Payment Terms & Security
Clear and factual standards governing concierge service payments, third-party provider disbursements, Razorpay checkout, and our non-custodial financial policy.
1. Non-Custodial Financial Safety Standard
Proventa maintains a strict non-custodial payment security architecture. At no point does Proventa collect, handle, or store sensitive banking or cardholder data on its own servers.
- We never store credit card or debit card numbers, CVVs, expiry dates, or PINs.
- We never store UPI PINs, netbanking user IDs, or transaction passwords.
- Payment processing is routed directly through PCI-DSS Level 1 certified gateways.
2. Authorized Payment Gateway & Processing
All digital payment transactions across Proventa (including membership fees, concierge retainer charges, and customer-approved provider bookings) are processed securely via Razorpay Software Private Limited.
Supported payment methods provided through Razorpay include:
- Unified Payments Interface (UPI): Instant QR, collect requests, and UPI Intent across Google Pay, PhonePe, Paytm, and BHIM.
- Credit & Debit Cards: Visa, Mastercard, RuPay, and American Express with mandatory multi-factor authentication (OTP / 3D Secure).
- Netbanking: 50+ major Indian scheduled commercial banks.
- Standing Instructions / UPI Autopay: For recurring concierge membership cycles when explicitly authorized by the member.
3. Concierge Fees vs. Third-Party Provider Charges
Proventa operates under two distinct transaction models depending on the service category:
Fees charged by Proventa for task research, itinerary planning, concierge curation, and priority management. Invoiced with applicable Goods and Services Tax (GST) under Indian tax laws.
Disbursements for airfare, hotel accommodations, dining deposits, or event passes. These are charges set directly by verified third-party merchants. Proventa facilitates payment authorization strictly upon explicit customer approval.
4. Explicit Approval Gate Before Financial Commitment
Proventa will NEVER charge or disburse funds for any non-recurring booking without prior, unambiguous customer authorization. Every recommendation cycle requires:
- Presentation of a structured proposal card indicating itemized costs, merchant identity, and applicable cancellation terms.
- Customer selection of the preferred option.
- Customer click on "Approve & Reserve" or entry of the personal security key before checkout execution.
5. Invoicing, Receipts & Billing Inquiries
Itemized digital receipts and payment confirmations are generated immediately upon successful transaction completion and delivered via in-app timeline cards and transactional email.
If you notice any unexpected charge or discrepancies in your billing statements, contact our finance team immediately at concierge@proventa.in or reference our Cancellation & Refund Policy.