Payment Architecture & Flow

Transaction Flow

Complete transparent overview of how donations and seva offerings are initiated, securely authorized, and receipted at ISKCON Wave City.

Official Document ยท ISKCON Wave City
Effective: October 2024
Transparent, Secure & Seamless Giving

ISKCON Wave City operates with the highest standards of financial transparency and data integrity. Every transaction processed through our digital portal follows a strictly monitored, 6-step lifecycle in compliance with Reserve Bank of India (RBI) guidelines and the Information Technology Act.

Step-by-Step Transaction Lifecycle

6 Simple Steps
01

Select Sacred Seva or Donation

Choose your devotional offering or specify custom amount

  • Browse through our devotional seva categories: Food for Life Anna Daan, Gau Seva, Mandir Nirman, Gita Daan, Nitya Seva, or Deity Puja.
  • Select a predefined offering tier (e.g., โ‚น501, โ‚น1,100, โ‚น2,100, โ‚น5,100, โ‚น11,000) or enter any open custom contribution (minimum โ‚น1).
  • Click 'Donate Now' or 'Proceed to Checkout' to initiate the offering.
02

Provide Devotee & 80G Tax Details

Accurate details ensure seamless communication & tax receipts

  • Enter your Full Name, Mobile / WhatsApp Number, and Email Address.
  • Optionally enter your PAN (Permanent Account Number) and Postal Address to generate an official Section 80G Tax Exemption Receipt.
  • For special pujas or festival sevas, provide your Gotra and family prayer intentions (Sankalpa).
  • Review your contribution summary before moving to the payment screen.
03

Choose Preferred Payment Mode

Multiple flexible, 100% verified Indian payment options

  • Option A โ€” ICICI Bank Payment Gateway: Pay online via UPI (GPay, PhonePe, Paytm), Credit Cards, Debit Cards, or Net Banking from all Indian banks.
  • Option B โ€” Direct Temple UPI: Scan the official temple ICICI QR code or send to 'iskconrajnagar@icici' and submit your 12-digit UTR reference.
  • Option C โ€” Direct Bank Transfer: Transfer via NEFT / RTGS / IMPS directly to our official HDFC Bank current account.
04

256-Bit Encrypted Bank Authorization

High-security multi-factor authentication with your bank

  • For ICICI Gateway transactions, your browser is redirected via a secure SHA-256 encrypted payload to the bank's PCI-DSS Level 1 payment interface.
  • You complete multi-factor authentication securely through your bank's One-Time Password (OTP) or UPI MPIN.
  • No card details or passwords ever touch or reside on the ISKCON Wave City server.
05

Instant Confirmation & 80G Receipt Issuance

Immediate transaction confirmation & downloadable receipt

  • Upon successful authorization, the bank sends an instantaneous confirmation code (R1000) to our system.
  • You are redirected to the Success Page displaying your Temple Transaction ID, Merchant Reference, and date/time.
  • A digitally signed 80G donation receipt is generated immediately for instant PDF download.
  • An automated confirmation with the receipt copy is dispatched to your registered Email and WhatsApp.
06

Seva Execution & Post-Payment Support

Your seva is fulfilled and recorded in temple records

  • Your offering is dedicated in the sanctum sanctorum during morning prayers and deity aartis.
  • In case of a bank network timeout where funds were debited without gateway confirmation, automated webhook reconciliation confirms the status within 15โ€“30 minutes.
  • Our temple accounts desk (+91 63960 75703) provides dedicated assistance for any transaction inquiry.

Supported Payment Instruments & Gateways

UPI (Unified Payments Interface)

Instant zero-fee transfer via Google Pay, PhonePe, Paytm, BHIM, or any UPI app. Supports QR scanning and deep-linking.

Debit & Credit Cards

All major domestic Visa, MasterCard, RuPay, and Maestro cards processed via ICICI Bank's secure 3D-Secure 2.0 verification.

Net Banking & Direct NEFT

Internet banking across 50+ major Indian banks or direct RTGS / NEFT / IMPS transfers to temple's official HDFC current account.

Handling Failed or Pending Transactions

Occasionally, due to bank server timeouts, telecom disruptions, or unexpected session drops, a transaction may be debited from your account without the website immediately showing a success screen.

How we protect you in such events:
  1. Automatic Server Webhooks: Our backend continually polls and receives asynchronous notifications from ICICI Bank. Once the bank confirms settlement, your 80G receipt is dispatched automatically.
  2. Unsettled Debits: If the bank does not settle the transaction, the debited amount is reversed by your issuing bank back to your account within 3 to 5 working days as per RBI guidelines.
  3. Manual Reconciliation: You can WhatsApp your transaction screenshot or bank UTR to +91 63960 75703 and our accounts team will verify and issue your receipt manually within 24 hours.
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