Payment & Seller Settlement Terms
Policy details regarding customer payments, gateways, settlements, COD, refunds, and deductions.
Effective Date: 24 August 2026
9.1 Customer payment
Customers may pay using payment methods enabled by BuyDesi, including online payment methods and Cash on Delivery where available.
9.2 Payment gateway
Third-party payment providers may process payments. BuyDesi may receive transaction status and reference information required for order processing and reconciliation.
9.3 Seller settlement
After an eligible order reaches the applicable settlement stage, BuyDesi may calculate the seller's payable amount after deducting applicable commission, platform fees, shipping-related amounts allocated to the seller, payment-processing charges, refunds, chargebacks, statutory deductions and other agreed amounts.
9.4 Example settlement structure
| Settlement component | Example |
|---|---|
| Product sale value | ₹1,000 |
| Less: BuyDesi commission | As per Seller Agreement |
| Less: platform/transaction charges | As applicable |
| Less/add: shipping amount allocation | As applicable |
| Less: refunds/chargebacks | If applicable |
| Less: statutory deductions | If applicable |
| Net seller settlement | Calculated by BuyDesi |
9.5 Settlement cycle
Final settlement frequency (for example T+X days after delivery or after the return window) must be selected by BuyDesi and stated in the Seller Agreement. The cycle may vary by seller category, risk status, payment method or dispute status.
9.6 COD
COD collections are subject to the delivery partner's collection, reconciliation and remittance process. COD orders may have additional handling/collection charges as disclosed in the seller commercial terms.
9.7 Refunds and chargebacks
Where a customer refund or payment chargeback is approved, the amount may be adjusted against seller settlements where the seller is responsible or where the Seller Agreement permits the adjustment.
9.8 Tax/statutory deductions
Applicable GST, TDS, TCS or other statutory treatment must be determined from BuyDesi's actual legal structure, seller classification, transaction flow and current tax advice. The final figures and treatment should not be hard-coded into this policy without professional tax review.
9.9 Settlement disputes
Sellers should raise settlement discrepancies with transaction references within the period stated in the Seller Agreement. BuyDesi may investigate payment gateway, order, refund, courier and settlement records.