Last updated April 2026 · PCI DSS Level 1
Secure. Instant. Transparent.
All payments processed through Razorpay with bank-grade security. No hidden fees.
Payment Processor
Razorpay — India's leading gateway.
Razorpay — All payments are processed through Razorpay, one of India's leading payment gateways trusted by millions of businesses.
No credentials stored — We never store your card numbers, UPI IDs, or banking credentials on our servers. All sensitive data is handled directly by Razorpay's secure infrastructure.
PCI compliant processing — Razorpay is PCI DSS Level 1 certified — the highest security standard in the payments industry.
Accepted Methods
UPI, cards, net banking, wallets.
UPI — Google Pay, PhonePe, Paytm, BHIM, and all UPI-enabled apps for instant payments.
Credit & Debit Cards — Visa, Mastercard, Rupay, and American Express — all major card networks accepted.
Net Banking — All major Indian banks supported including SBI, HDFC, ICICI, Axis, Kotak, and more.
Wallets — Paytm, PhonePe, Amazon Pay, and other popular digital wallets.
Currency & Pricing
All prices in INR. No hidden fees.
Indian Rupees (INR) — All prices are displayed and charged in Indian Rupees (₹).
Inclusive of taxes — Prices shown are inclusive of all applicable taxes including GST. No surprises at checkout.
No hidden fees — What you see is what you pay — no processing fees, service charges, or convenience fees added.
Payment Security
PCI DSS Level 1. 256-bit SSL. 3D Secure.
PCI DSS Level 1 — Razorpay holds the highest level of certification in the payments industry, ensuring your data is always protected.
256-bit SSL encryption — All transactions are encrypted using 256-bit SSL — the same standard used by banks worldwide.
3D Secure authentication — Card transactions are verified via Verified by Visa and Mastercard SecureCode for an additional layer of protection.
Tokenisation — Card details are tokenised by Razorpay per RBI guidelines — your actual card number is never exposed.
Instant Delivery
Digital products. Immediate access.
Digital products — All products sold on KreatiVishAI are digital — templates, skill packs, eBooks, and resources.
Immediate access — Once payment is confirmed, you get instant access through your account dashboard. No waiting.
Confirmation email — A confirmation email with access details and receipt is sent to your registered email address.
Failed Payments
Retry, switch method, auto-refund.
Check your balance — Ensure sufficient funds in your account or wallet before retrying.
Retry the payment — Payment failures are often temporary — wait a minute and try again.
Try a different method — Switch payment methods (e.g., from card to UPI) if one isn't working.
Amount debited but no access? — Don't worry — if money was debited but you didn't get access, the amount auto-refunds within 5–7 business days. Contact us if it doesn't.
Invoices & Receipts
Receipt after every purchase. Invoice on request.
Automatic receipts — A payment receipt is sent to your email after every successful purchase.
Detailed invoices — Need a detailed invoice for accounting or reimbursement? Contact us and we'll provide one with GST details.
Purchase history — View all your past purchases and download receipts anytime from your account dashboard.