Payment Policy

This Payment Policy ("Policy") outlines how payments are processed on the Kainchi platform, including our website, mobile applications, and all related services (collectively, the "Platform"). This Policy applies to all payment transactions, including customer bookings and business partner subscriptions.

By using our Platform and making payments, you agree to comply with this Payment Policy. This Policy supplements our Terms of Service and Privacy Policy.

We use Bank Alfalah Payment Gateway, a secure and PCI-DSS compliant payment processing system, to handle all payment transactions on our Platform. All payments are processed in accordance with Pakistani banking regulations and international payment security standards.

Kainchi accepts the following payment methods through the Bank Alfalah Payment Gateway:

Credit and Debit Cards

• •Visa credit and debit cards
• •Mastercard credit and debit cards
• •UnionPay cards
• •All cards issued by Pakistani banks
• •International cards (subject to bank approval)

Bank Transfers

• •Direct bank transfers (IBFT)
• •Online banking transfers
• •Mobile banking transfers
• •ATM transfers

Digital Wallets

• •Bank Alfalah digital wallet
• •Other supported digital payment methods
• •Mobile wallet integrations

Payment Gateway Information

All payments are processed securely through Bank Alfalah Payment Gateway. For merchant inquiries or support, visit Bank Alfalah Merchant Portal or contact Bank Alfalah at 111-225-111.

Payment Processing Flow

When you book a service through our Platform:

• •You select your preferred service and appointment time
• •You are redirected to the secure Bank Alfalah Payment Gateway
• •You enter your payment details on the secure payment page
• •Your payment is processed and verified in real-time
• •You receive immediate confirmation upon successful payment
• •Your booking is confirmed and you receive a booking receipt

Payment Security and Encryption

We prioritize the security of your payment information. All payment transactions are protected by:

• •SSL (Secure Socket Layer) encryption for all data transmission
• •PCI-DSS Level 1 compliance (highest security standard)
• •Tokenization of sensitive payment data
• •Secure payment gateway hosted by Bank Alfalah
• •No storage of full credit card numbers on our servers
• •Regular security audits and compliance checks

Payment Confirmation Process

• •Immediate email confirmation sent to your registered email
• •WhatsApp notification (if enabled) with booking details
• •In-app booking confirmation with receipt
• •Transaction ID provided for your records
• •Payment appears in your bank statement within 1-3 business days

Payment Authorization

By completing a payment, you authorize us to:

• •Charge your selected payment method for the service amount
• •Process the payment through Bank Alfalah Payment Gateway
• •Hold funds until service completion or cancellation
• •Process refunds in accordance with our Refund Policy
• •Share necessary transaction information with the service provider

Failed Payments

If your payment fails, common reasons include:

• •Insufficient funds in your account
• •Incorrect card details or expired card
• •Bank security restrictions or fraud protection
• •Network connectivity issues
• •Daily transaction limits exceeded

If your payment fails, your booking will not be confirmed. Please verify your payment details and try again, or contact your bank for assistance.

Subscription Tiers and Pricing

Business partners can choose from various subscription plans. Each plan includes different features and pricing tiers. Current subscription plans and pricing are available on our business partner portal.

• •Subscription fees are charged monthly or annually
• •Pricing may vary based on selected features and services
• •All prices are displayed in Pakistani Rupees (PKR)
• •Prices are subject to change with 30 days' notice
• •Taxes and applicable fees are included in the displayed price

Recurring Payment Handling

For subscription plans, payments are processed automatically:

• •Recurring payments are charged on your subscription renewal date
• •You will receive email notifications 7 days before renewal
• •Payment is automatically processed through your saved payment method
• •Failed recurring payments will result in subscription suspension
• •You can update your payment method at any time in your account settings

Subscription Renewal Terms

• •Subscriptions automatically renew unless cancelled
• •Renewal occurs on the same date each month or year
• •You will be charged the current subscription rate
• •Price changes will be communicated 30 days in advance
• •Cancellation must be completed before the renewal date to avoid charges

Payment Failure Handling

If a subscription payment fails:

• •We will attempt to process the payment again within 3 days
• •You will receive email notifications about the failed payment
• •Your subscription will be suspended until payment is successful
• •You will lose access to premium features during suspension
• •After 7 days of failed payment, your subscription may be cancelled
• •You can reactivate by updating your payment method and making payment

Subscription Cancellation

You may cancel your subscription at any time. Cancellation terms are outlined in our Refund & Exchange Policy.

