Payments

How do I pay for a BeadsnFashion purchase?

BeadsnFashion offers you multiple payment methods. Whatever your online mode of payment, you can rest assured that BeadsnFashion's trusted payment gateway partners use secure encryption technology to keep your transaction details confidential at all times.

You may use Internet Banking, Cash on Delivery and Wallet to make your purchase.

BeadsnFashion also accepts payments made using Visa, MasterCard, Maestro and American Express credit/debit cards in India and 21 other countries.

What is Cash on Delivery?

If you are not comfortable making an online payment on BeadsnFashion.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. E-Gift Vouchers 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.

Is it safe to use my credit/debit card on BeadsnFashion?

Your online transaction on BeadsnFashion is secure with the highest levels of transaction security currently available on the Internet. BeadsnFashion 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 payment on BeadsnFashion 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 BeadsnFashion take to prevent card fraud?

BeadsnFashion realizes the importance of 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 cardholder. We apologise for any inconvenience that may be caused to customers and requests them to bear with us in the larger interest of ensuring a safe and secure environment for online transactions.

What is a 3D Secure password?

The 3D Secure password is implemented by VISA and MasterCard in partnership with the card issuing banks under the "Verified by VISA" and "Mastercard SecureCode" 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 you, is known only to you. This ensures that only you can use your card for online purchases.

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

ING Vysya Bank

IndusInd Bank

Federal Bank

Kotak Mahindra Bank

Karur Vysya Bank

Oriental Bank of Commerce

South Indian Bank

Vijaya Bank

Canara Bank

Can I use my bank's Internet Banking feature to make a payment?

Yes. BeadsnFashion 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

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 BeadsnFashion through my mobile?

Yes, you can make credit card payments through the BeadsnFashion mobile site and application. BeadsnFashion 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.

What is BeadsnFashion's EMI payment option?

BeadsnFashion's EMI scheme is available for American Express, Citi, HDFC and ICICI bank credit card holders only. You may choose to pay in 3,6,9, or 12-month instalments. The minimum order value to avail the EMI payment option is Rs 4,000. Please note that this option is available only when the cart contains items from a single seller.

There is NO processing fee charged for availing BeadsnFashion's EMI payment option. On return or exchange, interest charged by the bank till that time will not be refunded by BeadsnFashion.

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.

The Bank charges annual interest rates (as shown below) according to the reducing monthly balance. In the monthly reducing cycle, the principal is reduced with every EMI and the interest is calculated on the balance outstanding.

EMI plans / Interest charge

Bank

3-month

6-month

9-month

12-month

18-month

24-month

AMEX

15%

15%

15%

15%

-

-

CITI

12%

12%

15%

15%

15%

15%

HDFC

12%

12%

13%

13%

15%

15%

ICICI

13%

13%

13%

13%

15%

15%

SBI

14%

14%

14%

14%

-

-

Example and Calculations

The table below shows a representative rendering of EMI plans for a Rs 20,000 purchase on BeadsnFashion paid using the EMI payment plan

Tenure (months)

Loan amount

Monthly instalment

Bank interest rate

The 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 BeadsnFashion's credit card EMI option?

Once you've added the desired items into your cart, proceed to checkout as usual. Please note that the credit card EMI option is available only when the cart contains items from a single seller.

When prompted to choose a 'Payment Option', select 'Credit Card (EMI)'. Choose the bank and plan (3, 6, 9 or 12-month) of your choice and enter your credit card details. Once the payment is authorized, your order will be processed and shipped. You will need to pay the total amount, in the predetermined number of instalments, as per your credit card billing cycles.

The minimum order value to avail the EMI payment option is 4,000.

Please note that the full amount will be charged on your card the day of the transaction. Within 7 days, you will see a credit for the full amount. The first EMI charge will occur subsequently. If your card's billing date falls within those 7 working days, you need to pay only the EMI amount to the bank. Such EMI transactions are at the discretion of your credit card issuing bank. If you have any queries about the EMI plan, we suggest you get in touch with your bank.