FotoKrafts
                                               (An Ex-Software Professionals Enterprise)

                Payment Options    
                                               
                                                 
                                                The following payment options are available to customers of  FotoKrafts.  

                                                * Payment by Credit/Debit Cards
                                                   --- We accept Visa, Master, American Express, Discover, PayPal credit/debit cards.
                                                * In future we will accept Diners Club cards at our office desk (not web).
                                                * Payment by Personal Cheque (Cheques payable to FOTOKRAFTS)
                                                   ---  For cheques issued from Bank branches operating in Bangalore, India please
                                                          allow three days for cheque processsing/clearance.
                                                   ---  For cheques 'payable at par' issued from Banks operating anywhere in India
                                                          please allow three days for cheque processing/clearance.
                                                   ---  For Bankers Cheques issued by any Indian Bank OR Demand Drafts issued by
                                                          any Indian Bank please allow three days for cheque processing/clearance.
                                                   ---  For cheques issued from Banks operating in India but outside Bangalore please
                                                          allow two weeks for cheque processing/clearance.
                                                   ---  For cheques issued from Banks operating overseas please allow five weeks for
                                                          cheque processing/clearance
                                                  * EXCLUSIVELY for artleaves.net customers we accept payment via V.P.P/C.O.D (Cash
                                                    on delivery)
                                                
                                                 NOTE 
                                                (a) We prefer not to accept payments in Cash except for small amounts not exceeding
                                                       INR 1000000/-. Foreign Currency will only be accepted in US Dollar, Canada Dollar,
                                                       Australian Dollar, Singapore Dollar, British Pound, Euro.
                                                (b) We do not accept credit/debit card charges over the Phone or by Fax.
                                                (c)  We do not accept cheque payments over the Phone or by Fax.
                               



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