Triwalk Tours offers users an option to complete payments for bookings through various methods, including but not limited to Net Banking and Mobile Banking.

1. Net Banking

2. Mobile Banking

3. UPI

4. RAZOR PAY LINKS

1. Net Banking:

Net Banking, also known as online banking, which allows users to make payments directly from their bank accounts through a secure web portal provided by their bank.

Process:

1. Selection: During the checkout process, select the "Net Banking" option as your mode of payment.

2. Bank Choice: Choose your bank from the list of available Banks.

3. Login: You will be redirected to your bank’s secure login page.

4. Authorization: Log in with your credentials and authorize the payment.

5. Confirmation: Upon successful authorization, by Bank you will be redirected back to Triwalk Tours website with the payment confirmation.

6. Triwalk Tours ensures that all transactions conducted through Net Banking are secure and encrypted. However, users are advised to use secure networks and follow best practices for online security.

2. Mobile Banking:

Mobile Banking allows users to make payments using their bank’s mobile application installed on their smartphones or tablets.

Process:

1. Selection: During the checkout process, select the "Mobile Banking" option as your mode of payment.

2. Bank Choice: Choose your bank from the available list.

3. Redirection: You will be redirected to a secure payment gateway or prompted to open your mobile banking app.

4. Authorization: Complete the payment by logging into your mobile banking app and authorizing the transaction.

5. Confirmation: You will receive a confirmation of the transaction on both the Triwalk Tours platform and your mobile banking app.

6. Triwalk Tours employs encryption and secure protocols to protect transactions made through Mobile Banking. Users should ensure their mobile devices are protected with strong passwords and up-to-date security features.

3. UPI Related Terms And Conditions:

1. Triwalk Tours acts as a Third Party Application Provider (TPAP) under UPI.

2. The Company pleased to offer the convenience of UPI (Unified Payments Interface) as a payment option. When User chooses UPI as their payment method during checkout, User will be presented with a list of participating banks. This allows the User to select the preferred bank and complete the payment securely and efficiently through existing banking app.

3. With UPI, the User can enjoy a seamless transaction experience. Simply choose UPI at checkout, select their bank from the list provided, and proceed to make the payment directly through their bank’s UPI app. This integration ensures that the User can use your familiar banking interface for a smooth and hassle-free payment process.

4. In case the user face any issue related to UPI payment then user need to contact their Bank.

GENERAL TERMS PERTAINING TO THE USE OF UPI

1. Roles & Responsibilities of NPCI (National Payments Corporation of India):

1. NPCI owns and operates the Unified Payments Interface (UPI) platform.

2. NPCI prescribes rules, regulations, guidelines, and the respective roles, responsibilities and liabilities of the participants, with respect to UPI. This also includes transaction processing and settlement, dispute management and clearing cut-offs for settlement.

3. NPCI approves the participation of Issuer Banks, PSP Banks, Third Party Application Providers (TPAP) and Prepaid Payment Instrument issuers (PPIs) in UPI.

4. NPCI provides a safe, secure and efficient UPI system and network.

5. NPCI provides online transaction routing, processing and settlement services to members participating in UPI.

6. NPCI can, either directly or through a third party, conduct audit on UPI participants or call for data, information and records, in relation to their participation in UPI.

7. NPCI provides the banks participating in UPI access to system where they can download reports, raise chargebacks, update the status of UPI transactions etc.

2. Roles & responsibilities of PSP Bank (Payment Service Provider):

1. PSP Bank is a member of UPI and connects to the UPI platform for availing UPI payment facility and providing the same to the TPAP which in turn enables the end-user customers / merchants to make and accept UPI payments.

2. PSP Bank, either through its own app or TPAP’s app, on-boards and registers the end-user customers on UPI and links their bank accounts to their respective UPI ID.

3. PSP Bank is responsible for authentication of the end-user customer at the time of registration of such customer, either through its own app or TPAP’s app.

4. PSP Bank engages and on-boards the TPAPs to make the TPAP’s UPI app available to the end-user customers.

5. PSP Bank has to ensure that TPAP and its systems are adequately secure to function on UPI platform.

6. PSP Bank is responsible to ensure that UPI app and systems of TPAP are audited to safeguard security and integrity of the data and information of the end-user customer including UPI transaction data as well as UPI app security.

7. PSP Bank has to store all the payments data including UPI Transaction Data collected for the purpose of facilitating UPI transactions, only in India.

8. PSP Bank is responsible to give all UPI customers an option to choose any bank account from the list of Banks available on UPI platform for linking with the customer’s UPI ID.

9. PSP Bank is responsible to put in place a grievance redressal mechanism for resolving complaints and disputes raised by the end-user customer.

3. Roles & responsibilities of TPAP (Third Party Application Provider):

1. TPAP is a service provider and participates in UPI through PSP Bank.

2. TPAP is responsible to comply with all the requirements prescribed by PSP Bank and NPCI in relation to TPAP’s participation in UPI.

3. TPAP is responsible to ensure that its systems are adequately secure to function on the UPI platform.

4. TPAP is responsible to comply with all applicable laws, rules, regulations and guidelines etc. prescribed by any statutory or regulatory authority in relation to UPI and TPAP’s participation on the UPI platform including all circulars and guidelines issued by NPCI in this regard.

5. TPAP has to store all the payments data including UPI Transaction Data collected by TPAP for the purpose of facilitating UPI transactions, only in India.

