Payment Policy

Last updated: July 11, 2026

This Payment Policy explains how payments, billing, invoices, taxes, payment failures, refunds, payouts, and payment-related responsibilities are handled across the ZairoHealth website, mobile applications, and related platforms.

By making or receiving any payment through ZairoHealth, you agree to this policy along with our Terms & Conditions, Refund & Cancellation Policy, Privacy Policy, AML & KYC Policy, and other applicable platform policies.

1. Scope

This policy applies to payments related to:

Doctor verification or profile review fees
Jobs, shifts, or hospital opportunity-related charges, where applicable
Event bookings, workshops, webinars, CME programs, or conference fees
Doctor Store product purchases
Professional services, including thesis support, CA services, documentation, or support services
Subscriptions, memberships, or premium features
Hospital partner plans, listings, promotions, or service fees
Seller, vendor, or partner payouts
Referral rewards, wallet credits, coupons, or promotional benefits
Any other paid feature or transaction on ZairoHealth

2. Payment Methods

ZairoHealth may support payment methods such as:

UPI
Debit cards
Credit cards
Net banking
Wallets
Payment links
Bank transfers
Other payment methods enabled by third-party payment partners

Available payment methods may vary by platform, location, transaction type, payment gateway, bank, or partner.

3. Third-Party Payment Gateways

Payments may be processed by third-party payment gateways, banks, card networks, UPI providers, wallets, or other financial service providers.

By making a payment, you may also be subject to the terms, privacy policy, refund process, and security practices of those third-party providers.

ZairoHealth is not responsible for delays, failures, outages, reversals, bank declines, gateway errors, or issues caused by third-party payment providers.

4. Pricing and Charges

Prices, fees, commissions, subscriptions, service charges, delivery fees, convenience fees, taxes, or other charges may be displayed at the time of purchase or booking.

ZairoHealth may update pricing at any time. Changes will not affect completed transactions unless correction is required due to error, fraud, or legal obligation.

Users should review all charges before confirming payment.

5. Taxes

Applicable taxes, including GST or other statutory charges, may be added where required.

Users, partners, sellers, vendors, hospitals, and service providers are responsible for their own tax compliance unless expressly stated otherwise.

Invoices, receipts, or tax documents may be issued where applicable and available.

6. Payment Confirmation

A transaction is considered successful only after ZairoHealth or its payment partner receives confirmation.

If your payment is deducted but confirmation is delayed or failed, contact support with the transaction reference.

Access to paid services, bookings, products, subscriptions, or benefits may be delayed until payment is confirmed.

7. Failed, Pending, or Duplicate Payments

If a payment fails, remains pending, or is deducted without confirmation:

Do not repeat payment immediately unless instructed
Check your bank, UPI, card, or wallet status
Contact ZairoHealth support with transaction details
Confirmed duplicate payments may be refunded after verification
Failed payment reversals may depend on bank or gateway timelines

8. Refunds and Cancellations

Refunds and cancellations are governed by ZairoHealth’s Refund & Cancellation Policy and any specific terms shown at the time of transaction.

Refund eligibility may vary by:

Product category
Service type
Event organizer policy
Subscription terms
Seller or partner policy
Stage of service completion
Verification or processing status
User cancellation timing

Approved refunds are generally processed to the original payment method unless another method is required or permitted.

9. Subscriptions and Renewals

If ZairoHealth offers subscriptions or memberships:

Fees may be charged in advance
Renewal may be automatic or manual depending on the plan
Users are responsible for cancelling before renewal, where applicable
Active-period fees may be non-refundable unless stated otherwise
Benefits may stop if payment fails, subscription expires, or account is suspended

10. Payouts to Partners, Sellers, or Service Providers

Where ZairoHealth facilitates payouts to sellers, vendors, hospitals, event organizers, service providers, or partners, payouts may be subject to:

KYC or business verification
Bank account verification
Tax documentation
Refund or chargeback hold periods
Platform fees or commissions
Settlement cycles
Fraud or risk review
Legal or regulatory restrictions

ZairoHealth may withhold, delay, reverse, or adjust payouts in cases of fraud, disputes, failed delivery, chargebacks, policy violations, or legal requirements.

11. Referral Rewards, Credits, and Coupons

Referral rewards, wallet credits, coupons, discounts, and promotional benefits may be subject to separate terms.

ZairoHealth may cancel, reverse, or deny rewards if:

Duplicate accounts are used
Fraud or misuse is suspected
Terms are violated
Transactions are cancelled or refunded
Eligibility conditions are not met
Technical or pricing errors occur

Promotional benefits may have expiry dates, usage limits, and non-transferability conditions.

12. Chargebacks and Payment Disputes

If you raise a chargeback or payment dispute through your bank, card issuer, UPI provider, or payment gateway, ZairoHealth may:

Suspend the related order, booking, service, or account
Provide transaction evidence to the payment partner
Pause refunds, rewards, or payouts
Restrict future transactions if misuse is suspected

Users should contact ZairoHealth support before raising disputes so the issue can be reviewed quickly.

13. Security

ZairoHealth does not ask users to share passwords, OTPs, full card numbers, banking credentials, or UPI PINs.

Never share sensitive payment credentials with anyone claiming to represent ZairoHealth.

Report suspicious payment messages, fake links, or impersonation immediately.

14. Currency

Unless otherwise stated, payments on ZairoHealth may be charged in Indian Rupees.

For international transactions, exchange rates, bank charges, international fees, or taxes may be applied by the user’s bank or payment provider.

15. Payment Restrictions

ZairoHealth may refuse, cancel, hold, or reverse a transaction if:

Payment is unauthorized
Fraud or misuse is suspected
KYC or verification is incomplete
Listing or pricing error occurs
Product or service is unavailable
Transaction violates platform policies
Required by law, payment gateway, bank, or partner

16. Contact Us

For payment-related support, contact:

ZairoHealth Payments Team
Email: support@zairohealth.com
Website: https://zairohealth.com