This Payment Policy governs all payments made to Ragi Media Pvt Ltd (trading as Ragi.design) for design services, consulting engagements and any related deliverables. By making a payment to us, you accept the terms set out below alongside our Terms & Conditions and Privacy Policy.
Online payments are processed by Razorpay Software Pvt Ltd, a licensed payment aggregator regulated by the Reserve Bank of India (RBI). Ragi.design does not store or process your card, banking or wallet credentials on its own servers. All sensitive payment data is transmitted directly to Razorpay under an encrypted TLS 1.2+ session and handled in a PCI DSS Level 1 certified environment.
Ragi.design never asks for your CVV, OTP or full card number over email, phone, WhatsApp or chat.
We accept the following methods through the Razorpay checkout:
- Domestic and international credit and debit cards (Visa, Mastercard, American Express, RuPay, Diners Club, Discover)
- UPI (Unified Payments Interface) — Google Pay, PhonePe, Paytm, BHIM and other VPA-enabled apps
- Net Banking from all major Indian banks
- Popular Indian wallets (Paytm, PhonePe, Amazon Pay, Freecharge, Mobikwik and others)
- EMI on eligible credit cards and select banks
- International payments in supported currencies via Razorpay's international gateway
- Bank wire / SWIFT for enterprise engagements, on request
Prices are displayed in Indian Rupees (INR) by default. For international clients, invoices may be issued in United States Dollars (USD), Euros (EUR), British Pounds (GBP), UAE Dirhams (AED), Singapore Dollars (SGD) or another currency mutually agreed at the time of scoping.
Foreign-exchange conversion, if applicable, is performed by Razorpay at the prevailing rate on the date of settlement. Ragi.design does not add a mark-up on conversion.
Payments made by clients in India are subject to Goods and Services Tax (GST) at the applicable rate (currently 18% for most design services). GST is added at invoice and remitted to the Government of India under GSTIN [Add GSTIN].
Cross-border payments received in convertible foreign exchange for services delivered outside India are treated as export of services under GST rules and are zero-rated where the conditions of Section 2(6) of the IGST Act are satisfied. Local sales taxes, withholding taxes, VAT or duties in the client's own jurisdiction (e.g. UK VAT, EU VAT, US sales tax) remain the client's responsibility unless explicitly included in the invoice.
Most engagements are billed in milestones — commonly 40% at kick-off, 30% at first review and 30% at final delivery. The exact schedule is set out in the written proposal for your engagement.
Invoices are payable within seven (7) business days of issue unless otherwise agreed. Delayed payments beyond thirty (30) days may attract a late-payment interest of 1.5% per month, calculated on the outstanding amount.
All online card payments are protected by 3D Secure 2.0 (3DS2) authentication where issued. Razorpay applies risk-based scoring, velocity checks and blocklists on every transaction. Suspected fraudulent transactions may be held, reversed or refunded at our discretion, in coordination with Razorpay's risk team.
Our website is served exclusively over HTTPS. Payment card data is never stored on Ragi.design infrastructure and never appears in our logs, backups or CRM.
A GST-compliant invoice (or a foreign-remittance receipt for cross-border payments) is issued by email within one business day of a successful payment. If you do not receive a receipt, please email accounts@ragimedia.com or hello@ragi.design and we will re-issue the same working day.
If a payment is deducted from your account but not reflected as successful on our end, please share the transaction reference within seven days. Failed transactions are typically auto-reversed by the issuing bank in five to ten business days. Duplicate transactions are refunded to the original source within the timelines set out in our Refund Policy.
We strongly encourage you to contact us before initiating a chargeback with your card issuer. Most disputes are resolved by direct communication within a few working days. If a chargeback is raised, we will cooperate with the issuer's investigation and provide project scope, communication history and delivery evidence to Razorpay's dispute team.
Ragi Media Pvt Ltd — Accounts & Payments
Email: accounts@ragimedia.com · hello@ragi.design
Phone / WhatsApp: +91 96193 17339
Address: [Add registered office address], Bengaluru, India