Payments Policy
Payments
How do I pay for a DAKSONMART purchase?
DAKSONMART offers you multiple payment methods. Whatever your online mode of payment, you can rest assured that DAKSONMART’s trusted payment gateway partners use secure encryption technology to keep your transaction details confidential at all times.
You may use Internet Banking, Gift Card, Cash on Delivery and Wallet to make your purchase.
DAKSONMART also accepts payments made using Visa, MasterCard, Maestro and American Express credit/debit cards in India and USA.
Are there any hidden charges (Octroi or Sales Tax) when I make a purchase on DAKSONMART?
There are NO hidden charges when you make a purchase on DAKSONMART. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay.
What is Cash on Delivery?
If you are not comfortable making an online payment on DAKSONMART.com, you can opt for the Cash on Delivery (C-o-D) payment method instead. With C-o-D you can pay in cash at the time of actual delivery of the product at your doorstep, without requiring you to make any advance payment online.
The maximum order value for a Cash on Delivery (C-o-D) payment is ₹50,000. It is strictly a cash-only payment method. Gift Cards or store credit cannot be used for C-o-D orders. Foreign currency cannot be used to make a C-o-D payment. Only Indian Rupees accepted.
How do I pay using a credit/debit card?
We accept payments made by credit/debit cards issued in India and 21 other countries.
Credit cards
We accept payments made using Visa, MasterCard and American Express credit cards.
To pay using your credit card at checkout, you will need your card number, expiry date, three-digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank’s page for entering the online 3D Secure password.
Debit cards
We accept payments made using Visa, MasterCard and Maestro debit cards.
To pay using your debit card at checkout, you will need your card number, expiry date (optional for Maestro cards), three-digit CVV number (optional for Maestro cards). You will then be redirected to your bank’s secure page for entering your online password (issued by your bank) to complete the payment.
Internationally issued credit/debit cards cannot be used for Flyte, Wallet and eGV payments/top-ups.
What is a 3D Secure password?
The 3D Secure password is implemented by VISA and MasterCard in partnership with card issuing banks under the “Verified by VISA” and “Mastercard Secure Code” services, respectively.
The 3D Secure password adds an additional layer of security through identity verification for your online credit/debit card transactions. This password, which is created by
Is it safe to use my credit/debit card on DAKSONMART?
Your online transaction on DAKSONMART is secure with the highest levels of transaction security currently available on the Internet. DAKSONMART uses 256-bit encryption technology to protect your card information while securely transmitting it to the respective banks for payment processing.
All credit card and debit card payments on DAKSONMART are processed through secure and trusted payment gateways managed by leading banks. Banks now use the 3D Secure password service for online transactions, providing an additional layer of security through identity verification.
What steps does DAKSONMART take to prevent card fraud?
DAKSONMART realizes the importance of a strong fraud detection and resolution capability. We and our online payments partners monitor transactions continuously for suspicious activity and flag potentially fraudulent transactions for manual verification by our team.
In the rarest of rare cases, when our team is unable to rule out the possibility of fraud categorically, the transaction is kept on hold, and the customer is requested to provide identity documents. The ID documents help us ensure that the purchases were indeed made by a genuine card holder. We apologise for any inconvenience that may be caused to customers and request them to bear with us in the larger interest of ensuring a safe and secure environment for online transactions.
How can I get the 3D Secure password for my credit/debit card?
You can register for the 3D Secure password for your credit/debit card by visiting your bank’s website. The registration links for some of the banks have been provided below for easy reference:
- State Bank of India ICICI Bank HDFC Bank Punjab National Bank
- Axis Bank Corporation Bank Andhra Bank Bank of Baroda
Standard Chartered India Union Bank of
India Central Bank of India Citibank
Deutsche Bank Dhanlakshmi Bank IDBI Bank Canara Bank
IndusInd Bank Federal Bank Kotak Mahindra
Bank Karur Vysya Bank
Oriental Bank of
Commerce South Indian Bank Vijaya Bank –
Can I use my bank’s Internet Banking feature to make a
payment?
Yes. DAKSONMART offers you the convenience of using your bank’s Internet Banking service
to make a payment towards your order. With this, you can directly transfer funds from your bank
account while conducting a highly secure transaction.