• •Cancellation takes effect at the end of your current billing period
• •You will retain access to premium features until the period ends
• •No refunds for the current billing period unless specified
• •Pro-rated refunds may apply in special circumstances
• •Contact support for assistance with cancellation

Dispute Filing Process

If you have a dispute regarding a payment, you can file a dispute by:

• •Contacting our support team at support@kainchi.pk
• •Including your transaction ID and booking reference
• •Providing detailed explanation of the dispute
• •Submitting relevant documentation or evidence
• •Specifying the resolution you are seeking

Investigation Procedures

Upon receiving a dispute, we will:

• •Acknowledge receipt within 24 hours
• •Review transaction records and booking details
• •Contact relevant parties (customer, service provider)
• •Investigate the matter thoroughly
• •Provide updates on investigation progress
• •Resolve the dispute within 7-14 business days

Resolution Timelines

• •Simple disputes: Resolved within 3-5 business days
• •Complex disputes: Resolved within 7-14 business days
• •Disputes requiring bank investigation: 14-30 business days
• •You will be notified of resolution via email
• •Refunds, if approved, are processed within 5-7 business days

Chargeback Policies

If you initiate a chargeback through your bank or card issuer:

• •We will be notified by Bank Alfalah Payment Gateway
• •We will provide transaction documentation to your bank
• •The chargeback process may take 30-90 days
• •Your account may be temporarily restricted during investigation
• •We reserve the right to close accounts with excessive chargebacks
• •We encourage contacting us first to resolve issues before chargeback

Receipt Generation

For every successful payment, you will receive:

• •Email receipt with transaction details
• •Digital receipt in your account dashboard
• •WhatsApp confirmation (if enabled)
• •Printable receipt available in your booking history
• •Transaction ID for your records

Receipt Information

Each receipt includes:

• •Transaction ID and reference number
• •Date and time of payment
• •Service details and booking information
• •Amount paid and payment method
• •Service provider information
• •Tax breakdown (if applicable)

Transaction History

• •Access your complete transaction history in your account
• •Filter transactions by date, amount, or service type
• •Download transaction statements
• •Export transaction data for accounting purposes
• •Transaction records are maintained for 7 years as per legal requirements

Record Retention

We maintain transaction records in accordance with Pakistani financial regulations:

• •Active account transactions: Available indefinitely
• •Closed account records: Retained for 7 years
• •Disputed transactions: Retained until resolution + 7 years
• •Tax records: Maintained as required by law
• •You can request copies of your transaction records at any time

Security Measures

We implement comprehensive security measures to protect your payment information:

• •PCI-DSS Level 1 compliance (highest industry standard)
• •End-to-end encryption for all payment data
• •Secure tokenization of sensitive information
• •Regular security audits and penetration testing
• •Multi-factor authentication for account access
• •Fraud detection and monitoring systems
• •Secure data centers with physical security
• •Regular security training for our team

Data Protection

Your payment data is protected in accordance with:

• •Pakistani data protection regulations
• •International payment security standards
• •Bank Alfalah's security policies
• •Our Privacy Policy
• •PCI-DSS requirements

What We Store

For payment processing, we securely store:

• •Payment method type (card, bank transfer, etc.)
• •Last 4 digits of card numbers (for identification only)
• •Transaction history and records
• •Billing address information
• •Payment preferences and saved methods (encrypted)

What We Don't Store

• •Full credit card numbers
• •CVV/CVC codes
• •PIN numbers
• •Complete bank account numbers
• •Payment gateway authentication tokens (handled by Bank Alfalah)

Your Responsibilities

To help protect your payment information:

• •Keep your account credentials secure
• •Use strong, unique passwords
• •Never share your payment details with others
• •Monitor your transaction history regularly
• •Report suspicious activity immediately
• •Keep your device and apps updated
• •Use secure networks when making payments

For questions about payments, disputes, or payment-related concerns, please contact us: