1.Accepted Payment Methods
We provide secure digital checkout options through our partner gateway:
UPI (Recommended)
Instant zero-convenience-fee payments via Google Pay, PhonePe, Paytm, BHIM, or any bank UPI app.
Credit & Debit Cards
Visa, Mastercard, RuPay, and Maestro cards issued by all major Indian commercial and cooperative banks.
Netbanking
Secure direct bank authentication across 50+ Indian commercial banks.
2.No Auto-Debit / No Forced Auto-Renewal
Unlike conventional recurring subscription platforms that bind you to continuous recurring auto-debits, momiq does not auto-renew subscriptions without your explicit authorization.
Each 29-day / 58-meal plan is purchased as an upfront fixed cycle. When your meal entitlement wallet approaches depletion, our app sends gentle reminders so you can review your schedule and renew at your convenience.
3.Payment Gateway & RBI Authorization
All electronic transactions are routed through Razorpay Software Private Limited, an authorized Payment Aggregator licensed by the Reserve Bank of India (RBI).
The payment processing adheres strictly to RBI circulars regarding tokenization, multi-factor authentication (OTP / UPI MPIN), and financial transaction governance.
4.Security Standards & Card Protection
Card processing occurs entirely within the PCI-DSS Level 1 compliant infrastructure of the payment gateway using end-to-end 256-bit TLS/SSL encryption.
5.Transaction Identifiers & Invoicing
Every successful payment generates two critical identification references:
- momiq Order Reference: An internal order reference (visible in your customer payments and billing history).
- Razorpay Payment ID: An official banking gateway transaction ID prefixed with
pay_(e.g.,pay_P0abc123XYZ).
Both references appear on your digital payment confirmation and are automatically sent to your registered email address.
6.Failed Transactions & Bank Reversals
If an amount is debited from your bank account or card but the transaction fails to reflect on momiq (due to network timeout or bank drop-off), the payment aggregator and banking switch will automatically initiate an automatic reversal:
- UPI Reversals: Usually credited back within 24 to 48 hours.
- Card & Netbanking Reversals: Usually credited back within 5 to 7 business banking days as per RBI guidelines.
7.Billing Discrepancies & Support
If your payment was debited and not credited after 48 hours, or if you notice any billing discrepancy, please submit a ticket via our Support Portal or email our billing desk:
pay_...) for rapid lookup.Questions or Clarifications?
If you have questions regarding this policy, need assistance with your subscription, or wish to raise a formal grievance, our customer care team is here to support you.