PAYMENT POLICY

✅ PAYMENT POLICY — FARMORA EXPORTS

Last Updated: November 2025

This Payment Policy describes the terms under which Farmora Exports (“we”, “our”, “the exporter”) accepts and processes payments for export orders. By placing an order or requesting a quote, the Buyer agrees to the terms outlined below.

1. Payment Requirement

Farmora Exports follows a 100% Advance Payment Policy for all export orders unless otherwise agreed in writing.
Processing of goods begins only after full payment is received and verified.

This helps ensure:

  • Batch allocation

  • Packing and manufacturing scheduling

  • Timely documentation

  • Guaranteed export timelines

2. Accepted Payment Methods

We accept international payments via:

✔ Bank Transfer (SWIFT / TT) — Primary Method

This is the standard payment mode for all export orders.
Bank account details are shared only on the official Proforma Invoice (PI).

✔ Domestic Bank Transfer (NEFT/RTGS/IMPS) — India Only

For domestic transactions where applicable.

❌ Not Accepted

To avoid compliance risks, we do not accept:

  • Credit/Debit Cards

  • PayPal

  • Western Union / MoneyGram

  • Cash Payments

  • Partial Payments

  • Payments to third-party accounts

All payments must be made directly to the authorized Farmora Exports bank account mentioned in the PI.

3. Currency

Payments are accepted in:

  • USD (preferred)

  • INR (for domestic buyers)

Currency conversion charges or rate variations are the Buyer’s responsibility.

4. Bank Charges

All international bank transfer charges—including intermediary bank fees—must be fully borne by the Buyer.

The exporter must receive the full invoice amount, net of all charges.

If underpayment occurs due to deductions, the Buyer must send the balance before processing begins.

5. Payment Timeline

Full payment must be made:

  • Within the validity period of the Proforma Invoice

  • Before production or dispatch

  • Before documentation is initiated

If payment is delayed beyond validity:

  • Pricing may change

  • Goods may be re-allocated

  • Lead times may be affected

6. Order Confirmation

An order is considered confirmed only after:

  1. Buyer accepts the PI in writing, and

  2. Full payment is received and credited to our bank account.

Quotation alone does not confirm or reserve goods.

7. Payment Verification

After receiving payment, we verify:

  • Bank confirmation

  • Transaction ID

  • Correct amount received

  • Sender details (must match Buyer or authorized party)

Once verified, we send an Order Confirmation Email.

8. Payment for Samples

Sample orders (1–5 kg):

  • Must be prepaid 100%

  • Non-refundable

  • Dispatched via express courier

  • Not eligible for cancellation or replacement

9. Payment Failure or Discrepancies

If a payment is:

  • Delayed

  • Rejected

  • Reversed

  • Held for compliance checks

Farmora Exports is not responsible for delays in order processing.

Buyers must ensure their bank meets all international compliance requirements.

10. No Credit Terms

As a merchant exporter, we do not offer:

  • Credit terms

  • Net 20, Net 30, Net 60

  • Post-shipment credit

  • Consignment-based sales

All orders are prepaid.

11. Fraud Prevention

For security:

  • We do not share bank details via WhatsApp

  • We do not accept payments to third-party accounts

  • Updated bank information is always provided on the official PI only

Buyers must verify account details before transferring funds.

Farmora Exports is not responsible for payments sent to incorrect accounts shared through unauthorized sources.

12. Contact for Payment Assistance

For payment-related queries:

Farmora Exports
📧 sales@farmoraexports.in
📍 Mumbai, India