6. TPAP is responsible to facilitate RBI, NPCI and other agencies nominated by RBI/ NPCI, to access the data, information, systems of TPAP related to UPI and carry out audits of TPAP, as and when required by RBI and NPCI.

7. TPAP shall facilitate the end-user customer with an option to raise grievance through the TPAP’s grievance redressal facility made available through TPAP’s UPI app or website and such other channels as may be deemed appropriate by the TPAP like email, messaging platform, IVR etc.

IV.  End User customer:

1. End-user customer can select the relevant UPI transaction and raise a complaint in relation thereto.

2. A complaint shall be first raised with the relevant TPAP in respect to all UPI related grievances / complaints of the end-user customers on-boarded by the PSP Bank / TPAP (if the UPI transaction is made through TPAP app). In case the complaint / grievance remains unresolved, the next level for escalation will be the PSP Bank, followed by the bank (where the end-user customer maintains its account) and NPCI, in the same order. After exercising these options, the end-user customer can approach the Banking Ombudsman and / or the Ombudsman for Digital Complaints, as the case may be.

3. The complaint can be raised for both the types of transactions i.e. fund transfer and merchant transactions.

4. The end-user customer shall be kept communicated by the PSP / TPAP by means of updating the status of such end-user customer’s complaint on the relevant app itself.

ADDITIONAL CHARGES/ COMMISSIONS

Triwalk Tours strives to provide transparent pricing for all its services. This section outlines the potential additional charges and commissions that may apply to your bookings and transactions through our platform.

Booking Fees: Triwalk Tours may charge a service fee for processing bookings and reservations. This fee is typically included in the total amount displayed during the booking process. The amount of the service fee can vary based on the type of service (e.g., flights, hotels, holiday packages) and will be clearly disclosed before finalizing your transaction.

Payment Gateway Fees: Certain payment methods may incur additional charges related to payment processing. These fees are applied by payment gateway providers and are subject to change. Any applicable payment gateway fees will be displayed during the check-out process.

Triwalk Tours may earn a commission from suppliers (such as airlines, hotels, or car rental companies) for bookings made through our platform. This commission is included in the total price and is not separately itemized for users.

In addition to supplier commissions, Triwalk Tours may also earn commission from third-party service providers whose services are offered through our platform. Such commissions are part of the service price and are not separately disclosed to users.

Additional Charges:

1. All applicable taxes, surcharges, and other governmental charges are additional and will be included in the final amount payable. These charges vary based on the location of the service and are subject to change based on regulatory requirements.

2. Fees may apply if you modify or cancel your booking. These fees are determined by the service provider’s policies and will be communicated at the time of booking or through Triwalk Tours’ customer support.

3. In the event of a refund or adjustment to your booking, the service fees and commissions already incurred will be deducted from the refund amount, where applicable. Refund policies are subject to the terms and conditions of the specific service provider.

4. Triwalk Tours is committed to providing clear and transparent information regarding all charges and commissions. Any changes to the fee structure or additional charges will be communicated to users through updates on the Triwalk Tours website and/ or app.

5. For any disputes regarding additional charges or commissions, users are encouraged to contact Triwalk Tours’ customer support team for resolution. We strive to address and resolve such issues promptly and fairly.

PROCESS TO APPLY FOR BOOKING AND PAYMENT TERMS AND CONDITIONS

1. Booking Process

STEP-1: Browse: Users can browse various travel services including flights, hotels, car rentals, and holiday packages through the Triwalk Tours’ website or mobile app.

STEP-2: Choose Services: Select the desired service based on your travel needs and preferences, including dates, destinations, and accommodation options.

STEP-3: Enter Booking Information: Input necessary details such as traveler information, preferences, and any special requirements.

STEP-4: Review Selection: Review the selected services and booking details to ensure accuracy.

STEP-5: Availability Check: Triwalk Tours will verify the availability of the selected service and provide confirmation or alternative options if the service is unavailable.

STEP-6: Booking Confirmation: Once availability is confirmed, proceed to payment.

STEP-7: Now, choose Payment Method

STEP-8: Available Options: Select a payment method from the options available, including credit/debit cards, net banking, or mobile banking.

Enter Payment Details: Provide the required payment information as per the chosen payment method.

STEP-9: Complete Payment: Authorize the payment through your selected method.

STEP-10: Confirmation: Upon successful payment, you will receive an electronic booking confirmation, including a reference number and detailed booking information.

2. Payment Terms and Conditions

1. Accuracy of Information:

User Responsibility: It is your responsibility to provide accurate information during the booking process. Any inaccuracies may affect your booking and could result in additional charges or complications. Notify Triwalk Tours immediately if you discover any errors or discrepancies in your booking details.

2. Booking Confirmation:

Immediate Confirmation: Booking confirmation is contingent upon successful payment and service availability.

Unconfirmed Bookings: If a booking cannot be confirmed due to service unavailability or other reasons, Triwalk Tours will notify you accordingly and refunds/ cancellation will be done as per company policy.

3. Changes and Cancellations:

Service Provider Policies: Changes or cancellations are subject to the terms and conditions of the service provider and Triwalk Tours’ cancellation policy. You may incur fees for changes or cancellations as specified by the service provider. These will be communicated at the time of booking as per terms and conditions specified in user agreement.

4. Refunds and Cancellation: