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Kafuche
Kafuche

At Kafuche, we aim to make payments smooth, secure, and fair for everyone. This Payment Policy explains how payments work, what fees apply, how refunds and disputes are handled, and more. We’re committed to protecting your money and keeping things clear.

Payment Methods & Processing

Accepted Payment Methods

Customers can pay using:

  • Credit/Debit Cards: Visa, Mastercard, UnionPay.

  • Digital Wallets: Khalti, eSewa, Fonepay.

  • E-banking

Third-Party Processors

We partner with trusted payment gateways like Khalti and eSewa to handle transactions securely. These processors follow global security standards to keep your payment details safe.

Currency & Localization

  • All prices are in Nepalese Rupees (NPR).

  • For international cards, your bank may apply a currency conversion fee—we’ll show the estimated NPR amount at checkout.

  • No hidden fees from Kafuche for currency conversion.

 

Order Payments (Customer-Facing)

When Payments Are Charged

  • Online Payments: We pre-authorize your card or wallet at checkout (a temporary hold). The full amount is charged only when your order is confirmed.



Failed Payments

  • If your payment fails (e.g., card declined), we’ll notify you by email/SMS and give you 48 hours to retry with another method.

  • After 48 hours, unprocessed orders are canceled, and you’ll need to place a new order.

Security

  • We’re PCI-DSS compliant, meaning we follow strict rules to protect your payment info.

  • All transactions use SSL/TLS encryption to keep your data safe.

  • We use fraud detection tools (e.g., address verification, CVV checks) to prevent unauthorized purchases.

 

Vendor Payouts & Commissions

Payout Schedule

  • Vendors receive payouts as specified in the Memorandum of Association between Kafuche and the vendor.

  • Payouts cover sales from orders marked “Delivered” in the previous cycle.

Fees & Deductions

  • Platform Commission: Kafuche charges a predefined commission on each sale.

  • Transaction Fees: Payment gateways may deduct 1–4% per sale (passed to vendors). Any deductions for transaction and payment processing, including payment gateway fees and bank transfer charges are passed on to the vendors.

  • Chargeback Penalties: If a customer disputes a transaction and wins, the vendor covers the refund amount.

Payout Methods

  • Bank Transfers: To any Nepali bank account (preferred).

Minimum Payout Threshold

  • Vendors must have a minimum balance of NPR 10,000 to receive a payout. Smaller amounts roll over to the next cycle.

 

Refunds & Returns

Customer Refunds

  • You can request a refund within 7 days of receiving your order if:

    • The product is defective.

    • The wrong item was sent.

  • Refunds are processed within 5–10 business days to your original payment method.

  • Shipping costs are non-refundable unless Kafuche makes an error.

Vendor Responsibility

  • Vendors cover refund costs for defective or incorrect items they supply.

  • Kafuche handles customer-facing refunds and deducts the amount from the vendor’s next payout.

  • If a return is due to Kafuche’s error (e.g., wrong order dispatched), we cover all costs.

Disputed Transactions

  • If you dispute a charge with your bank (a “chargeback”), we’ll investigate and may ask for proof (e.g., delivery confirmation).

  • Vendors must respond to chargeback claims within 7 days with evidence (e.g., product photos, shipping details).

 

Fees & Charges

Customer Fees

  • No extra fees for standard payment methods (cards, wallets).

  • International cards may incur a bank processing fee (charged by your bank, not Kafuche).

Vendor Fees

  • Listing Fees: None—listing products is free.

  • Commission: Predefined in the agreement with the vendors.

  • Payout Processing Fees: Bank transfer fee as per the standard regulation; no fee for Khalti/eSewa.

Taxes

  • Prices include VAT (13%) as required by Nepali law, shown at checkout.

  • Vendors are responsible for reporting their sales tax to the authorities.

 

Dispute Resolution

Escrow for High-Risk Orders

  • For orders above NPR 50,000 or flagged as high-risk (e.g., new customer, international card), we hold funds in escrow until delivery is confirmed.

  • This protects vendors and customers from fraud.

Mediation Process

  • If a customer and vendor disagree (e.g., over a defective item), Kafuche steps in:

    1. Contact us at support@kafuche.com.

    2. We’ll review evidence from both sides (e.g., photos, emails).

    3. A resolution (refund, replacement, or mediation) is proposed within 7 days.

  • Our decision is final but fair, based on this policy.

Chargeback Policy

  • Customers have 60 days from purchase to file a chargeback with their bank.

  • Vendors must provide evidence (e.g., tracking info) within 7 days of a claim.

  • If a chargeback is upheld, the vendor’s payout is adjusted accordingly.

 

Fraud Prevention

We take fraud seriously to protect everyone:

  • Verification Steps:

    • Address verification for all orders.

    • CVV checks for card payments.

    • ID verification for orders above NPR 100,000 (e.g., a photo of your ID).

  • Our Right to Cancel: We may cancel suspicious transactions (e.g., mismatched billing/shipping addresses) and notify you immediately.

  • Vendors must report suspicious customer behavior (e.g., repeated returns) to Kafuche.

 

Policy Updates

We may update this Payment Policy to reflect new features, laws, or payment methods. If we do:

  • The new version will be posted on our website.

  • We’ll email customers and vendors about major changes at least 7 days in advance.

  • Check the “Last Updated” date above for the latest version.

 

Contact Information

For payment-related questions or issues:

  • Email: support@kafuche.com

  • Phone: +977-9801180294 (9 AM–5 PM NPT)

  • Address: Kafuche Pvt. Ltd., Samakhusi, Kathmandu, Nepal

We’ll respond within 72 hours to resolve your concerns.