PAYMENT POLICY 

Last Updated: 26th February, 2026

Website: https://www.resumekendra.info/
Email: payments@resumekendra.info

Owner and Operator:
RADHEJU & SONS (A Joint Venture)
Registered Office Address: Sanjeet Naka, Mandsaur - 458001, Madhya Pradesh, India

TABLE OF CONTENTS

1. Introduction to Payment Policy

2. Definitions and Interpretation

3. Accepted Payment Methods

4. Payment Process Overview

5. Wallet Recharge Payments

6. Contact Information Access Payments

7. Premium Service Payments

8. Branch Partner Payments

9. Payment Security

10. Transaction Verification Process

11. UTR and Transaction References

12. Payment Failures

13. Failed Transactions

14. Duplicate Payments

15. Payment Receipts and Invoices

16. Currency and Conversion

17. Taxes on Payments

18. Payment Limits

19. Payment Disputes

20. Chargeback Policy

21. Refund Policy Reference

22. Contact Information

1. INTRODUCTION TO PAYMENT POLICY

1.1. This Payment Policy governs all financial transactions made on the Resume Kendra platform, accessible at https://www.resumekendra.info/. It applies to all users including Candidates, Employers, and Branch Partners.

1.2. RADHEJU & SONS, with registered office at Sanjeet Naka, Mandsaur - 458001, Madhya Pradesh, India, operates this platform and is committed to secure, transparent, and reliable payment processing for all users.

1.3. This policy explains the various payment methods available, how payments are processed, what to expect during transactions, and how to handle any payment-related issues.

1.4. By making any payment on the Resume Kendra platform, you acknowledge that you have read, understood, and agree to be bound by this Payment Policy.

1.5. All payments are processed in Indian Rupees (INR) and are subject to the terms and conditions outlined in this document.

2. DEFINITIONS AND INTERPRETATION

2.1. "Payment" means any transfer of funds made on the platform for services including wallet recharges, contact information access, and premium features.

2.2. "Transaction" means a specific payment event with a unique identifier.

2.3. "UTR" means Unique Transaction Reference, a unique number assigned to each bank transaction for identification and tracking purposes.

2.4. "Payment Gateway" means the third-party service provider that processes payments securely on our behalf.

2.5. "Wallet" means the digital prepaid account facility provided by Resume Kendra to registered users.

2.6. "Recharge" means adding funds to your Wallet through various payment methods.

2.7. "Verification" means the process of confirming that a payment is valid and successful before crediting the amount to the user's account.

2.8. "Failed Transaction" means a payment attempt that could not be completed successfully due to technical issues, insufficient funds, or other reasons.

2.9. "Duplicate Payment" means two or more identical payments processed for the same purpose due to technical error or user action.

2.10. "Chargeback" means a dispute initiated by a user with their bank or payment provider to reverse a transaction.

3. ACCEPTED PAYMENT METHODS

3.1. Resume Kendra accepts the following payment methods for all transactions on our platform:

3.2. UPI (Unified Payments Interface):
- Google Pay, PhonePe, Paytm, BHIM, and all other UPI apps
- Instant payment confirmation
- No additional charges

3.3. Net Banking:
- All major Indian banks including SBI, HDFC, ICICI, Axis, PNB, Bank of Baroda, and others
- Secure redirect to bank portal
- Transaction confirmation within minutes

3.4. Debit Cards:
- All Visa, Mastercard, RuPay debit cards
- Secure 3D Secure authentication
- Instant confirmation

3.5. Credit Cards:
- All Visa, Mastercard, American Express, RuPay credit cards
- Secure 3D Secure authentication
- Instant confirmation

3.6. Wallets:
- Paytm Wallet, Mobikwik, Amazon Pay, and other digital wallets
- Instant confirmation

3.7. Branch Partner Assisted Payment:
- Cash payments to Branch Partners (for assisted recharges only)
- Branch Partner collects cash and processes digital payment on your behalf

3.8. Bank Transfer (NEFT/RTGS/IMPS):
- Direct bank transfers to our designated bank account
- May take 2-4 hours for confirmation
- UTR must be provided for verification

3.9. We do not accept:
- Cash payments directly (except through Branch Partners)
- Cheques or demand drafts
- Cryptocurrencies
- Foreign currency

4. PAYMENT PROCESS OVERVIEW

4.1. The payment process on Resume Kendra follows these general steps:

4.2. Step 1: Initiate Payment - You select the service you wish to purchase (wallet recharge, contact information access, etc.) and click the payment button.

4.3. Step 2: Choose Payment Method - You select your preferred payment method from the available options.

4.4. Step 3: Enter Payment Details - You provide the necessary details for your chosen payment method (UPI ID, card details, bank selection, etc.).

4.5. Step 4: Authentication - You complete any required authentication (UPI PIN, OTP, net banking password, etc.).

4.6. Step 5: Payment Processing - The payment gateway processes your transaction securely.

4.7. Step 6: Confirmation - You receive immediate confirmation of successful payment with a transaction reference/UTR.

4.8. Step 7: Return to Platform - You are redirected back to Resume Kendra with payment status.

4.9. Step 8: Verification - Your payment enters the verification period (typically 24-48 hours for bank transfers, instant for other methods).

4.10. Step 9: Credit to Account - Once verified, the amount is credited to your Wallet or service is activated.

4.11. Step 10: Notification - You receive email/SMS confirmation of successful credit.

5. WALLET RECHARGE PAYMENTS

5.1. Wallet recharges allow users to add funds to their Resume Kendra Wallet for future use.

5.2. Minimum Recharge Amount: ?100 per transaction

5.3. Maximum Recharge Amount: ?10,000 per transaction (for individual users)

5.4. Daily Limit: ?25,000 per user account

5.5. Monthly Limit: ?1,00,000 per user account

5.6. To recharge your Wallet:
- Log in to your account
- Go to "My Wallet" section
- Click on "Recharge Wallet"
- Enter the amount
- Select payment method
- Complete payment
- Wait for verification (24-48 hours for bank transfers, instant for UPI/cards)

5.7. Wallet balance can be used for:
- Contact information access fees
- Premium service payments
- Other fee-based features

5.8. Wallet balance is non-transferable to other users.

5.9. Wallet balance does not expire.

5.10. Wallet recharges are subject to the Refund Policy.

6. CONTACT INFORMATION ACCESS PAYMENTS

6.1. To view full contact information (email and phone) of another user, a fee must be paid.

6.2. Fee Amount: As displayed at the time of transaction (varies based on user type and other factors)

6.3. Payment Options:
- Pay directly via UPI/card/net banking
- Pay using Wallet balance

6.4. Process:
- View profile of Candidate or Employer
- Click on "View Contact Details" or "Contact Now"
- Review the fee amount
- Choose payment method
- Complete payment
- Contact information is immediately revealed

6.5. Important Notes:
- Fee is non-refundable once contact information is viewed
- Contact information is shown only once after payment (you should save it)
- You can access the information again from your transaction history without additional payment

6.6. Contact information access payments are subject to the Refund Policy with the 48-hour rule.

7. PREMIUM SERVICE PAYMENTS

7.1. Resume Kendra offers various premium services that require payment:

7.2. For Candidates:
- Featured Profile (appears higher in search results)
- Resume Boost (more visibility to employers)
- Priority Applications
- Career Counseling Sessions
- Resume Review Services

7.3. For Employers:
- Featured Job Postings
- Company Profile Boost
- Priority Candidate Access
- Advanced Search Filters
- Recruitment Analytics

7.4. Payment Options:
- Pay directly via UPI/card/net banking
- Pay using Wallet balance

7.5. Process:
- Select the premium service
- Review pricing and duration
- Choose payment method
- Complete payment
- Service is activated immediately or as per schedule

7.6. Refundability:
- Services not yet activated may be eligible for refund within 48 hours
- Services already delivered are non-refundable
- Partial refunds may be considered for unused portions at our discretion

8. BRANCH PARTNER PAYMENTS

8.1. Branch Partners can facilitate payments on behalf of Candidates and Employers through the Assisted Recharge process.

8.2. For Customers (Candidates/Employers):
- You can pay cash to your local Branch Partner
- Branch Partner will process the digital payment on your behalf
- You will receive a receipt from the Branch Partner
- The amount will be credited to your Wallet after verification (24-48 hours)

8.3. For Branch Partners:
- You must maintain sufficient Float Balance in your Partner Wallet
- When a customer pays you cash, you process the recharge from your Float Balance
- The amount is debited from your Float Balance immediately
- You earn commission on successful recharges
- You must provide a receipt to the customer

8.4. Commission Structure:
- Commission rates are specified in the Branch Partner Agreement
- Commission is credited to Partner's Commission Balance after verification
- Commission can be withdrawn to bank account

8.5. Verification:
- Assisted recharges follow the same 24-48 hour verification process
- Verification is based on the transaction from the Branch Partner's Float Balance

8.6. Disputes:
- Any dispute regarding assisted payments must be reported within 48 hours
- Branch Partners are responsible for resolving disputes with their customers

9. PAYMENT SECURITY

9.1. Resume Kendra takes payment security seriously and implements multiple measures to protect your financial information:

9.2. PCI DSS Compliance: Our payment gateways are PCI DSS compliant, meeting the highest security standards for card payments.

