Our Payment Commitment
At Indiemo, we prioritize secure, convenient, and transparent payment processes for all our valued customers across India. This comprehensive payment policy outlines our accepted payment methods, security measures, refund procedures, and terms of service in accordance with Indian banking regulations and RBI guidelines.
Accepted Payment Methods
We offer multiple payment options to ensure convenience and accessibility for customers across India
Credit & Debit Cards
- Visa, Mastercard, RuPay - All major credit and debit cards accepted
- EMI Options - 3, 6, 9, 12, 18, 24 months EMI available
- No Cost EMI - Available on select cards and products
- Instant Processing - Real-time payment verification
Net Banking
- All Major Banks - SBI, HDFC, ICICI, Axis, Kotak, and 50+ banks
- Secure Gateway - Direct bank authentication
- Real-time Processing - Instant payment confirmation
- Transaction Limits - As per your bank's online transaction limits
Buy Now Pay Later
- Simpl - Pay in 15 days without interest
- LazyPay - Monthly billing cycle
- ePayLater - 14-day credit period
- Eligibility - Based on credit assessment
UPI & Digital Wallets
- UPI - PhonePe, Google Pay, Paytm, BHIM UPI
- Digital Wallets - Paytm, Mobikwik, FreeCharge, Amazon Pay
- Instant Payments - Immediate order confirmation
- Cashback Offers - Regular promotional offers available
EMI and No-Cost EMI
- Major Banks - SBI, HDFC, ICICI, Axis, Kotak, and listed banking partners
- Minimum order value: ₹3,000 for EMI options
- Available tenure: 3, 6, 9, 12, 18, 24 months
- Instant EMI approval for eligible cards
Cash on Delivery (COD)
- All Major Banks - SBI, HDFC, ICICI, Axis, Kotak, and 50+ banks
- Secure Gateway - Direct bank authentication
- Real-time Processing - Instant payment confirmation
- Transaction Limits - As per your bank's online transaction limits
Payment Security & Compliance
Your payment security is our top priority. We implement multiple layers of security to protect your financial information
🛡️
SSL Encrypted
256-bit Encryption
✅
PCI DSS
Level 1 Certified
🏛️
RBI Compliant
Indian Regulations
🔐
3D Secure
OTP Verification
Security Features
🔐
Two-Factor Authentication
OTP verification for all card transactions as per RBI guidelines
🔍
Fraud Detection
Advanced fraud detection systems monitor all transactions
🛡️
Tokenization
Card details are tokenized and never stored on our servers
📊
Real-time Monitoring
24/7 transaction monitoring for suspicious activities
Pricing Transparency & Additional Charges
We believe in complete price transparency. Here's a breakdown of any additional charges that may apply
| Payment Method | Processing Fee | EMI Charges | Processing Time | Refund Time |
| Credit/Debit Cards | Free | As per bank rates | Instant | 5-7 business days |
| UPI | Free | N/A | Instant | Instant |
| Net Banking | Free | N/A | Instant | 3-5 business days |
| Digital Wallets | Free | N/A | Instant | Instant to wallet |
| Cash on Delivery | ₹49 (orders < ₹500) | N/A | On delivery | 7-10 business days |
| BNPL Services | Free | As per provider | Instant | As per original method |
Refund Scenarios
Order Cancellation: Full refund if cancelled before dispatch
Product Return: Refund as per return policy (7-15 days)
Defective Products: Immediate refund/replacement
Non-delivery: Full refund including shipping charges
Partial Cancellation: Proportionate refund for cancelled items
Payment Issues & Resolution
Common Payment Issues and solutions
If your payment fails but the amount is debited from your account:
- The amount will be auto-refunded within 5-7 working days
- Contact customer support with transaction ID for faster resolution
- Keep transaction SMS/email as proof
- No manual intervention required in most cases
If you're not receiving OTP for card verification:
- Check your mobile number registered with the bank
- Ensure your phone has network connectivity
- Wait for 2-3 minutes before requesting new OTP
- Contact your bank if issue persists
EMI availability depends on several factors:
- Minimum order value should be ₹3,000
- Your card should be EMI enabled by the bank
- Sufficient credit limit should be available
- Contact your bank to enable EMI facility
If your UPI payment is showing as pending:
- Wait for 10-15 minutes for auto-resolution
- Check UPI app for transaction status
- If debited, amount will be refunded automatically
- Contact us with UPI transaction ID if needed
Legal Compliance & Regulations
Regulatory Compliance:
- Reserve Bank of India (RBI): All payment processing complies with RBI guidelines
- Information Technology Act, 2000: Data protection and cybersecurity compliance
- Foreign Exchange Management Act (FEMA): For international transactions
- Goods and Services Tax (GST): Proper GST calculation and compliance
- Consumer Protection Act, 2019: Customer rights and protection measures
Data Security Compliance:
- PCI DSS Level 1 certification for card data security
- ISO 27001 certification for information security management
- CERT-In guidelines for cybersecurity
- RBI tokenization norms for card storage