Payments Policy
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CREDIT & DEBIT CARDS
We accept VISA, MASTER and AMERICAN EXPRESS Credit Cards issued in India and we accept Debit cards of all banks issued in India. International credit/debit card transactions are also accepted.
We are committed to provide you safe way of transacting online. All your transactions online are protected & secured by SSL (secure socket layer) technology. It encrypts your credit card and relevant information during the entire transaction process. This encryption makes your shopping experience safe and secure.
All Credit card and Debit card payments are processed through secure and trusted payment gateways managed by leading Indian banks and payment gateway service providers. We use the latest 256-bit encryption technology to protect your card information while securely transmitting it for processing the payment.
Print My Fashion does not store Credit / Debit card numbers, CVV / Security Code, Pin for 3D Secure, Expiry date on any of its servers and only collects in a session while making a transaction. The said information may however be stored by Risk Management / Fraud Management Systems of banks/payment gateways with authority to do so. Risk Management / Fraud Management Systems are used for ensuring that payment card frauds are kept to minimum and all necessary information regarding payment cards is secure for you, us and the payment card industry.
PayLater
Offers the same benefits as of a credit card, but with an enhanced one-click payment experience similar to that of a wallet. Additionally, the customer does not need to have a card to avail this option
Provides users Zero Interest digital Credit for a 15-45 day period
We have partnered with these leading issuers : ICICI PayLater, Simpl and ePayLater
Cardless EMI
Cardless EMI is a payment method that allows your customers to convert their payment amount to EMIs, without the need of a Debit or Credit card.
Cardless EMI payments are made via credits approved by the supported Cardless EMI payment partner.
We have partnered with these leading issuers : Zest Money, Early Salary and InstaCred.
(Please note the order amount should be a minimum of Rs 1000)
EMI Payment Option
EMI stands for ‘Equated Monthly Installment’ and this option gives you the flexibility to convert your credit card purchases to monthly installments. With EMI you can pay for your order in monthly installments over a period (depending on the tenure and bank selected) instead of paying all at once. For Example you purchased a product worth 9000 on 3 months EMI then your monthly installment would be Rs. 3000 each spread across 3 months.
EMI payment option is applicable on all purchases worth Rs 5000 and above made on PrintMyFashion.com using applicable credit cards.
EMI schemes are currently available for HDFC, CITI, ICICI, AXIS, HSBC, KOTAK, SBI, Central Bank of India & IndusInd Bank credit cards with option to pay In 3, 6, 9 or 12 months EMI tenure plan. Upon successful completion of an order with EMI option, the EMI policy usage and terms and conditions of respective banks will be applicable. Any communication related to an ongoing EMI scheme should be addressed to the card issuing bank.
Cash-on-Delivery (COD) Order
To ensure social distancing during COVID Pandemic, we have temporarily suspended the option for COD for all order until further notice.
When prompted to choose a Payment Option, select “Pay By Cash-on-Delivery”.
Once confirmed the order will be processed for shipment in the time specified, from the date of confirmation.
You will be required to make a Cash payment (no cheque or DD will be accepted) to our Courier Partner at the time of delivery.
For Cash on Delivery orders packages cannot be opened until complete payment has been made to the Print My fashion representative.
What Payment Methods are Accepted?
- Debit Card
- Net Banking
- Online Account Transfer
- UPI/Wallets
- QR Codes
- Invoice Direct link Payments for Bulk Orders
- Cash on Delivery
- EMI on Credit cards.
Debit Card EMI
Customers having HDFC Debit cards can avail these services along with following benefits:
No down payment & blocking of funds
Zero documentation & no additional processing fee
Flexible EMI tenures ranging from 3 to 24 months
No more branch visit/calling customer care for EMI conversion
(Please note the order amount should be a minimum of ₹5000)
Bank interest rates and calculation
RBI has mandated banks to take a nominal charge on EMI services. This charge will be collected by banks over the EMI tenure Note: This charge is collected by Issuing Bank and not by the merchant.
This is an annual charge and is calculated on the outstanding balance. You will see this charge in the monthly bill cycle as defined by the bank.
Below table shows the annual rate of interest basis the EMI tenure on reducing balance.
For terms and conditions applicable to transactions made with individual banks, visit:
- HDFC Bank:- http://www.hdfcbank.com/personal/products/cards/loan-on-credit-card/smartemi
- CITI Bank :- https://www.online.citibank.co.in/card-offers/exciting-emi-programmes.htm
- ICICI Bank :- http://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Credit-Card/special-offers/Instant-EMI.html
- Axis Bank :- http://www.axisbank.com/personal/cards/quick-links/do-more-with-your-card/credit-card/convert-purchases-into-EMIs.aspx
- IndusInd Bank :- http://www.indusind.com/offers-and-terms-and-conditions/loans-offers-and-tnc/indus-easy-emi-tnc.html
- HSBC :- http://www.hsbc.co.in/1/2/personal/credit-cards/instant-emi
- Central Bank of India :- https://www.myloancare.in/home-loan-emi-calculator/central-bank-of-india
Refund of Payment
If you have selected Cash on Delivery and order has not been delivered, there is no amount to refund because you haven’t paid for your order
For refund of payments made using a Credit Card, Debit Card, Net Banking, or EMI, please refer the refund policy.
If you would like a refund to your bank account/credit card, the same will be processed by bank/payment gateway within 15 working days of initiating refund request. Payments made through Cash on Delivery will be processed within 15 working days of receiving the Bank Details from you.
Refunds pertaining to product(s) which have been returned will be credited, once the product is received at our facility and we have completed all quality checks and verifications at our end.
For payments made through any of the wallet gateways like Paytm, MobiKwik etc., the amount will be refunded to the to your original mode of payment.
How Safe are your online Payments?
Razorpay are a technology-first online payments company and online payment security is in their DNA. We understand the assurance of secure payments is one of the primary drivers behind the choice of a payment gateway.
With the growing number of e-commerce users and transactions in India,, it is important that we are all aware of the mandatory security protocols for e-commerce websites; so that we can avoid fraudulent situations. As the saying goes, prevention is better than cure.
Razorpay follows the following security protocols and processes every time you transact online.
- TLS Encryption
- PCI-DSS Compliance
- Tokenization
- Two-Factor Authentication
- Fraud Prevention
Always remember that:
Anyone of importance will never ask for your card data/passwords up front. Banks and financial service providers have a safe protocol to gain admin access to an account if the need ever arises.
Passwords are safer when you don’t write them down. Keep strong passwords that you can remember, change them frequently, and refrain from writing them down somewhere.
You have the right to dispute suspicious charges on your card or accounts. Raise a chargeback request for any unidentified transaction on your card. You have a legal right to a resolution.