9.3. Encryption: All payment information is encrypted using 256-bit SSL/TLS technology during transmission.

9.4. No Storage of Card Details: We do not store your credit/debit card numbers, CVV, or expiry dates on our servers.

9.5. Tokenization: Where applicable, payment information is tokenized for recurring transactions.

9.6. 3D Secure: All card payments are protected by 3D Secure authentication (OTP verification).

9.7. Fraud Monitoring: Our systems monitor transactions for suspicious patterns and may flag unusual activity for review.

9.8. Secure Redirects: You are redirected to the payment gateway's secure page for entering sensitive information.

9.9. OTP Verification: UPI and card payments require OTP verification for authorization.

9.10. Transaction Limits: We impose transaction limits to minimize risk in case of account compromise.

9.11. No Liability for Fraud: Users are responsible for securing their own payment credentials. Resume Kendra is not liable for fraudulent transactions resulting from user negligence.

10. TRANSACTION VERIFICATION PROCESS

10.1. All payments undergo a verification process before funds are credited to user accounts or services are activated.

10.2. Instant Verification (UPI, Cards, Wallets):
- Most digital payments are verified instantly
- Amount is credited to Wallet immediately or within minutes
- Service is activated immediately

10.3. Standard Verification (Bank Transfers - NEFT/RTGS/IMPS):
- Verification takes 24-48 hours
- You must enter the UTR number after transfer
- Our team manually or automatically verifies with bank records
- Amount is credited after successful verification

10.4. Assisted Recharge Verification:
- Branch Partner processes from their Float Balance
- Verification takes 24-48 hours
- Customer's Wallet is credited after verification
- Branch Partner's commission is credited after verification

10.5. Verification Status:
- Pending: Transaction received, verification in progress
- Successful: Verified and credited to your account
- Failed: Verification unsuccessful, amount not credited
- Action Required: Additional information needed

10.6. You can check verification status in your transaction history.

11. UTR AND TRANSACTION REFERENCES

11.1. Every payment receives a unique transaction reference number that must be preserved for future reference.

11.2. UTR (Unique Transaction Reference):
- Provided by your bank for NEFT/RTGS/IMPS transfers
- Typically 12-16 digits alphanumeric code
- Required for verification of bank transfers
- Must be entered correctly in the platform

11.3. Payment Gateway Reference:
- Provided by the payment gateway for UPI/card transactions
- Can be used to track the transaction

11.4. Resume Kendra Transaction ID:
- Generated by our platform for every payment attempt
- Included in all communications

11.5. Importance of UTR:
- Incorrect UTR will cause verification failure
- Amount will not be credited until correct UTR is provided
- Keep screenshot of payment confirmation with UTR

11.6. What to do if UTR is wrong:
- Contact payments@resumekendra.info within 48 hours
- Provide correct UTR and proof of payment
- Manual verification may be possible

12. PAYMENT FAILURES

12.1. Payments may fail for various reasons. Common causes and solutions:

12.2. Insufficient Funds:
- Ensure your account has sufficient balance
- Check with your bank

12.3. Incorrect Details:
- Verify UPI ID, card details, or bank information
- Try again with correct details

12.4. Technical Issues:
- Temporary problems with payment gateway
- Try after some time
- Use alternative payment method

12.5. Bank Server Down:
- Your bank's systems may be temporarily unavailable
- Try after some time
- Contact your bank

12.6. Transaction Limit Exceeded:
- Check your daily transaction limits with your bank
- Try a smaller amount or use different method

12.7. Authentication Failure:
- Wrong OTP entered
- UPI PIN incorrect
- Try again carefully

12.8. What to do if payment fails but amount deducted:
- Wait for 24-48 hours for auto-reversal
- Contact your bank
- Contact payments@resumekendra.info with details
- We will assist in investigation

12.9. Resume Kendra is not responsible for failed transactions due to user error or bank issues.

13. FAILED TRANSACTIONS

13.1. A "failed transaction" occurs when a payment attempt is unsuccessful and no amount is credited to your Resume Kendra account.

