv) Where the payment is confirmed as refundable, MAWELL ZAP shall process the approved refund within 7 (seven) working days from the date of refund approval.

(v) The actual time taken for the amount to reflect in the Buyer's account may depend on the relevant bank or payment service provider.

VIII. ORDER CANCELLATION AND PAYMENT REFUNDS

(i) Order cancellation requests are subject to approval by MAWELL ZAP in accordance with the Terms and Conditions and applicable cancellation arrangements.

(ii) Where a prepaid Order is cancelled and a refund is due, MAWELL ZAP shall arrange the applicable refund.

(iii) Refunds relating to damaged Products, wrong Products, expired Products, rejected deliveries or Undelivered Shipments shall be governed by the MAWELL ZAP Return and Refund Policy.

(iv) All approved refunds covered by the Return and Refund Policy shall be processed within 7 (seven) working days from the date of refund approval.

(v) Refunds may be processed through the original payment method, bank transfer or an agreed credit-note adjustment, as applicable.

(vi) Any refund of shipping charges shall be determined in accordance with the Shipping Policy and Return and Refund Policy.

(vii) Nothing in this Policy shall restrict any refund or other remedy required under Applicable Laws.

IX. REFUND METHODS

For eligible and approved refunds, MAWELL ZAP may use the following methods:

(i) Original Payment Method: Refund to the payment channel originally used by the Buyer, where supported.

(ii) Bank Transfer: Refund to an appropriately verified bank account of the Buyer.

(iii) Credit Note: Issuance of a credit note or adjustment against an eligible outstanding amount or future purchase, where agreed and permitted under Applicable Laws.

(iv) Where the original payment method does not support refunds, MAWELL ZAP may request appropriate bank details to process the refund.

(v) Credit notes shall be issued and accounted for in accordance with applicable GST and accounting requirements.

(vi) Buyers should not share confidential banking credentials, passwords, UPI PINs or OTPs with MAWELL ZAP personnel or any third party.

X. TRADE CREDIT AND DEFERRED PAYMENTS

(i) MAWELL ZAP does not currently provide a general trade-credit, buy-now-pay-later or deferred-payment facility through the Platform.

(ii) Buyers shall make payments according to the payment method and terms agreed for the relevant Order.

(iii) MAWELL ZAP may introduce trade-credit facilities in the future, subject to business decisions, eligibility criteria, applicable regulatory requirements and separate terms.

(iv) Any future trade-credit facility may be governed by separate agreements specifying credit limits, repayment periods, charges, default consequences and other relevant conditions.

(v) No Buyer shall be automatically entitled to trade credit merely by registering or transacting through the Platform.

XI. PAYMENT SECURITY AND FRAUD PREVENTION

(i) MAWELL ZAP may implement reasonable technical and organizational measures to protect payment-related information and prevent unauthorized transactions.

(ii) Buyers are responsible for maintaining the confidentiality of their payment credentials, OTPs, UPI PINs, passwords and other authentication information.

(iii) MAWELL ZAP personnel shall not require Buyers to disclose their UPI PIN, banking password or payment authentication OTP.

(iv) Buyers should immediately report suspected fraudulent transactions, unauthorized payment requests or suspicious payment instructions to Customer Support and the relevant financial institution.

(v) MAWELL ZAP may temporarily restrict transactions or request additional verification where reasonably necessary to prevent suspected fraud or unauthorized activity.

(vi) The Company may cooperate with banks, payment service providers and lawful authorities in investigating suspected fraudulent transactions.

XII. PAYMENT DISPUTES AND CHARGEBACKS

(i) Buyers may report payment-related disputes, including unauthorized transactions, duplicate payments, incorrect charges or payment status discrepancies, through Customer Support.

(ii) MAWELL ZAP may request supporting information reasonably necessary to investigate the dispute.

(iii) Where a payment dispute involves a bank, card issuer or payment gateway, resolution may also be subject to the applicable dispute-resolution procedures of that provider.

(iv) Buyers shall not knowingly submit false or fraudulent chargeback claims.

(v) MAWELL ZAP shall cooperate with legitimate investigations and provide relevant transaction records where lawfully required.

(vi) Nothing in this Policy restricts the Buyer's rights to raise legitimate payment disputes or pursue remedies available under Applicable Laws.

XIII. BUYER RESPONSIBILITIES

The Buyer shall:

(i) Use lawful and authorized payment methods.

(ii) Ensure that sufficient funds are available when initiating payment.

(iii) Provide accurate billing and payment information.

(iv) Make payments according to the agreed Order terms.

(v) Retain relevant payment confirmations and transaction references.

(vi) Promptly report suspected duplicate, unauthorized or incorrect transactions.

(vii) Cooperate with reasonable verification requests relating to payment disputes or refunds.

(viii) Refrain from making fraudulent payments or submitting misleading payment-related claims.

XIV. LIMITATION OF LIABILITY

(i) MAWELL ZAP shall use reasonable efforts to facilitate accurate and secure payment processing through authorized channels.

(ii) The Company shall not be responsible for payment delays or failures caused solely by circumstances beyond its reasonable control, including external banking or payment network disruptions, except where liability arises under Applicable Laws or the Company's own contractual obligations.

(iii) MAWELL ZAP shall remain responsible for its own acts, omissions and obligations to the extent required by Applicable Laws.

(iv) Nothing in this Policy excludes or limits liability that cannot lawfully be excluded.

XV. GRIEVANCE MECHANISM

(i) Buyers may submit grievances relating to payment processing, refunds, unauthorized transactions, payment discrepancies or other payment-related matters.

(ii) MAWELL ZAP shall endeavour to address grievances within the timelines prescribed under Applicable Laws.

GRIEVANCE OFFICER

Grievance Officer
Maruthi Venkatasai Foods Pvt Ltd

COMMERCIAL PORTIONS, H NO. 7-1/G6, 2/1A & 2/1B, SY NO 111/PART, Bahadurpally, Hyderabad, Telangana – 500043, India.

Email: help@mawellsupermart.com

Phone: +91 9154386686

XVI. CUSTOMER SUPPORT

For assistance relating to payments, refunds, failed transactions, duplicate payments or payment disputes, Buyers may contact:

Company: Maruthi Venkatasai Foods Pvt Ltd

Customer Support Email: mvsretailpvtltd@gmail.com

Contact Number: +91 9154386686

Website: www.mawellzap.com

Support Channel: Buyers may contact the customer support team through the details above or through available support options on the Platform.

XVII. GENERAL PROVISIONS

(i) This Policy shall be read together with the MAWELL ZAP Terms and Conditions, Shipping Policy, Return and Refund Policy and Privacy Policy.

(ii) In the event of any inconsistency, mandatory provisions of Applicable Laws shall prevail.

(iii) MAWELL ZAP may amend this Policy from time to time, subject to applicable notification requirements.

(iv) Nothing in this Policy shall restrict or exclude any statutory right or remedy that cannot lawfully be waived.

(v) This Policy shall be governed by the laws of India. Subject to Applicable Laws and the jurisdiction of competent statutory forums, disputes shall be subject to the jurisdiction of competent courts in Hyderabad, Telangana.

(vi) For this Policy, a "Working Day" means Monday to Saturday, excluding public holidays observed by the Company and applicable banking holidays.

MARUTHI VENKATASAI FOODS PVT LTD

MAWELL ZAP — B2B Wholesale Grocery Platform

Website: www.mawellzap.com
Email: mvsretailpvtltd@gmail.com
Phone: +91 9154386686
GSTIN: 36AAQCM5019G1ZA

End of Payment Policy