International Payment Policy

1. Scope

This Policy applies to international B2B payments connected with quotations, Proforma Invoices, wholesale orders, bulk purchases, samples, private-label projects and other commercial transactions handled through Auvoria Exports.

2. Prepaid Model

International B2B orders are prepaid unless the applicable written transaction document expressly provides a different payment arrangement.

Payment must generally be received and verified before production, procurement, packing or dispatch proceeds, as applicable to the order.

Cash on Delivery (COD) is not available for international B2B orders.

3. Payment Methods

Depending on the transaction, Auvoria or the applicable contracting entity may provide one or more approved payment methods, which may include bank transfer, an approved online payment facility or another commercially agreed method.

The payment instructions applicable to a particular transaction will be communicated in the quotation, Proforma Invoice or official payment communication.

Buyers should use only payment instructions communicated through an official Auvoria channel and should verify any unexpected change in bank or payment details before transferring funds.

4. Quotation & Proforma Invoice

The quotation or Proforma Invoice may specify product quantities, pricing, currency, payment amount, payment deadline, shipping or freight terms, applicable charges and other commercial conditions.

The Buyer should review the document carefully and notify Auvoria promptly if any information is incorrect before making payment.

5. Payment Verification

Payment is treated as received only after the relevant funds have been successfully credited and reasonably verified by the applicable contracting entity or its authorized payment provider.

A payment receipt, transfer screenshot or bank advice does not by itself guarantee that the payment has cleared.

6. Order Processing After Payment

Once the required payment is received and verified, the order may proceed to sourcing, production, customization, quality checking, packing and/or dispatch according to the agreed order process.

Payment receipt does not override product availability, compliance requirements, customs restrictions or other conditions expressly stated in the transaction documents.

7. Currency

International transactions may be quoted in INR, USD or another agreed currency. The applicable transaction currency will be identified in the relevant quotation or Proforma Invoice.

Currency conversion rates applied by banks, payment providers or intermediary institutions may differ from rates displayed elsewhere.

8. Bank & Payment Charges

Bank transfer fees, intermediary-bank charges, payment-provider fees, currency-conversion charges and other payment-related costs may apply.

Unless expressly agreed otherwise, charges imposed by the Buyer's bank, intermediary bank or payment provider may be borne by the Buyer.

If the amount received is lower than the amount due because of such charges, the outstanding balance may need to be paid before the order proceeds.

9. Taxes & Government Charges

Taxes and government charges will be handled according to the applicable transaction, destination and law.

Destination-country import duties, import taxes, customs clearance charges, brokerage charges and other destination-side government or logistics charges are generally the Buyer's responsibility unless expressly agreed otherwise.

10. Invoicing

Commercial invoices and other transaction documents will identify the applicable contracting/invoicing entity, Buyer, products, quantities, prices, currency and other relevant information as required for the transaction.

The entity named on the applicable transaction document is the relevant entity for that document.

11. Failed / Pending Payments

If a payment fails, remains pending or cannot be verified, the order may be placed on hold until the payment is successfully received and verified.

Payment-provider, bank, intermediary or compliance delays may affect order processing timelines.

12. Underpayment

If the amount received is less than the amount due, Auvoria may request the balance before processing or dispatch.

Underpayment may result from bank fees, currency conversion, intermediary charges, incorrect transfer amounts or other payment-related deductions.

13. Overpayment

If an overpayment is identified, Auvoria may verify the transaction and communicate an appropriate adjustment, credit or refund process.

Any refund or adjustment may be subject to payment-provider limitations, bank requirements, transaction verification and applicable law.

14. Third-Party Payments

Payments from a person or entity other than the Buyer may require additional verification and written confirmation.

Auvoria may decline or hold a third-party payment where the source of funds, authorization, compliance information or transaction relationship cannot be reasonably verified.

15. Custom & Private-Label Orders

Customized and private-label orders may require full or specified advance payment before sourcing, artwork approval, production, customization or procurement begins, as stated in the applicable commercial document.

Because customized products may be produced specifically for the Buyer, cancellation and refund conditions may differ from standard wholesale orders.

16. Cancellation

Cancellation requests must be submitted in writing as soon as possible.

Once sourcing, procurement, customization, production, packaging or other committed work has started, cancellation may be restricted and any refund may be subject to the applicable transaction terms.

17. Refunds

A refund is not automatic merely because a Buyer requests cancellation or because an international shipment is delayed.

Where a refund is approved under the applicable transaction terms, the amount and method will be communicated to the Buyer.

Refunds may be processed through the original payment source or another permitted business payment method, subject to payment-provider and banking requirements.

18. Refund Processing

Approved refunds will be initiated within a commercially reasonable period after the applicable verification and approval process is completed.

The time taken for funds to reach the Buyer may depend on the payment provider, banks, intermediary institutions, currency conversion and destination country.

19. Payment Verification & Fraud

Auvoria may conduct reasonable payment and transaction verification before accepting or processing an order.

Where there are concerns regarding fraud, unauthorized payment, identity, source of funds, sanctions, restricted trade or other compliance matters, Auvoria may hold, reject or cancel the transaction to the extent permitted by law.

20. Payment Security

Buyers should not share payment passwords, authentication codes, card security credentials or other sensitive financial credentials with Auvoria personnel through ordinary email or messaging channels.

Auvoria will not be responsible for payments made to unauthorized third parties where the Buyer failed to verify payment instructions or used an unverified account or communication channel.

21. Records & Communication

Payment confirmations, invoices, quotations, Proforma Invoices and related commercial communications may be retained for accounting, order administration, dispute management, security and legal or regulatory requirements.

Buyers should retain their payment records and transaction documents for their own accounting, tax, customs and compliance purposes.

22. International Compliance

International payments may be subject to applicable banking, foreign-exchange, anti-fraud, sanctions, tax, export and other regulatory requirements.

The applicable contracting/export entity may request additional information or documentation where reasonably necessary for payment processing or compliance.

23. Parallel Business Entities

Auvoria Exports operates through two parallel business entities:

Neither entity is represented as the parent, subsidiary, branch or legal representative of the other. Depending on the transaction, either entity may participate in sourcing, supply, contracting, invoicing or export-related activities.

The applicable entity will be identified in the relevant quotation, Proforma Invoice, Commercial Invoice and other transaction documents.

24. Contact