Payment Policy
Last Updated: October 1, 2025
At FirstAds Digital, we strive to make the payment process as simple, secure, and transparent as possible. This Payment Policy outlines the terms and conditions related to payments for our digital marketing, SEO, web development, and market research services. By engaging our services and making payments through our website, you agree to comply with this Payment Policy.
We are committed to protecting your financial information and ensuring secure transactions through our trusted payment gateway partner, Razorpay.
Payment Methods Accepted
FirstAds Digital accepts multiple payment methods to provide you with flexibility and convenience when paying for our services. All payments are processed securely through Razorpay, India's leading payment gateway that supports a wide range of payment options. You can make payments using major credit cards including Visa, MasterCard, American Express, and Diners Club, debit cards from all major banks in India, net banking from over 50 banks across India, popular UPI (Unified Payments Interface) services such as Google Pay, PhonePe, Paytm, and BHIM, digital wallets including Paytm Wallet, Mobikwik, Freecharge, and Airtel Money, and EMI (Equated Monthly Installments) options available on select credit cards for purchases above a certain amount. The availability of specific payment methods may vary based on your location, bank, and the amount of the transaction. Razorpay ensures that all payment methods meet the highest security standards and comply with RBI (Reserve Bank of India) guidelines.
Payment Security and Processing
The security of your financial information is our top priority, and we have partnered with Razorpay to ensure that all transactions are processed with the highest level of security. Razorpay is PCI-DSS (Payment Card Industry Data Security Standard) Level 1 compliant, which is the highest level of certification available in the payments industry, ensuring that your card details and payment information are handled with maximum security. All payment data is transmitted using industry-standard 256-bit SSL (Secure Socket Layer) encryption, which protects your information from unauthorized access during transmission. When you make a payment, your financial details are transmitted directly to Razorpay's secure servers and are never stored on our servers, ensuring that we do not have access to your complete card information, CVV numbers, or banking credentials. Razorpay employs advanced fraud detection mechanisms, 3D Secure authentication for card transactions, and continuous monitoring to identify and prevent fraudulent activities. All transactions are tokenized, meaning your actual card details are replaced with unique tokens, adding an additional layer of security to protect your sensitive payment information from potential breaches.
Payment Terms and Schedules
Payment terms for FirstAds Digital services will be clearly outlined in your service proposal, agreement, or invoice. Unless otherwise agreed upon in writing, payment is typically required in advance before we commence work on your project or deliver services. For larger projects or ongoing service engagements, we may offer milestone-based payment schedules where payments are divided into installments based on project phases or deliverables. The specific payment schedule, including the number of installments, payment amounts, and due dates, will be detailed in your service agreement. All invoices must be paid within the timeframe specified, typically within 7 days of invoice date unless alternative terms have been agreed upon. We accept both one-time payments for specific projects and recurring payments for ongoing services such as monthly SEO retainers, digital marketing campaigns, or website maintenance packages. For recurring services, you authorize us to charge your selected payment method automatically on the agreed-upon billing cycle, and you will receive an invoice via email for your records. You are responsible for ensuring that your payment method has sufficient funds or credit available on the payment due date to avoid any service interruptions or late payment penalties.
Pricing and Currency
All prices for our services are quoted in Indian Rupees (INR) unless explicitly stated otherwise in your service agreement or proposal. The prices displayed on our website or quoted in proposals are subject to change without prior notice, however, any changes to pricing will not affect orders or service agreements that have already been confirmed and for which payment has been received. The final amount payable will be the amount stated in your invoice or service agreement at the time of purchase. All prices are exclusive of applicable taxes unless otherwise stated. Goods and Services Tax (GST) at the applicable rate will be added to your invoice as per Indian tax regulations, and you are responsible for paying all applicable taxes, duties, and government charges. For international clients outside India, prices may be quoted in US Dollars (USD) or other agreed currencies, and you may be subject to additional taxes or fees as per your country's regulations. Currency conversion rates, if applicable, will be determined by your bank or payment provider at the time of transaction, and any currency conversion fees charged by your bank or card issuer are your responsibility.
