Payment Policy
Last updated: June 2026 | Effective for all Fotozu transactions
Payment Overview
Fotozu uses Razorpay as our authorized payment processor for all transactions including subscription plans, credit purchases, and storage upgrades. Razorpay is India's leading payment gateway certified by NPCI and compliant with PCI DSS Level 1 security standards.
Accepted Payment Methods
Visa, Mastercard, American Express (all currencies supported)
All major UPI apps (Google Pay, PhonePe, Paytm, etc.)
All major Indian banks supported
Paytm, Amazon Pay, Airtel Money, and others
Razorpay's BNPL options when available
Pricing & Billing
- All prices are displayed in Indian Rupees (₹) on the website
- Subscription plans auto-renew monthly on the same date of purchase
- Extra storage blocks are billed monthly at ₹100 per 10GB block
- Credit recharges are one-time purchases with no auto-renewal
- All prices include applicable GST (18% for India)
- Taxes are calculated and displayed before checkout
Subscription Plan Pricing
| Plan | Storage | Price/Month |
|---|---|---|
| Free | 10 GB | ₹0 |
| Basic | 50 GB | ₹499 |
| Standard | 150 GB | ₹999 |
| Pro | 400 GB | ₹1,999 |
| Studio | 1 TB | ₹3,999 |
| Studio Pro | 1 TB | ₹4,999 |
Extra storage blocks (₹100 per 10GB) are added monthly on top of the base plan.
Payment Processing & Security
- Secure Processing: All payments are processed through Razorpay's PCI DSS Level 1 certified servers
- SSL Encryption: Your payment information is encrypted in transit using 256-bit SSL
- No Card Storage: Fotozu never stores card details; Razorpay handles all sensitive data
- 3D Secure: Additional verification layer for card payments when required
- Tokenization: Save payment methods for faster checkout (optional)
- Transaction ID: Each payment receives a unique Razorpay transaction ID for tracking
Order & Payment Status
Pending
Payment initiated but not yet confirmed
Authorized
Payment verified; credits/subscription activated immediately
Captured
Funds transferred to Fotozu's account (final status)
Failed
Payment declined; no charges applied. Retry or use different method.
Invoices & Receipts
- Digital invoices are generated automatically after successful payment
- Invoices include GST, payment method, transaction ID, and plan details
- View and download all invoices in your account dashboard under Billing → Invoices
- Email receipts are sent to your registered email address
- Invoices are available indefinitely for tax & compliance purposes
Failed & Declined Payments
- No Charge: Failed payments are NOT charged; you can retry immediately
- Reasons for Decline: Insufficient funds, expired card, incorrect details, fraud checks, bank restrictions
- Resolution: Update your card details or try a different payment method
- Multiple Failures: If payments fail 3+ times, contact support
- Retries: You have unlimited retry attempts; no penalties apply
Subscriptions & Auto-Renewal
- All plans auto-renew monthly on the anniversary date of your purchase
- Renewal reminders are sent 7 days before charging
- You can cancel anytime from Settings → Billing — no penalties
- Cancellation takes effect at the end of the current billing cycle
- If a renewal payment fails, we'll retry for 3-5 days before downgrading
- Downgrade to Free plan results in loss of data beyond the free tier limit
International Payments
- Razorpay accepts international Visa/Mastercard at dynamic exchange rates
- Your bank determines the final converted amount and may apply conversion fees
- Fotozu's prices are displayed in INR; international customers see USD equivalents at checkout
- Razorpay does NOT add hidden fees on top of exchange rates
- For queries on conversion rates, contact Razorpay support directly
Troubleshooting Payment Issues
Payment page won't load?
Check your internet connection and clear browser cache. Use the latest version of Chrome, Firefox, or Safari.
Card rejected even with sufficient funds?
Contact your bank to enable international transactions or OTP verification for Razorpay.
Payment successful but credits not added?
Allow 5-10 minutes for processing. Check your inbox for invoice email. If not received, contact support with transaction ID.
Duplicate charge applied?
Contact support immediately with transaction IDs. We have fraud protection and can issue refunds within 48 hours.
Payment Support
For payment-related issues, inquiries, or disputes:
Email: support@fotozutech.com
Response Time: 24-48 hours on business days
Phone: +91 797-789-8161 (WhatsApp available)