PAYMENT POLICY

ESHAL FABRICS INTERNATIONAL

Secure Checkout | Transparent Transactions | Customer Confidence

Effective Date: 10 October 2026

1. Introduction

Eshal Fabrics International is committed to providing customers with a transparent and reliable payment experience when purchasing products through our official website, https://eshalfabrics.com/.

This Payment Policy explains available payment options, transaction processing, payment verification, failed payments, refunds and customer responsibilities.

By placing an order, customers agree to follow the payment conditions displayed at checkout and the applicable website policies.

2. Accepted Payment Methods

Depending on availability and checkout configuration, customers may be offered one or more of the following payment methods:

Visa debit and credit cards.
Mastercard debit and credit cards.
Supported online payment gateway options.
Cash on Delivery, where available.
Other payment methods expressly displayed during checkout.

The payment methods currently displayed at checkout determine which options are available for a particular order. Not every method is necessarily available for every customer, product or location.

3. Online Payment Gateway

Online payments may be facilitated through an authorized third-party payment gateway, including PayFast where enabled.

Customers selecting an online payment method may be redirected to a secure payment interface or presented with a payment form operated by the relevant provider.

Payment authorization, authentication and settlement may be subject to the gateway's operating procedures, banking requirements and applicable financial regulations.

4. Visa and Mastercard Payments

Where card payments are enabled, customers may use eligible Visa or Mastercard debit or credit cards to complete purchases.

Card transactions may require additional verification, including one-time passwords or other authentication methods supported by the issuing bank.

Card acceptance is subject to authorization by the issuing bank and successful confirmation from the payment processing provider.

5. Cash on Delivery

Cash on Delivery may be offered for eligible products and delivery locations where this option is displayed at checkout.

Customers selecting Cash on Delivery must provide accurate contact and delivery details and arrange payment of the applicable order amount according to the courier's authorized collection procedure.

Cash on Delivery availability may depend on courier coverage, order value, product eligibility and operational requirements.

6. Currency and Pricing

Unless otherwise stated during checkout, product prices and order totals are displayed in Pakistani Rupees (PKR).

The payable amount should be presented to the customer before the order is confirmed.

Where an international card or foreign-currency account is used, the issuing bank may apply its own currency conversion rates or charges.

7. Payment Confirmation

Verified Payment Status

An online order is treated as paid only after the relevant payment has been successfully verified through the authorized payment processing system.

A customer-provided screenshot, payment initiation message or pending transaction does not independently establish successful payment.

Order confirmation and dispatch remain subject to the applicable verification and fulfilment procedures.

8. Payment Authorization

Online payment transactions may require authorization from the customer's bank, card issuer or payment service provider.

A payment request may be declined due to insufficient funds, incorrect information, authentication failure, account restrictions or other reasons determined by the financial institution.

Eshal Fabrics International does not control independent bank authorization decisions.

9. Failed Transactions

If a transaction fails, customers should verify the payment status before attempting another payment.

A failed transaction may result in no debit, a temporary authorization hold or a pending bank entry depending on the payment method.

Where funds appear to have been deducted without a confirmed order, customers should contact support with their order details and payment reference.

10. Pending Transactions

Some payment transactions may remain pending while the relevant bank or payment provider completes verification.

Customers should avoid repeatedly paying for the same order until the original transaction status has been clarified.

Orders awaiting verified payment may remain on hold until confirmation is received.

11. Duplicate Payments

If a customer is charged more than once for the same order, the customer should notify our support team with the relevant transaction references.

We will review available payment records and coordinate with the payment provider where necessary.

Verified duplicate amounts collected by Eshal Fabrics International will be addressed through an appropriate refund or reversal process.

12. Payment Security

Customer Payment Protection

We aim to use appropriate technical and organizational measures to protect customer information during order processing.

Sensitive card information may be handled directly by the authorized payment service provider according to its security requirements.

Customers should only enter payment credentials into the authorized checkout or payment interface.

No online system can guarantee absolute security. Customers should protect their account credentials and report suspicious activity promptly.

13. Cardholder Authentication

Payment service providers or issuing banks may request additional authentication to verify the cardholder.

Customers should follow the official verification process provided by their bank or payment provider.

Our support staff will not ask customers to disclose their card PIN, online banking password or one-time verification code.

14. Payment Processing Partners

Payment transactions may involve third-party financial institutions, acquiring banks, payment gateways or payment service providers.

Such providers may apply their own authorization rules, fraud prevention checks, transaction limits and processing procedures.

Customers should review relevant provider terms where applicable.

15. Transaction Limits

Some payment methods may have minimum or maximum transaction limits determined by the relevant bank, payment provider or checkout configuration.

Where a transaction exceeds an applicable limit, the customer may need to select another supported payment method.

16. Order Cancellation and Payment Reversal

Orders cancelled in accordance with our Cancellation Policy may qualify for a payment reversal or refund where payment has already been successfully collected.

The refund method and timeline depend on the transaction status, original payment channel and applicable financial institution procedures.

17. Refunds

Eligible refunds are processed according to our published Refund Policy and applicable consumer protection requirements.

Where supported, refunds will ordinarily be returned through the original payment method.

Approved refunds will normally be initiated within 7 business days after approval, with an estimated overall processing period of 7-14 business days depending on the payment provider.

18. Chargebacks and Disputes

Customers who believe a transaction was unauthorized or incorrectly processed may contact their bank, payment provider or our customer support team.

Disputed card transactions may be handled under the applicable card network and financial institution dispute procedures.

We may provide relevant order and transaction information to authorized financial institutions for legitimate dispute investigations.

19. Fraud Prevention

We may review or temporarily hold an order where there are reasonable concerns regarding unauthorized payment activity, suspected fraud or inconsistent transaction information.

Verification measures will be applied in a proportionate manner and in accordance with applicable law.

Where an order cannot be fulfilled after payment, an appropriate refund or reversal will be arranged.

20. Customer Responsibilities

Customers are responsible for providing accurate billing information and using payment methods they are legally authorized to use.

Customers should maintain the confidentiality of their payment credentials and promptly report suspected unauthorized transactions to the relevant bank or payment provider.

21. Payment Records and Receipts

Order confirmations, invoices and transaction references may be made available through the website, registered email address or other supported communication channels.

Customers are encouraged to retain relevant order and payment records for future reference.

22. Customer Support

For payment-related concerns, customers may contact our official customer support team through the contact information published on our website.

Customers should provide their order number, transaction date, payment method and available payment reference.

Customers should never send full card details, CVV codes, passwords or one-time verification codes to support staff.

23. Related Policies

24. Applicable Law

This Payment Policy is intended to operate in accordance with applicable laws of Pakistan and relevant financial service provider requirements.

Nothing in this policy limits mandatory consumer rights or remedies.

25. Policy Updates

Eshal Fabrics International may update this Payment Policy to reflect changes in accepted payment methods, checkout procedures, service providers or applicable requirements.

The latest version will be published on our official website.

Need Payment Assistance?

For payment verification, failed transactions, duplicate payments or refund-related inquiries, contact our customer support team through our official website.

www.eshalfabrics.com

ESHAL FABRICS INTERNATIONAL

3rd Floor, 358-IB, Block-B, Pak Arab Housing Society, Main Ferozepur Road, Lahore, Punjab, Pakistan