Payment Confirmation and Receipts
Once your payment is successfully processed through Razorpay, you will receive an immediate payment confirmation on the screen displaying your transaction details and a unique transaction reference number. A payment receipt will be automatically sent to your registered email address within a few minutes of successful payment completion. This receipt will include important details such as transaction ID, payment amount, date and time of transaction, payment method used, and invoice number for your reference and accounting purposes. If you do not receive a payment confirmation email within 30 minutes of making the payment, please check your spam or junk folder first, as sometimes automated emails may be filtered there. If you still cannot find the receipt, please contact us immediately at info@firstadsdigital.com with your transaction reference number or payment details, and we will resend your receipt or verify the payment status with Razorpay. You can also log in to your account on our website to view your payment history and download receipts for all your past transactions. We recommend keeping copies of all payment receipts and invoices for your records and tax purposes.
Failed or Declined Transactions
In some cases, your payment transaction may fail or be declined by your bank or card issuer for various reasons beyond our control. Common reasons for payment failures include insufficient funds in your account or credit limit exceeded on your card, incorrect card details entered such as card number, expiry date, or CVV code, your card has expired or has been blocked by your bank for security reasons, transaction limits set by your bank or card issuer have been exceeded, technical issues with the payment gateway or your bank's servers, or your bank has declined the transaction due to suspected fraud or security concerns. If your payment fails, no amount will be deducted from your account, and you can retry the payment after resolving the issue. We recommend verifying your card details, ensuring sufficient balance, contacting your bank to authorize online transactions if blocked, or trying an alternative payment method. If you continue to experience issues with payment processing, please contact us at info@firstadsdigital.com or call us at +91 9871485544, and our team will assist you in completing the payment through alternative means or resolving any technical issues.
Duplicate or Multiple Charges
In rare instances, due to technical glitches or communication errors between payment systems, you may experience duplicate charges where the same amount is debited multiple times from your account for a single transaction. If this occurs, please do not panic as these duplicate transactions are usually automatically reversed by the payment gateway within 5-7 business days. However, if you notice multiple charges on your account statement for the same transaction, please contact us immediately at info@firstadsdigital.com with the following details: your transaction reference numbers for all the duplicate charges, screenshot of your bank statement showing the multiple debits, date and time of the transactions, and amount charged. We will immediately investigate the issue with Razorpay and initiate a refund for any genuine duplicate charges. Once we verify the duplicate transaction with our payment records and Razorpay's transaction logs, the refund will be processed to your original payment method within 7-10 business days, though the actual time for the refund to reflect in your account may vary depending on your bank's processing time.
Refunds and Cancellations
Refund eligibility and terms depend on the nature of services purchased and the stage of project completion at the time of cancellation request. Due to the nature of digital marketing and web development services, which involve significant planning, strategy development, and resource allocation from the moment a project begins, refunds are generally not available once work has commenced. However, we understand that circumstances can change, and we evaluate each refund request on a case-by-case basis with fairness and consideration. If you wish to cancel your service and request a refund, you must submit a written cancellation request via email to info@firstadsdigital.com, clearly stating your reasons for cancellation and providing your invoice number and transaction details. For services cancelled before any work has been initiated or delivered, you may be eligible for a full refund minus a small administrative processing fee, typically ranging from 5-10% of the transaction amount. For ongoing projects where work has already commenced, refunds will be calculated based on the percentage of work completed, resources allocated, and deliverables provided, and may be subject to a cancellation fee as specified in your service agreement. For monthly subscription or retainer services, cancellations must be made at least 7 days before the next billing cycle to avoid being charged for the subsequent month, and no refunds will be provided for the current billing period that has already been paid for. All approved refunds will be processed within 7-10 business days from the date of approval, and the amount will be credited back to your original payment method used for the transaction. Please note that the time taken for the refund to reflect in your account depends on your bank or card issuer and may take an additional 5-7 business days. For detailed information about our refund policies, please refer to our separate Refund and Cancellation Policy or the terms specified in your service agreement.
