Payment & Security Policy

Introduction

At Travel.Bank-Pay.in, operated by Swacpay Solutions Private Limited, we are committed to ensuring that your online payment experience is safe, secure, and reliable. All transactions on our website and mobile portal are processed using trusted payment gateways compliant with the Payment Card Industry Data Security Standard (PCI-DSS) and RBI guidelines.

Secure Payment Processing

All online transactions are encrypted using SSL (Secure Socket Layer) technology to protect user data during transmission.

Supported Secure Payment Modes

Credit Cards (Visa, MasterCard, RuPay)
Debit Cards
Net Banking
UPI / Wallets
Payment Gateway Partners (PayU, Razorpay, Cashfree, etc.)

PCI-DSS & Data Protection Compliance

Our payment partners are PCI-DSS certified, ensuring all sensitive payment information is processed and stored securely. Swacpay Solutions Pvt. Ltd. complies with the Information Technology Act, 2000, the Digital Personal Data Protection Act, 2023, and applicable RBI circulars governing electronic payments.

Payment Confirmation

Successful payments receive an instant confirmation email/SMS with booking ID and ticket details.
Pending transactions are confirmed once verified by the payment gateway or bank.
If payment fails but the amount is debited, refunds are automatically processed within 5–7 business days as per the Refund Policy.

Fraud Prevention & Transaction Monitoring

All payment activities are continuously monitored through automated fraud detection systems.
Suspicious or high-risk transactions may be manually verified or refunded for security reasons.
Users must ensure their account credentials, OTPs, and passwords remain confidential.

Payment Disputes & Chargebacks

Users should immediately report unauthorized transactions to support@bank-pay.in with full details.
Dispute resolution timelines depend on the card issuer or payment partner involved.
Valid disputes are refunded to the original payment method per banking timelines.

Currency & Taxes

All transactions are processed in Indian Rupees (INR).
GST and applicable service charges are included in the final payable amount at checkout.
Users are encouraged to verify total payable amounts before confirming the booking.

Liability Disclaimer

Swacpay Solutions Pvt. Ltd. shall not be responsible for payment failures arising from network issues, banking downtime, or user error. The company will not be liable for unauthorized use of payment credentials caused by user negligence.

Updates to This Policy

Swacpay Solutions Pvt. Ltd. reserves the right to modify or update this Payment & Security Policy without prior notice. Revised versions will be published on the website and become effective immediately.