13.2. If amount was NOT deducted from your account:
- Simply try the payment again
- No further action needed

13.3. If amount WAS deducted from your account but verification failed:
- This is called a "failed verification" scenario
- The amount is with your bank, not with Resume Kendra
- Contact your bank for reversal
- We can provide transaction proof if needed

13.4. If amount was deducted twice but only one verification:
- This is a duplicate payment (see Section 14)

13.5. Timeline for failed transactions:
- Banks typically reverse failed transactions within 3-7 business days
- Some banks may take up to 10 business days
- Contact your bank if not reversed within this period

13.6. Resume Kendra cannot reverse bank-level deductions. We only process reversals for transactions that were credited to us.

14. DUPLICATE PAYMENTS

14.1. A duplicate payment occurs when the same amount is deducted multiple times for a single intended transaction.

14.2. How duplicates happen:
- Network issues causing multiple submission attempts
- User clicking payment button multiple times
- Technical glitch in payment gateway

14.3. If you notice a duplicate payment:
- Do not make another payment
- Check your transaction history to confirm both transactions
- Note both UTRs/transaction references
- Email payments@resumekendra.info within 48 hours

14.4. Information to provide:
- Your registered email and User ID
- Date and amount of both transactions
- UTR numbers for both
- Screenshot of bank statement showing both deductions

14.5. Resolution:
- We will verify both transactions
- If both were credited to your Wallet, the duplicate will be refunded
- Refund processed to original source within 7-15 business days
- You will receive confirmation email

14.6. Duplicate payments reported after 48 hours may not be eligible for refund as per Refund Policy.

15. PAYMENT RECEIPTS AND INVOICES

15.1. For every successful payment, you will receive:

15.2. Instant Confirmation:
- On-screen success message
- Transaction ID displayed

15.3. Email Receipt:
- Sent to your registered email address
- Contains transaction details, amount, date, and purpose
- Includes Resume Kendra transaction ID

15.4. SMS Confirmation:
- Sent to your registered mobile number
- Brief confirmation of transaction

15.5. Transaction History:
- Available in your account under "My Transactions" or "Wallet History"
- Downloadable as PDF or CSV
- Complete record of all payments

15.6. Tax Invoices:
- GST invoices are generated for applicable services
- Available in your account under "Invoices"
- Contains GSTIN, invoice number, and tax details

15.7. For Branch Partner Assisted Recharges:
- Branch Partner should provide a manual receipt
- Digital receipt also available in your transaction history

15.8. Keep all payment records for your reference and for any future disputes.

16. CURRENCY AND CONVERSION

16.1. All payments on Resume Kendra are processed in Indian Rupees (INR) .

16.2. For users within India:
- All prices displayed are in INR
- No currency conversion applicable

16.3. For users outside India:
- Prices are still in INR
- Your bank or card provider will convert INR to your local currency
- Conversion rates and foreign transaction fees are determined by your bank
- Resume Kendra has no control over these charges

16.4. We recommend that international users:
- Check with their bank about foreign transaction fees
- Understand that final amount may vary due to exchange rates
- Consider using international cards that offer zero forex markup

16.5. We do not accept payments in any currency other than INR.

16.6. Refunds to international users will be processed in INR and converted by your bank at their rates.

17. TAXES ON PAYMENTS

17.1. Applicable taxes are applied to all payments as per Indian tax laws.

17.2. Goods and Services Tax (GST):
- GST is applicable on all services provided by Resume Kendra
- Current GST rate: 18% (subject to change as per government notifications)
- GST is included in the displayed price where applicable

17.3. Wallet Recharges:
- Recharging your Wallet is prepayment for services
- GST is applied when you use Wallet balance to purchase services, not at recharge time

17.4. Direct Service Payments:
- GST is applied at the time of payment
- Invoice with GST details is provided

17.5. TDS (Tax Deducted at Source):
- For Branch Partner commissions, TDS is deducted as per Income Tax Act
- TDS certificates are provided annually

17.6. GST Invoice:
- Our GSTIN: [Insert GSTIN]
- Invoices are available in your account
- Invoices are valid for input tax credit claims

17.7. Tax rates and rules are subject to change. We update our systems accordingly.

18. PAYMENT LIMITS

18.1. To ensure security and compliance, we have established the following payment limits:

18.2. Individual User Limits:

18.3. Employer Account Limits:
- Higher limits may be available for verified employer accounts
- Contact payments@resumekendra.info for limit enhancement

