Donation & Payment Gateway Policy

Accepted Payment Methods

We aim to make donating simple and secure. We accept the following methods where available:

• Credit & Debit Cards (Visa, MasterCard, Maestro, Amex where applicable).
• Netbanking / IMPS through major Indian banks.
• UPI (QR / handle) for donors in India.
• Wallets and Mobile Payment Apps supported by our payment gateway(s).
• Bank Transfer / NEFT / RTGS — for high-value donations or institutional donors (bank details provided on request).

Note: Available methods may vary depending on your country and the donation platform we use. If you require an offline transfer or institutional invoice, please contact us at info@includiatrust.com.

Payment Processing & Gateway Security

Donations are processed by reputable third-party payment providers (payment gateways). Key points:

• All online transactions occur over encrypted connections (TLS/HTTPS).
• We use PCI-DSS compliant payment gateways for card processing. Card data is handled by the gateway and is not stored on our servers.
• We never ask for full card numbers or CVV over email or phone. If you are asked for card details offline, please contact us immediately.
• Transaction confirmations from the payment provider may be sent to the email/phone you provide during payment; we also send our own acknowledgement and tax receipt where applicable.

Recurring Donations

If you choose to set up a recurring donation (monthly, quarterly, yearly), the following applies:

• Recurring payments are processed via our selected payment gateway and will continue until cancelled by you or us.
• You can cancel at any time through your donor account (if applicable), via the payment provider, or by emailing info@includiatrust.com. Cancellation requests will be processed within a reasonable timeframe; prior scheduled payments may not be refundable.
• We will clearly display the recurring amount, frequency and start date before you confirm a recurring donation.

Currency, Conversion & Transaction Fees

By default, donations are accepted in Indian Rupees (INR). If you donate in another currency:

• Your bank or payment provider may perform currency conversion; any conversion fees are charged by your provider and are separate from the donation amount.
• Payment gateways may deduct processing fees from the transacted amount. We will indicate whether the displayed donation amount is gross (what you pay) or net (what we receive) at the time of payment.
• Where possible, donors may choose to cover transaction fees to ensure the full intended amount supports our work.

Refunds & Cancellations

Donations to Includia Trust are generally non-refundable because they are used immediately to fund programs. However, we recognise exceptional circumstances and outline our approach below:

• Voluntary cancellations: If a recurring donation cancellation request is received before the next scheduled debit, we will stop future charges but typically cannot refund already-processed payments.
• Duplicate/Accidental transactions: If you unintentionally donate more than intended, contact us at info@includiatrust.com within 14 days. We will review and, where appropriate, issue a refund or offer to reallocate the amount.
• Gateway errors / failed processing: If a payment is charged incorrectly due to gateway error, we will work with the gateway to resolve the issue and may issue a refund.
• Chargebacks: If a donor initiates a chargeback via their card issuer, we will investigate. If the chargeback is not upheld, we may request recovery of funds or decline future donations from the same source.

All refund decisions are at our discretion and may require verification. Please allow 7–21 business days for refunds to appear in your account depending on your bank/gateway.

Receipts, Acknowledgements & Tax Information

We provide electronic receipts for all donations as follows:

• Immediate confirmation: After a successful transaction, you will receive an automated confirmation from the payment provider.
• Official receipt: We will email an official acknowledgement/receipt within 5 business days to the email address you provide. Receipts include donor name (if provided), donation amount, date, and transaction reference.

Data Security & Privacy

We respect your privacy and protect your information:

• We collect only the minimum data necessary to process donations (name, email, billing details and payment token). Sensitive payment data (full card numbers, CVV) is handled exclusively by the payment gateway.
• We comply with applicable data protection obligations. Donor information is stored securely and access is limited to authorised personnel.
• We may use donor information to send donation confirmations, yearly summaries, stewardship updates, and occasional program news. You may opt out of marketing communications at any time by replying to the email or contacting us.
• We retain donation records for accounting, audit and legal compliance. Specific retention periods may vary by law.

For our full privacy practices, please refer to our Privacy Policy (if you have one) or email info@includiatrust.com for details.

Chargebacks, Fraud & Investigation

We take fraud and misuse seriously:

• If a transaction is disputed, our team will investigate and respond to the payment provider with supporting documentation.
• We may suspend or block accounts or donations suspected of fraudulent activity and will cooperate with law enforcement where required.

Support & Contact

If you have questions about a donation, need a duplicate receipt, or wish to set up institutional giving, please contact us:

For urgent payment disputes, also contact your bank or card issuer and quote the transaction reference provided in your receipt.