How HDFC Bank SmartGateway processes your MakrX orders

MakrX partners with HDFC Bank SmartGateway as our payment gateway to securely collect payments for store orders, subscriptions, event tickets, and makerspace bookings. When you continue to pay, you are redirected to a bank-hosted payment page where the transaction is authorised, which may include card tokenisation as permitted by RBI regulations.

All payment pages are protected with TLS 1.2 or higher and conform to PCI DSS requirements. Sensitive card information never touches MakrX infrastructure and is captured directly on the bank-hosted payment page.

• Supported instruments include credit and debit cards, net banking, and UPI as enabled by HDFC Bank SmartGateway.
• Orders are confirmed only after the gateway reports the payment as successful. Pending or failed payments are automatically cancelled within 24 hours.
• Invoices and GST-compliant receipts are generated once the gateway confirms the payment.

Authorisations, settlements, and platform fees

Certain orders may trigger a pre-authorisation on your card. The exact amount will be displayed before you approve the payment and will not exceed the total shown on the checkout screen.

MakrX service fees and any applicable taxes are calculated by us, while the bank may levy gateway charges to Botness Technologies Private Limited as the merchant of record. You will never be charged hidden fees by the gateway directly.

• Settlement timelines follow HDFC Bank SLAs for domestic cards, UPI, and net banking.
• Any chargebacks raised with your issuing bank are routed through the bank’s dispute process. We will cooperate fully to provide supporting documentation.

Compliance, fraud monitoring, and audit trail

MakrX and HDFC Bank maintain fraud monitoring controls. Transactions may be temporarily held if the bank’s risk systems request additional verification, and you may be asked to complete 3-D Secure authentication for card payments.

We retain gateway transaction references and invoice PDFs for a minimum of seven (7) years to meet Indian accounting, GST, and RBI compliance requirements.

• Suspicious payments can be reported to payments@makrx.org. We will escalate cases to the bank within 24 business hours.
• Audit logs are accessible to regulatory authorities upon request and subject to NDAs where applicable.

Need help with a payment?

If you encounter charges you do not recognise, double debits, or payment timeouts, reach out to us with your MakrX order number and the gateway order reference shown on your confirmation page or email. This helps us coordinate quickly with the bank’s support team.

For older disputes the bank may require additional identification from the customer. MakrX support will guide you through the process and keep you informed of the resolution timeline.