We accept payment through Internet Banking for the following banks:
ABN Amro Bank Axis Bank Allahabad Bank Andhra Bank
Bank of Bahrain and Kuwait
Bank of Baroda Bank of India Bank of Maharashtra
Bank of Rajasthan Central Bank of India Citibank City Union Bank
Corporation Bank Deutsche Bank Development Credit
Bank Dhanlaxmi Bank
Federal Bank HDFC Bank ICICI Bank IDBI Bank
ING Vysya Bank Indian Overseas Bank Indian Bank IndusInd Bank
ABN Amro Bank Axis Bank Allahabad Bank Andhra Bank
Jammu & Kashmir
Bank Karnataka Bank Karur Vysya Bank Kotak Mahindra Bank
Lakshmi Vilas Bank Oriental Bank of
Commerce Punjab National Bank Royal Bank of
Scotland
South Indian Bank Standard Chartered
Bank
State Bank of
Hyderabad State Bank of India
State Bank of Mysore State Bank of
Travancore Syndicate Bank Tamilnad Mercantile
Bank
Union Bank of India United Bank of India Vijaya Bank YES Bank
Can I make a credit/debit card or Internet Banking payment on DAKSONMART through my mobile?
Yes, you can make credit card payments through the DAKSONMART mobile site and
application. DAKSONMART uses 256-bit encryption technology to protect your card
information while securely transmitting it to the secure and trusted payment gateways managed
by leading banks.
How does ‘Instant Cashback’ work?
The ‘Cashback’ offer is instant and exclusive to DAKSONMART.com. You only pay the final
price you see in your shopping cart.
How do I place a Cash on Delivery (C-O-D) order?
All items that have the “Cash on Delivery Available” icon are valid for order by Cash on
Delivery.
Add the item(s) to your cart and proceed to checkout. When prompted to choose a payment
option, select “Pay By Cash on Delivery”. Enter the CAPTCHA text as shown, for validation.
Once verified and confirmed, your order will be processed for shipment in the time specified,
from the date of confirmation. You will be required to make a cash-only payment to our courier
partner at the time of delivery of your order to complete the payment.
Terms & Conditions:
• The maximum order value for C-O-D is ₹50,000
• Gift Cards or Store Credit cannot be used for C-O-D orders
• Cash-only payment at the time of delivery.
What is DAKSONMART’s credit card EMI option?
With DAKSONMART’s credit card EMI option, you can choose to pay in easy installments of 3,
6, 9, 12, 18*, or 24 months* with credit cards from the following banks:
• HDFC
• Citi
• ICICI
• Kotak
• Axis
• IndusInd
• SBI
• Standard Chartered
• HSBC
*18 & 24 months EMI options are available from select banks only. Please refer to the table
below for more details:
Banks Supports 18 & 24 months
tenure
Minimum order value to avail 18 & 24 months
EMI options
HDFC Yes ₹ 10,000
Citi Yes ₹ 10,000
ICICI Yes ₹ 10,000
Kotak Yes ₹ 4,000
Axis Yes ₹ 4,000
IndusInd Yes ₹ 4,000
SBI No NA
Standard
Chartered Yes ₹ 4,000
HSBC No NA
There is NO processing fee charged for availing DAKSONMART’s EMI payment option. On
return or exchange, interest charged by the bank till that time will not be refunded by
DAKSONMART.
You may check with the respective bank/issuer on how a cancellation, refund or pre-closure
could affect the EMI terms, and what interest charges would be levied on you for the same.
Example and Calculations
The table below shows a representative rendering of EMI plans for a Rs 20,000 purchase on
DAKSONMART paid using the EMI payment plan
Tenure
(months)
Loan
amount
Monthly
installment
Bank
interest rate
Total effective
price you pay
Interest paid
to Bank
3 Rs 20,000 Rs 6,800.44 12.00% Rs. 20,401.33 Rs. 401.33
6 Rs 20,000 Rs 3,450.97 12.00% Rs 20,705.80 Rs. 705.80
9 Rs 20,000 Rs 2,344.32 13.00% Rs 21,098.89 Rs. 1,098.89
12 Rs 20,000 Rs 1,786.35 13.00% Rs 21,436.15 Rs. 1,436.15
How do I make a payment using DAKSONMART’s credit card EMI option?
Once you’ve added the desired items to your DAKSONMART shopping cart, proceed with your
order as usual by entering your address. When you’re prompted to choose a payment mode for
your order, select ‘EMI’ & follow these simple steps:
1. Choose your credit-card issuing bank you wish to pay from
2. Select the EMI plan of your preference
3. Enter your credit card details
4. Click ‘Save and Pay’
Please note that the full amount will be charged on your card the day of the transaction.