Late Payment and Overdue Accounts
Timely payment is essential for us to deliver services without interruption and maintain our commitment to quality and deadlines. If payment is not received by the due date specified in your invoice or service agreement, your account will be considered overdue, and we reserve the right to take certain actions to recover the outstanding amount. For overdue accounts, we will first send you a friendly payment reminder via email and SMS to the contact details provided, giving you an additional grace period of 3-5 business days to clear the outstanding amount. If payment is still not received after the grace period, we may suspend all ongoing services and withhold delivery of any pending work or deliverables until the outstanding payment is settled in full. Late payment charges or interest may be applied to overdue invoices at a rate of 2% per month or the maximum rate permitted by law, whichever is lower, calculated from the original due date until the date payment is received. For significantly overdue accounts exceeding 30 days, we reserve the right to engage collection agencies or pursue legal action to recover the outstanding amount, and you will be responsible for all costs associated with collection efforts, including legal fees, court costs, and collection agency fees. Continued non-payment may result in termination of services and cancellation of your account, and we may report the delinquent account to credit bureaus, which could negatively impact your credit score. To avoid these consequences and maintain a positive business relationship, we strongly encourage you to communicate with us proactively if you are experiencing difficulties making payment, as we may be able to work out alternative payment arrangements or payment plans on a case-by-case basis.
Disputed Charges and Chargebacks
If you believe there is an error in your billing or you have been charged incorrectly for any reason, we strongly encourage you to contact us directly first before initiating a chargeback or dispute with your bank or card issuer. We are committed to resolving billing issues fairly and promptly, and most disputes can be resolved quickly through direct communication. To dispute a charge, please email us at info@firstadsdigital.com with your transaction details, invoice number, a clear explanation of why you believe the charge is incorrect, and any supporting documentation. We will investigate your concern thoroughly by reviewing our transaction records, service agreements, and communication history, and respond to you within 3-5 business days with our findings and proposed resolution. If we determine that the charge was indeed incorrect, we will immediately process a refund for the disputed amount. However, if you bypass our customer service and directly initiate a chargeback with your bank without first attempting to resolve the issue with us, please be aware that chargebacks result in additional fees charged to us by the payment processor, typically ranging from INR 500 to INR 1500 per chargeback, regardless of the outcome. Furthermore, when a chargeback is initiated, we are required to suspend all services immediately until the dispute is resolved, as per standard payment processor policies. If the chargeback is found to be unjustified and ruled in our favor, you will be responsible for reimbursing us for the chargeback fee and any associated costs, and we reserve the right to pursue legal action to recover these amounts. Frequent or unjustified chargebacks may result in permanent suspension of your account and blacklisting from future services, as they indicate a pattern of payment abuse. We maintain detailed records of all transactions, communications, service agreements, and deliverables, which we will provide to your bank or card issuer as evidence during the chargeback investigation process.
Recurring Payments and Auto-Renewal
For subscription-based services or ongoing retainer agreements such as monthly SEO services, continuous digital marketing campaigns, or website maintenance packages, you may opt for automatic recurring payments for your convenience. When you sign up for a recurring payment plan, you authorize FirstAds Digital and Razorpay to automatically charge your selected payment method on a recurring basis according to the billing cycle specified in your service agreement, which may be weekly, monthly, quarterly, or annually. Your payment method will be charged automatically on the renewal date each billing cycle for the agreed-upon amount, and you will receive an invoice via email for your records after each successful payment. It is your responsibility to ensure that your payment method has sufficient funds or credit available on each renewal date, and you must notify us immediately if your payment information changes, such as when your card expires or is replaced. If a recurring payment fails due to insufficient funds, expired card, or any other reason, we will attempt to process the payment again after a few days, and we will notify you via email about the failed payment. If the payment continues to fail after multiple attempts, your service may be suspended until the outstanding amount is paid. You have the right to cancel recurring payments at any time by providing written notice to us via email at least 7 days before your next scheduled billing date. Cancellation requests received less than 7 days before the renewal date may not be processed in time to prevent the next charge, and no refund will be provided for that billing period. Upon cancellation of recurring payments, you will continue to have access to the services until the end of your current paid billing period, after which the services will be discontinued unless you choose to make manual payments for renewal. Some services may be set to auto-renew by default for your convenience, and by subscribing to such services, you acknowledge and agree to the auto-renewal terms unless you explicitly opt out or cancel before the renewal date.