18.4. Branch Partner Limits:
- As specified in Branch Partner Agreement
- Generally higher than individual limits

18.5. Bank-Specific Limits:
- Your bank may impose its own limits on UPI, card, or net banking transactions
- These are beyond our control

18.6. Why limits exist:
- Prevent fraud and misuse
- Comply with regulatory requirements
- Protect user accounts

18.7. If you need higher limits, contact payments@resumekendra.info with justification.

19. PAYMENT DISPUTES

19.1. If you have a dispute regarding a payment, please follow this process:

19.2. Step 1: Check Transaction History
- Verify the transaction details in your account
- Confirm amount, date, and purpose

19.3. Step 2: Contact Support
- Email payments@resumekendra.info
- Provide your registered email, User ID
- Transaction date, amount, and UTR
- Clear description of the issue
- Attach screenshots if applicable

19.4. Step 3: Investigation
- We will investigate within 3-5 business days
- We may request additional information
- We will provide findings and proposed resolution

19.5. Step 4: Resolution
- If error is on our side, we will correct it
- If refund is applicable, we will process it
- If no error found, we will explain why

19.6. Step 5: Escalation
- If unsatisfied, email grievance@resumekendra.info
- Provide all previous correspondence
- Grievance officer will review within 7 days

19.7. Time Limit:
- Disputes must be raised within 48 hours of transaction
- Disputes after 48 hours may not be entertained as per Refund Policy

20. CHARGEBACK POLICY

20.1. A chargeback is when a user disputes a transaction with their bank or card provider and requests reversal of the charge.

20.2. Before Initiating Chargeback:
- Please contact us first at payments@resumekendra.info
- Most issues can be resolved directly
- Chargebacks should be last resort

20.3. If You Initiate a Chargeback:

20.4. Your account will be immediately suspended pending investigation.

20.5. We will provide all transaction records to your bank to dispute the chargeback.

20.6. If the chargeback is reversed in our favor, your account may be reactivated.

20.7. If the chargeback is successful:
- Your account will be permanently terminated
- You will be banned from future use
- Any Wallet balance will be forfeited
- Legal action may be taken for recovery

20.8. Chargeback Fee:
- A fee of ?500 will be deducted from any future refunds
- Covers our administrative costs

20.9. Multiple Chargebacks:
- Users with multiple chargebacks will be permanently banned
- Information may be shared with fraud prevention databases

20.10. Chargebacks related to transactions older than 48 hours will be vigorously contested as per Refund Policy.

21. REFUND POLICY REFERENCE

21.1. All payments are subject to our Refund Policy, which is incorporated into this Payment Policy by reference.

21.2. Key Refund Principles:
- NO REFUND after 48 hours from transaction verification
- Contact information fees are non-refundable once viewed
- Duplicate payments refunded if reported within 48 hours
- Failed verification requires contacting bank

21.3. For complete details, please read our separate Refund Policy available at:
https://www.resumekendra.info/refund-policy

21.4. Any payment-related refund requests must follow the Refund Policy.

21.5. Refund decisions are final and binding.

22. CONTACT INFORMATION

22.1. For all payment-related inquiries, assistance, or to report issues, please contact us:

22.2. Payment Support Email: payments@resumekendra.info

22.3. Wallet Support: wallet@resumekendra.info

22.4. Refund Requests: refund@resumekendra.info

22.5. Grievance Escalation: grievance@resumekendra.info

22.6. Branch Partner Payments: branch.payments@resumekendra.info

22.7. Postal Address:
Payments Department
RADHEJU & SONS (Joint Venture)
Sanjeet Naka, Mandsaur - 458001
Madhya Pradesh, India

22.8. Support Hours: Monday to Saturday, 10:00 AM to 6:00 PM (except public holidays)

22.9. When contacting about payments, please include:
- Your registered email address and User ID
- Transaction date and amount
- UTR or transaction reference
- Clear description of the issue
- Screenshots if applicable

22.10. We will acknowledge receipt within 24 hours and strive to resolve all payment matters within 3-5 business days.

SUMMARY: KEY POINTS TO REMEMBER

BY MAKING ANY PAYMENT ON THE RESUME KENDRA PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PAYMENT POLICY.

© 2026 RADHEJU & SONS (A Joint Venture). All Rights Reserved.

Platform: Resume Kendra
Website: https://www.resumekendra.info/
Payment Support: payments@resumekendra.info
Address: Sanjeet Naka, Mandsaur - 458001, Madhya Pradesh, India

This Payment Policy was last updated on February 26, 2026. Please check back periodically for updates.