PAYMENT POLICY

1.1 Introduction to Our Payment Policy

roshanex.pk (“roshanex.pk”, “We”, “Our”, or “Us”) provides a variety of payment solutions to ensure a smooth shopping experience for our clients. This payment policy details the accepted payment modes, our processing protocols, and essential financial information.

1.2 Accepted Payment Methods

We currently support the following payment options:

• Direct Bank Transfer
• Cash on Delivery (Available nationwide across Pakistan)
• Alfa Payment Gateway (Supporting Credit & Debit Cards including Visa, MasterCard, and American Express)
• In-Store Payment (Exclusively for our Karachi pickup location)
• Buy Now Pay Later (BNPL)

Note: We process all transactions exclusively in Pakistani Rupees (PKR).

1.2.1 Cash on Delivery (COD) Terms:

1. COD is applicable for products with a value up to Rs. 20,000/-.
2. If your order is under Rs. 20,000/-, a 10% advance payment of the total order value is mandatory.
3. If your order exceeds Rs. 20,000/-, our sales department will coordinate with you directly to manage the required advance payment and finalize your purchase.
4. In addition, standard shipping fees apply as per our separate Delivery Policy.
5. Please note that COD is not available for heavy or bulky equipment, such as solar panels, inverters, batteries, or similar industrial items.
6. Finally, we will add a 5% service fee to the total invoice for all transactions that use the COD method.

1.3 Secure Payment Processing

Security is our priority. We handle all digital payments through a secure, encrypted gateway. In addition, roshanex.pk does not store your credit card details or sensitive financial data on our internal servers. If a payment is declined, we will notify you to attempt the transaction using an alternative method. We reserve the right to cancel any transaction that appears unauthorized or fraudulent. In such cases, we will issue a full refund.

1.4 Banking and Service Fees

Any fees your financial institution imposes, including transaction costs or currency conversion rates, are the sole responsibility of the customer. roshanex.pk is not liable for these third-party charges.

• A non-refundable 2.3% service fee applies to all transactions made via Debit or Credit cards.
• A non-refundable 1.2% service fee applies to the total order value for the Buy Now Pay Later option to cover third-party processing costs.

1.5 Order Confirmation

After successful payment verification, you will receive an automated confirmation email containing your order specifics. If there are discrepancies with your payment or order details, our team will reach out to resolve them promptly. Once we confirm your order, we typically dispatch it within 2 to 4 business days.

1.6 Order Cancellation & Refunds

To cancel a purchase, please contact us immediately at info@roshanex.pk with your order number. If the item has not yet entered the shipping phase, we will process the cancellation and issue a refund. However, if we have already dispatched the product, you must follow the procedures outlined in our Return & Refund Policy to qualify for a refund.

1.7 Contact Our Support Team

If you have any inquiries regarding our payment protocols or practices, please get in touch with us at info@roshanex.pk.