Payment & Billing Policy
Last Updated: August 1, 2026
1. Accepted Payment Methods
We accept the following payment methods through our secure payment partner, Razorpay:
- Credit Cards: Visa, Mastercard, American Express, RuPay
- Debit Cards: All major banks
- Net Banking: 50+ banks supported
- UPI: Google Pay, PhonePe, Paytm, BHIM, and more
- Wallets: Paytm, Mobikwik, Freecharge, Amazon Pay
- FitPoints: Redeem loyalty points on supplement orders (up to 10% of the order)
2. Payment Security
Your payment information is secure:
- All transactions are processed through Razorpay's PCI-DSS compliant platform
- 256-bit SSL encryption protects your data
- We never store your complete card details
- Two-factor authentication for added security
3. Pricing and Currency
- All prices are in Indian Rupees (₹)
- Prices include applicable GST and taxes
- Prices are subject to change without notice
- The price at checkout is the final price you pay
4. Payment Processing
When you place an order:
- Payment is authorized immediately
- Amount is charged when order is confirmed
- You will receive a payment confirmation email
- Invoice is generated and sent to your email
5. Failed Transactions
If your payment fails:
- Check if amount was debited from your account
- If debited, refund will be processed within 5-7 business days
- Try a different payment method
- Contact your bank if issue persists
- Reach out to our support team for assistance
6. FitPoints Redemption
When using FitPoints:
- 1 FitPoint = ₹1 discount value
- Redeemable on supplement orders only, up to a maximum of 10% of the order's payable amount
- Not redeemable against gym memberships, setup fees, or auto-renewal charges
- Not available on Cash on Delivery orders
- Points are deducted once your payment is confirmed. If payment fails, no points are deducted
- If the order is cancelled or refunded, the points are credited back
- Partial payments: pay the remaining amount via another method
For complete details, see our FitPoints Program Terms.
7. Coupons and Discounts
- Apply coupon code at checkout before payment
- Only one coupon can be used per order
- Coupons cannot be combined with other offers (unless specified)
- Discount is applied before final payment calculation
- Invalid or expired coupons will be rejected
8. Gym Membership Auto-Renewal
Auto-Renewal Authorization: By selecting auto-renewal at checkout, you authorize Total Fitness to automatically charge your payment method at the end of each membership term until you cancel. You can cancel anytime from your account settings.
8.1 How Auto-Renewal Works
- Automatic Billing: Payment is automatically charged 3 days before membership expiry
- Same Payment Method: Uses the payment method from your initial purchase
- Current Pricing: Charged at the current membership price (may differ from original)
- Continuous Access: No interruption in gym access between renewal periods
8.2 Renewal Notifications
- 7 days before: Email reminder with renewal date, amount, and cancellation instructions
- 3 days before: Final notification before payment is processed
- After renewal: Confirmation email with receipt and updated membership dates
8.3 Managing Auto-Renewal
You can manage your auto-renewal settings:
- Cancel anytime: Log in → My Memberships → Cancel Auto-Renewal
- Update payment method: Change card/payment details in account settings
- Cancellation deadline: Must cancel at least 5 days before renewal date
- After cancellation: Current membership remains active until expiry date
8.4 Failed Auto-Renewal Payments
If a renewal payment fails, Razorpay will handle retry attempts according to their payment policies. You may receive notifications from Razorpay about failed payment attempts. You can update your payment method through Razorpay's system. If payment cannot be processed after their retry attempts, your membership will not renew.
8.5 Price Changes
- Membership prices may change over time
- 30-day advance notice provided for any price increases
- New price applies to renewals after notification date
- You can cancel auto-renewal before price increase takes effect
8.6 Important Notes
- Non-Refundable: Auto-renewal charges are non-refundable once processed
- FitPoints: Cannot be used to pay for membership or auto-renewal charges
- Earn Points: You earn FitPoints for each billing cycle while auto-renewal is enabled, credited when that cycle is charged (including the first). Memberships without auto-renewal earn no FitPoints
- Your Responsibility: You are responsible for managing your auto-renewal settings
9. Invoices and Receipts
- Invoice sent to your registered email after payment
- Download invoices from your account dashboard
- GST details included for business purchases
- Request duplicate invoice via customer support
10. Refunds
Refund processing times:
- Credit/Debit Card: 5-7 business days
- UPI/Net Banking: 3-5 business days
- Wallet: Instant
- FitPoints: Instant credit to account
For complete refund policy, see our Refund Policy.
11. Contact Us
Total Fitness Payment Support
Email: support@totalfitness.in