Payment Policy

This Payment Policy governs all financial transactions processed on the Integrated Network For Community Empowerment (INFOCEM) membership portal. We are committed to providing a safe, transparent, and secure payment experience for all our applicants and members.

1. Accepted Modes of Payment

INFOCEM supports multiple digital payment methods to facilitate easy transaction processing. You can pay your registration or application fees using:

• UPI: Google Pay, PhonePe, Paytm, BHIM, and other UPI enabled banking apps.
• Net Banking: Major national and private banks across India.
• Credit & Debit Cards: Visa, MasterCard, RuPay, and Maestro.
• Digital Wallets: Integrated popular wallet services.

We do not accept physical cash, cheques, or demand drafts through the online portal.

2. Payment Gateway & Security

We prioritize your financial security above all else:

• All payments on our portal are processed through PCI-DSS compliant secure third-party payment gateways.
• Your communication with our portal and the payment gateway is encrypted using Secure Socket Layer (SSL) technology.
• INFOCEM does not capture, store, or have access to any sensitive payment credentials, such as credit card numbers, CVVs, netbanking passwords, or UPI PINs.

3. Currency of Transactions

All fee payments and transactions on the INFOCEM portal are strictly processed in Indian Rupees (INR). If you are paying from a foreign bank account or card, currency conversion rates and additional foreign transaction fees may be applied by your issuing bank.

4. Transaction Success & Confirmation

Upon a successful payment transaction:

• The system will redirect you back to your membership dashboard.
• The status of your application will instantly update to 'Paid' or 'Processing'.
• A digital payment invoice/receipt will be generated on your dashboard which you can download for your records.
• An email confirmation will be sent to your registered email address.

5. Failed and Pending Transactions

Sometimes, due to network issues, banking server downtimes, or gateway communication drops, transactions may fail or remain in a pending state. If your account is debited but the CRM shows "Pending Payment" or "Unpaid":

• Wait for reconciliation: Our payment gateway reconciles transactions automatically. Often, the status will auto-update within 2 hours.
• Contact support: If the status does not update within 24 hours, email us at mahesh@infocem.org with your transaction proof.
• Refund of failures: If a transaction fails but money is debited from your account, the bank will automatically refund the amount back to your account within 3 to 5 banking days.