Payment Processing Time
Most payments processed through Razorpay are completed instantly or within a few minutes, allowing you to receive immediate confirmation and begin accessing our services without delay. However, the actual processing time may vary depending on the payment method you choose and your bank's processing systems. Credit card and debit card payments are typically processed instantly, with funds being authorized and captured within seconds. UPI payments through Google Pay, PhonePe, or other UPI apps are usually instant, providing real-time payment confirmation. Net banking transactions may take anywhere from a few minutes to several hours depending on your bank's systems and server load, particularly during peak banking hours. Digital wallet payments such as Paytm Wallet or Mobikwik are generally instant once the transaction is confirmed in your wallet app. EMI (Equated Monthly Installment) payments may require additional verification and approval from your bank, which can take 1-2 business days before the transaction is fully processed and confirmed. In rare cases, due to bank server maintenance, technical issues, or high transaction volumes during sale periods or festivals, payment processing may be delayed by a few hours. If your payment is being processed for an unusually long time and you have not received confirmation within 24 hours, please contact us at info@firstadsdigital.com with your transaction reference number, and we will check the status with Razorpay and your bank to expedite the process.
International Payments
For clients located outside India who wish to engage our services, we accept international payments through Razorpay's international payment processing system, which supports major credit cards and payment methods from around the world. International transactions may be processed in US Dollars (USD) or Indian Rupees (INR) depending on the service agreement and your preference. When making an international payment, your bank or card issuer will convert the transaction amount to your local currency using their prevailing exchange rate at the time of transaction, and this conversion rate may differ from the rate you see on currency exchange websites. Please note that international transactions may be subject to additional fees including foreign transaction fees charged by your bank or card issuer, typically ranging from 2% to 4% of the transaction amount, currency conversion fees or markups applied by your bank, and international payment processing fees charged by Razorpay for cross-border transactions. These additional fees are beyond our control and are charged directly by your financial institution or payment processor. The total amount debited from your account may therefore be higher than the invoice amount due to these additional charges. We recommend checking with your bank about their international transaction fees before making a payment. Some countries may have restrictions on international online transactions or may require additional verification for security purposes, which could cause delays in payment processing. If you experience any difficulties making an international payment, please contact us, and we can explore alternative payment methods such as bank wire transfers or PayPal, though these methods may have their own fees and processing times. For large projects or ongoing contracts with international clients, we can discuss setting up dedicated payment arrangements that minimize transaction fees and simplify the payment process.
Payment Disputes with Razorpay
While we strive to ensure all transactions are processed smoothly, if you have any issues or disputes specifically related to the payment processing by Razorpay, such as technical errors during payment, discrepancies in the amount charged versus the amount shown, or concerns about payment security, you may need to contact Razorpay directly in addition to contacting us. Razorpay's customer support can be reached through their official website at https://razorpay.com/support/ or via their customer service helpline. However, for issues related to our services, invoicing, or billing amounts, you should contact FirstAds Digital directly at info@firstadsdigital.com or +91 9871485544, and we will work with you and Razorpay to resolve the matter. We maintain close communication with Razorpay and can escalate payment issues on your behalf to ensure faster resolution. Any disputes or concerns regarding payment security, data privacy, or Razorpay's handling of your financial information should be referred to Razorpay's Privacy Policy and Terms of Service, which govern their collection and use of payment data. While we have chosen Razorpay as our payment partner due to their excellent security standards and reliability, we are not responsible for any technical issues, service outages, or security breaches that may occur on Razorpay's platform. However, we will do everything in our power to assist you in resolving any payment-related issues and ensure you receive the services you have paid for.
Changes to Payment Policy
FirstAds Digital reserves the right to modify, update, or change this Payment Policy at any time to reflect changes in our payment processes, legal requirements, payment gateway policies, or business practices. Any changes to this Payment Policy will be effective immediately upon posting the updated policy on our website, and the "Last Updated" date at the top of this page will be revised to reflect the date of the most recent changes. For significant changes that materially affect your payment rights or obligations, we will make reasonable efforts to notify you via email or through a prominent notice on our website at least 15 days before the changes take effect. Your continued use of our services and processing of payments after any modifications to this Payment Policy constitutes your acceptance of and agreement to the updated terms. If you do not agree with any changes made to this Payment Policy, you must discontinue using our services and cancel any recurring payment arrangements before the changes take effect. We encourage you to review this Payment Policy periodically to stay informed about our payment terms, conditions, and any updates that may affect your transactions with us.
