Effective Date: 26/01/2026.
This Payment Policy governs all payments made to Govaio Network (“Govaio”, “we”, “us”, “our”) for products and services purchased through https://www.govaio.com or any associated platform.
By purchasing or renewing any service, you agree to this Payment Policy in addition to our Terms & Conditions, Refund Policy, and other applicable policies.
1. ACCEPTED PAYMENT METHODS
Govaio accepts payments through approved payment gateways and methods, which may include:
Credit Cards (Visa, MasterCard, etc.)
Debit Cards
Net Banking
UPI
Wallets
Bank Transfer (NEFT / RTGS / IMPS)
Other methods as displayed during checkout
Govaio reserves the right to add, remove, or restrict payment methods at any time.
2. CURRENCY & PRICING
2.1 All prices are displayed in the currency shown on the website at checkout.
2.2 Prices may vary based on:
Location
Currency conversion rates
Taxes
Payment gateway charges
2.3 Govaio is not responsible for:
Currency conversion fees
Bank processing charges
International transaction fees
3. TAXES & STATUTORY CHARGES
3.1 Applicable taxes (including GST, VAT, or other statutory levies) are charged as required by law.
3.2 Customers are responsible for providing accurate tax information.
3.3 Tax invoices are issued based on information provided during checkout.
Incorrect tax details may result in invalid invoices.
4. BILLING CYCLE & INVOICING
4.1 Services are billed on:
Monthly
Quarterly
Semi-annual
Annual
One-time basis
4.2 Invoices are generated:
At service activation
Before renewal
For upgrades or add-ons
4.3 Customers are responsible for monitoring invoices via the client area.
5. ADVANCE PAYMENTS
5.1 All services are prepaid, unless otherwise agreed in writing.
5.2 Services will not be activated until full payment is received.
5.3 Partial payments are not accepted unless explicitly allowed.
6. AUTO-RENEWAL & RECURRING PAYMENTS
6.1 Certain services renew automatically by default.
6.2 Customers are responsible for:
Managing auto-renewal settings
Maintaining valid payment methods
6.3 Failure to cancel before renewal results in full charge.
7. FAILED PAYMENTS & NON-PAYMENT
7.1 Failed or declined payments may result in:
Service suspension
Late fees
Account restrictions
7.2 Govaio is not responsible for:
Bank declines
Insufficient balance
Payment gateway issues
7.3 Services may be terminated if payment remains unpaid beyond the grace period.
8. CHARGEBACKS & PAYMENT DISPUTES
8.1 Chargebacks or disputes filed without contacting support first are considered payment abuse.
8.2 Chargeback abuse may result in:
Immediate account suspension
Termination of all services
Blacklisting of customer account
8.3 Customers are responsible for all chargeback fees incurred by Govaio.
9. REFUNDS & CREDITS
9.1 Refunds are governed strictly by the Refund Policy.
9.2 Approved refunds are issued using the original payment method.
9.3 Service credits:
Are non-transferable
Have no cash value
Cannot be withdrawn
10. PROMOTIONS, COUPONS & DISCOUNTS
10.1 Promotional pricing is valid only for the specified period.
10.2 Misuse of promotions may result in cancellation without refund.
10.3 Discounts do not apply retroactively.
11. PRICE CHANGES
11.1 Govaio reserves the right to:
Modify pricing
Change billing terms
11.2 Price changes apply to renewals and new purchases.
12. FRAUD PREVENTION
12.1 Govaio may:
Verify transactions
Request identity verification
Suspend suspicious orders
12.2 Fraudulent activity results in immediate termination with no refund.
13. PAYMENT CONFIRMATION
13.1 Payment confirmation is sent via email.
13.2 It is the customer’s responsibility to ensure valid email address for delivery.
14. THIRD-PARTY PAYMENT PROCESSORS
14.1 Payments are processed by third-party gateways.
14.2 Govaio does not store full card details.
14.3 Third-party processor terms also apply.
15. POLICY VIOLATIONS
Violation of this Payment Policy may result in:
Service suspension
Termination
Legal action (if applicable)
16. POLICY MODIFICATIONS
Govaio may update this Payment Policy at any time.
Changes take effect upon publication on the website.
17. CONTACT INFORMATION
For payment-related queries:
Govaio Network
🌐 https://www.govaio.com
📧 [email protected]