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Frequently Asked Questions
General Questions
Q1. What is Hafma?
Hafma is a digital platform where users pay for offline purchases at stores via our secure portal, redeem Hafma Points, and get cashback.
Q2. Do I need to buy products online?
No. You buy products directly from the store. Hafma is used to make payment online.
Q3. Is Hafma a marketplace or seller?
No. Hafma doesn’t sell any products. It only facilitates the payment and loyalty system between customer and store.
Payment & Points
Q4. How do I pay at a store using Hafma?
Visit store → pick product → open Hafma portal → select store → enter bill amount → apply Hafma Points → pay online.
Q5. Can I apply Hafma Points directly?
Yes, Hafma Points can be redeemed instantly at the time of payment.
Q6. Who gives me the bill or invoice?
You receive the bill from the store. Hafma does not issue any product invoices.
Bill Upload & Verification
Q7. Why do I need to upload a bill?
Uploading ensures your purchase is genuine. Verification triggers payment settlement and cashback.
Q8. What happens after I upload the bill?
Our team verifies it. If approved:
- The store is paid.
- Hafma gets its commission.
- You receive cashback (if applicable).
Razorpay & Security
Q9. Is my payment secure?
Yes. Razorpay is PCI-DSS certified and ensures 100% secure transactions.
Q10. How is payment settled?
Once your bill is verified, Hafma distributes the payment to the store, takes commission, and sends cashback to you.
Q11. What if my bill is not accepted?
We'll contact you for clarification. If needed, a refund process can be initiated.
For Stores
Q12. How do stores benefit?
Increased visibility, more footfall, and secure payments through Hafma's platform with transparent settlement.
Q13. When do stores receive payment?
After Hafma verifies the bill, payment is automatically processed to the store's account.
