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Payments & cards
Pay the way you prefer — every major card, UPI, net banking and wallets in India, and international cards in your own currency abroad.
Cards we accept
Credit, debit and prepaid cards issued in India or abroad. Availability of an individual card depends on its issuing bank.
All payment methods
| Method | Details | Where |
|---|---|---|
| Credit cards | All major domestic and international credit cards — Visa, Mastercard, RuPay, American Express, Diners Club, Discover, JCB and UnionPay. | India and worldwide |
| Debit cards | Visa, Mastercard, RuPay and Maestro debit cards issued in India, and Visa and Mastercard debit cards issued abroad. | India and worldwide |
| UPI | Any UPI app, including your bank’s own UPI app — by UPI ID, QR code or intent; UPI for eligible NRI accounts where the bank supports it. | India |
| Net banking | All major public-sector, private and co-operative banks in India. | India |
| Wallets | Leading Indian wallets supported by our payment partner. | India |
| International cards in your currency | Pay in AED, USD, GBP, CAD or AUD. The converted amount is shown before you pay; your bank may add its own foreign-transaction fee. | UAE, USA, UK, Canada, Australia |
| Phone wallets (saved cards) | Cards saved in your phone’s wallet, where the payment partner and your card issuer support it. | Worldwide |
| Punya Coins | Punya Coins earned on Aaradhya can be used toward a puja at ₹1 per coin, under the Punya Coins terms. | India and worldwide |
Secure by design
- Card payments processed only by an RBI-authorised payment aggregator, PCI DSS certified
- Aaradhya never stores your full card number or CVV; saved cards use RBI card-on-file tokenisation
- Indian cards are verified with an additional factor (OTP / 3-D Secure)
Clear pricing
- Prices in INR, inclusive of GST, shown before you pay
- For payments abroad, the converted amount in your currency is shown at checkout
- GST invoice emailed after every payment
- No hidden convenience fees
Refunds
- Refunds go back to the original payment method
- Cards and net banking: usually 5–7 working days; UPI: 1–3 working days
- Full details in the Refund & cancellation policy
Stay safe
Aaradhya will never ask for your card number, CVV, UPI PIN or OTP by phone, email, SMS or WhatsApp, and never asks you to “receive money” by entering a UPI PIN. Payment and refund emails come only from noreply@aaradhyaapp.com. If someone asks for these details in Aaradhya’s name, report it to report@aaradhyaapp.com and to the national cybercrime helpline 1930 or cybercrime.gov.in.
Payments are governed by the Payment and Settlement Systems Act, 2007, RBI directions on payment aggregators and cross-border payment aggregators, and FEMA, 1999. See Terms of use and Compliance & registrations.