Payment Policy

Last updated: 19 September 2026

This policy explains how you pay on SnehSe, how coins work, and what happens if a payment does not go through. It forms part of our Terms & Conditions. SnehSe is operated by ABHIMEX WORLD PRIVATE LIMITED, Gorakhpur, Uttar Pradesh, India.

1. Coins

You pay for conversations on SnehSe with coins. Coins are prepaid credit for use inside SnehSe only. They:

• have no cash value and cannot be exchanged for money,
• cannot be transferred to another account,
• do not earn interest and are not a deposit.

2. Buying coins

• Coins are sold in packs. The price of each pack, the number of coins it gives and any bonus coins are shown before you pay.
• GST at the applicable rate (currently 18%) is added to the pack price and shown separately before you confirm. The total you see is the total you pay.
• Where an offer or coupon applies, the discount is shown before you pay.

3. How payments are processed

• Payments are processed by our payment partner, Cashfree Payments India Pvt. Ltd., a payment aggregator authorised by the Reserve Bank of India. You can pay by UPI, debit or credit card, net banking or wallet, as offered at checkout.
• You enter your payment details on Cashfree's secure checkout. SnehSe never receives or stores your card, UPI or bank details.
• Coins are added only after Cashfree confirms to our servers that the payment succeeded, for the full amount. Usually this takes a few seconds.

4. If a payment is processing or fails

Your Wallet → Payments screen shows every payment and its status.

• Processing — your bank has not confirmed the payment yet. This is common with UPI and usually clears within minutes. Your coins are added automatically as soon as it is confirmed. Please do not pay again.
• Failed — the payment did not go through and no coins were added. If money was deducted from your account, your bank or Cashfree returns it to the same account automatically, usually within 5–7 working days.
• Not completed — the checkout was closed before a payment was made. You have not been charged.

If money was deducted and neither the coins nor a refund have reached you within 7 working days, contact us with the Order ID shown in the payment's details.

5. How conversations are charged

• Each listener has a per-minute rate for chat, voice and video, set within limits we control. The rate is shown before a conversation starts and is fixed for that conversation.
• Conversations are charged per started minute from your coin balance, using times recorded by our servers.
• If your balance runs low you are warned, and you can add coins without leaving the conversation. When your balance reaches zero, the conversation ends automatically — you can never be charged more than your balance.
• If a conversation is interrupted by a dropped connection, you are charged only for the time that actually passed.

6. Receipts

Every payment is listed in Wallet → Payments with the pack, the price, GST, the total, the date and time, the Order ID and the payment ID. Every coin you spend is recorded in your conversation history.

7. Refunds

Refunds are covered by our Refund & Cancellation Policy.

8. Listeners

Payments to listeners for the conversations they take are governed by the Listener Agreement, not this policy.

9. Contact

For any question about a payment, email snehsesupport@gmail.com with the Order ID from the payment's details.