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Don’t hand over your money and hope for the best. When you pay via Searchumrah, your payment is held by Razorpay, an RBI-authorised payment aggregator, and released to the travel agent only after your departure — never the moment you pay. Searchumrah takes no custody of your money and charges you zero commission. And it’s always optional — you can pay the agent directly if you prefer.
An honest breakdown of what the protection does — and, just as importantly, what it doesn’t. For the full, binding detail, see our Refund & Cancellation Policy.
When you pay via Searchumrah, your money is collected and held by Razorpay — an RBI-authorised payment aggregator — not by the agent and not by Searchumrah. We never take custody of your money.
The agent receives their share after your departure, not the moment you pay. Your money is not sitting with an agent for weeks before your trip — which removes the single biggest risk of paying in full upfront.
If a booking is cancelled while the funds are still held, an eligible refund — set by the agent’s published cancellation policy — is returned to your original payment method (card, UPI or netbanking).
Card, UPI, netbanking and no-cost / standard EMI are all supported through Razorpay’s secure checkout. We never see or store your card number, UPI PIN or bank credentials.
You pay the package price — the protection itself costs you nothing extra. And you can always choose to pay the agent directly instead; the choice is always yours.
We onboard only agents with a genuine, multi-year track record, and we verify their identity, business and contact details before publishing their listings. This lowers the chance of a fly-by-night operator — though no marketplace can eliminate risk entirely.
An honest note. Holding your money until departure removes the single biggest risk — paying in full upfront and the agent disappearing before your trip. It is not an insurance policy or a guarantee against every dispute, and it does not override the agent’s cancellation terms. Read the agent’s policy on the package page before you pay, and keep your booking confirmation.
Straight answers on how your money is kept safe when you book on Searchumrah.
Yes. When you choose "Pay via Searchumrah", your payment is held by Razorpay, an RBI-authorised payment aggregator, and released to the travel agent only after your departure — not when you pay. Searchumrah never takes custody of your money and charges you no commission or fee.
No. Searchumrah is not a payment custodian. Your money is held by Razorpay, a licensed RBI-authorised aggregator, in line with Indian payment-aggregator rules. The agent’s share is transferred to them only after you travel.
For payments made via Searchumrah, the agent’s share is held until your departure day and released to them afterwards — so an agent cannot take your full payment weeks in advance and disappear before the trip.
If you paid via Searchumrah and cancel while the funds are still held, an eligible refund is returned to your original payment method. The refundable amount is set by the agent’s published cancellation policy for that package, less the payment processor’s ~2% fee, which Razorpay does not return on a refund. Everything is shown to you before you pay.
No. Paying via Searchumrah (with money held until you travel) is optional. You can always pay the agent directly using their contact details. If you pay directly, that transaction is between you and the agent, on the agent’s own terms.
No. Searchumrah charges pilgrims nothing — no commission, no booking fee, no markup. Agents keep 100% of the package price. Searchumrah earns only from the subscription agents pay to list on the platform.
Searchumrah does not open listings to anyone who signs up. We onboard only agents with a genuine multi-year track record and verify their identity, business and contact details before publishing their listings. This significantly lowers — though does not fully eliminate — the risk of encountering a fraudulent operator.
Browse live packages from verified agents, or read the full policy detail before you pay.