🔒 Payment Security — How Your Money is Protected
At WealthOS, your payment security is our highest priority. We partner with Razorpay — India's most trusted payment gateway — to ensure every transaction is safe, encrypted, and compliant with all regulatory requirements.
🛡️ Powered by Razorpay
All payments on WealthOS are processed by Razorpay, which is:
- ✅ PCI-DSS Level 1 Certified — the highest level of payment security certification
- ✅ RBI Compliant — fully regulated by the Reserve Bank of India
- ✅ 256-bit SSL Encrypted — military-grade encryption on every transaction
- ✅ 3D Secure (3DS) Enabled — additional OTP verification for card payments
- ✅ Used by 10 million+ businesses including Zomato, Swiggy, Razorpay, CRED, and more
🔐 What WealthOS Does NOT Store
WealthOS never sees or stores your payment credentials:
- ❌ Your credit/debit card numbers
- ❌ Your CVV or PIN
- ❌ Your net banking credentials
- ❌ Your UPI PIN
All sensitive payment data is handled exclusively by Razorpay's secure servers. WealthOS only receives a payment confirmation token after the transaction is complete.
🔄 How Auto-Pay Mandates Work
When you choose Auto-Renew, Razorpay creates a secure subscription mandate — a permission for them to charge your payment method on renewal dates. This mandate:
- Is stored entirely on Razorpay's secure infrastructure, not on WealthOS servers
- Can be cancelled by you at any time from the WealthOS Subscription page
- Complies with RBI's recurring payment guidelines (₹5,000 limit requires OTP approval)
📋 Payment Receipts & Audit Trail
- Every successful payment generates an instant email receipt to your registered email
- Razorpay also sends a separate payment confirmation via SMS/email
- A full payment history is available on your Subscription page
🏦 Refund Policy
- If a payment is charged but your subscription is not activated within 24 hours, contact us immediately — we will investigate and issue a full refund
- Refunds are processed to the original payment method within 5–7 business days
- For auto-renewal charges you didn't intend, contact us within 48 hours of the charge
📧 Email us at: support@wevanta.com