Current release status
The present V1 release supports property and stay requests but does not collect online payment unless a specific checkout screen clearly states otherwise. Never transfer money merely because a message, listing or caller claims to represent Ownbyo.
Planned payment provider
When checkout is introduced, it is planned to use Razorpay or another authorised provider. Available methods may include UPI intent/QR, Google Pay where supported, credit and debit cards, netbanking and selected wallets. Availability depends on device, provider approval, account configuration and applicable rules.
Authorisation and security
Payment credentials are entered into the provider’s secure flow. Ownbyo does not ask for or store CVV, UPI PIN, OTP or internet-banking passwords. A pending debit is not proof of a completed booking; rely on the confirmation and provider reference.
Charges, taxes and receipts
The checkout will itemise the property or stay amount, platform or service fee, cleaning fee, deposit and applicable taxes before authorisation. Users must review the total and recipient. Applicable invoices or receipts will identify the charging party and transaction reference.
Refunds, failed payments and chargebacks
Refund eligibility follows the displayed transaction or stay policy and mandatory law. Approved refunds are sent to the original method; provider and bank timelines apply. Failed or duplicated payments should be reported with the transaction reference. Unjustified chargebacks or payment abuse may lead to restriction, while statutory consumer remedies remain unaffected.
Payment support
Email hello@ownbyo.com or raise a Payment or refund ticket. Share only the provider reference, date, amount and masked method—never a password, PIN, OTP or complete card details.
This product copy is a practical operational policy, not legal advice. Ownbyo should have Indian counsel review it before accepting live transactions or payments.
