Payment & Settlement Policy

Operated by Mantra Tech Fusion (Proprietor: Vikrant Saini), GSTIN: 06BLSPS8961E1ZD. This policy details payment processing, accepted modes, failed transaction protocols, central subdomain billing, and security rules.

6.1 Accepted Payment Modes

Depending on the Listing and the commercial arrangement chosen between buyer and seller, payments on or through Bikwao may be conducted via:

Credit/Debit Cards, Corporate Net-Banking, UPI (Google Pay, PhonePe, Paytm), and RBI-compliant digital wallets integrated on the platform for membership and VAS services.

Direct commercial settlement between buyer and seller company bank accounts for bulk industrial lots.

Direct peer-to-peer or peer-to-merchant UPI payments executed directly between buyer and seller.

Direct physical cash handover upon on-site factory inspection, arranged entirely at the transacting parties’ own discretion and risk.

6.2 Role of Mantra Tech Fusion in Payments

Where a payment is made through Bikwao’s integrated online gateway, the transaction is processed by our RBI-authorised third-party payment aggregator partner (Razorpay / Cashfree / PayU). Funds collected through the gateway are received and, where applicable, routed to Mantra Tech Fusion’s designated nodal/bank account before onward settlement to the seller, in accordance with the payment aggregator’s nodal settlement mechanism and applicable Reserve Bank of India (RBI) guidelines.

• Centralized Billing Architecture: All subscriptions, listing slot fees, and premium advertising charges across bikwao.com, property.bikwao.com, and vehicle.bikwao.com are centrally billed and invoiced under Mantra Tech Fusion with 18% GST tax invoices issued upon payment confirmation, and corresponding GST credit notes generated for eligible refunds.
• Zero Card Credential Storage: Bikwao / Mantra Tech Fusion does not store, process, or have direct access to your full card numbers, CVVs, net-banking passwords, or UPI PINs. These are handled exclusively by our payment aggregator in a PCI-DSS certified environment.
• Offline / Direct Payment Disclaimer: Where cash, direct UPI, or direct bank transfer is used between a buyer and seller without passing through the Platform’s gateway, Mantra Tech Fusion is NOT a party to that payment, does not hold or control those funds, and bears no responsibility for the completion, accuracy, or reversal of such payment.
• Transparent Fee Disclosure: Any platform subscription fee, featured listing charge, or value-added service charge payable to Mantra Tech Fusion will be clearly disclosed to the User before it is charged.

6.3 Failed & Duplicate Transactions

If a payment made through the Platform’s payment gateway fails but an amount is debited from your bank account, or if a duplicate payment is made due to a network glitch:

7-Day Reporting Requirement

Please report the incident to info.bikwao@gmail.com within 7 calendar days along with your transaction reference number and bank statement screenshot. Verified failed or duplicate gateway transactions will be refunded to the original payment source within 7–10 business days as specified in our Refund Policy.

6.4 Fraud Prevention & Chargebacks

Users must not use stolen cards, unauthorised bank accounts, or any fraudulent payment method on the Platform. Bikwao reserves the right to suspend accounts, withhold settlements, and cooperate fully with law-enforcement and banking authorities in connection with any suspected payment fraud or chargeback abuse.

Payment Support Desk

Legal Entity: Mantra Tech Fusion (Proprietor: Vikrant Saini)

GSTIN: 06BLSPS8961E1ZD

Registered Address: No 26, Indira Colony, Model Town, Panipat, Haryana 132103, India

Official Helpdesk & Billing Email: info.bikwao@gmail.com

Helpline Phone: +91 90172 50070