Payments - Frequently Asked Questions
How do I pay for purchase from @home?
@home offers you multiple payment methods and you can be rest assured that @home’s payment gateway partners use secure encryption technology to keep you details highly confidential at all times.
Payment methods possible with @home are
- Internet Banking
- Cash on Delivery
- Debit card
- Credit card and
- Wallets ( paytm and mobikwik ).
@home also accepts payments made using Visa, MasterCard, Maestro and American Express credit/debit cards in India and other countries
Do I have to pay the exact amount shown on @home site or is there any hidden charges?
There is absolutely no hidden charges, you have to pay the exact amount shown in the product page and nothing more. However in case you choose Cash on delivery(C-O-D) then there will be an additional Rs.50 added to the product cost.
What is C-O-D ?
C-O-D (cash on delivery), you can prefer this mode of payment if you are not comfortable with paying in advance through online payment methods. Through C-O-D mode, you will only have to pay after receiving the product. COD payment option is available for non furniture product range only.
The maximum order value for C-O-D payment is Rs.5000 and strictly Indian Rupees and no foreign currency or gift vouchers.
How do I pay using a credit/debit card?
@home accepts payments made using Visa, MasterCard, Maestro and American Express credit/debit cards in India and other countries
Credit cards
@home accepts payments made using Visa, MasterCard and American Express credit cards. To make a payment using your credit card, you will require the following
- Credit card
- Expiry date
- Card number
- CVV number ( The 3 digit number on the backside of your credit card)
On entering all these, you will be redirected to banks 3D secure server to enter the password and OTP( one time password)
Debit cards
@home accepts payments made using Visa, MasterCard and American Express Debit cards. To make a payment using your Debit card, you will require the following
- Debit card
- Expiry date
- Card number
- CVV number ( The 3 digit number on the backside of your Debit card)
On entering all these, you will be redirected to banks 3D secure server to enter the password and OTP( one time password )
Is it safe to use my credit/debit card for online payments?
Absolutely safe, you can be rest assured that @home’s payment gateway partners use secure encryption technology to keep you details highly confidential at all times. We want your online shopping to be worry-free, so we use SSL (Secure Socket Layers)*, the industry standard encryption standard for online purchase. All of your personal information, including your credit card number, is encrypted by SSL while you are placing the order. SSL encrypts your order information to avoid the decoding of that information by anyone other than www.at-home.co.in. To check the security of your connection, look at the URL address bar of your browser window when you begin to checkout. If you see an unbroken key or a closed lock (depending on your browser), then SSL is active. When accessing a secure server, the first characters of the site address will change from “http” to “https”.
We endeavor to make every transaction you make at www.at-home.co.in 100% safe. This means that you pay nothing if unauthorized charges are made to your card as a result of shopping at www.at-home.co.in. SSL available only if you make payment through our payment gateway like CCAVENUES
Payments are screened for all fraudulent scenarios and payments are flagged OK only if it passes all the gateways. So be rest assured, your transactional details are kept confidential.
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 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.
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:
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Can I use my bank’s Internet Banking feature to make a payment?
Yes. @home 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.
Can I make a credit/debit card or Internet Banking payment on @home through my mobile?
Yes, you can make credit card payments through the @home mobile optimized site.
How do I place a Cash on Delivery (C-o-D) order?
All products (except furniture and mattress) can be purchased on C-O-D. After adding your products in shopping cart and on proceeding for payment, you will be prompted by payment options. To pay via C-O-D choose from the payment option and enter your mobile number to get your CAPCHA code. This is to only verify the authentication of the customer. You will receive CAPCHA code as an SMS, enter that to validate the purchase. That’s all.
COD payment option is available for non furniture product range only.
Terms & Conditions:
- The maximum order value for C-o-D is Rs.5,000
- Cash-only payment at the time of delivery.
- Cash on delivery on with Indian Rupees
What is @home’s Easy EMI option?
@home’s Easy EMI Option allows you to choose to pay in 3, 6, 9, 12, 18 or 24 month installments. The minimum order value to avail the EMI payment option is Rs 5,000. There is NO processing fee charged for availing @home’s EMI payment option. On return or exchange, interest charged by the bank till that time will not be refunded by @home.
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.
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Easy EMI Options
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Sr. No.
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Bank
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3 Months
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6 Months
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9 Months
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12 Months
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18 Months
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24 Months
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Transaction Amt. (Greater Than)
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1
|
ICICI Bank
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13%
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13%
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13%
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13%
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-
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-
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3000
|
|
2
|
ICICI (DEBIT CARD)
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13%
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13%
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13%
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15%
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-
|
15%
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10000
|
|
3
|
Axis Bank
|
12%
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12%
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13%
|
13%
|
-
|
-
|
3000
|
|
4
|
Kotak Mahindra Bank
|
12%
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12%
|
14%
|
14%
|
15%
|
15%
|
3000
|
|
5
|
Induslnd Bank
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14%
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14%
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14%
|
14%
|
-
|
-
|
3000
|
|
6
|
HSBC Bank
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12.50%
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12.50%
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13.50%
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13.50%
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13.50%
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-
|
3000
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|
7
|
Pay Gate (Amex EMI)
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15%
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15%
|
15%
|
15%
|
-
|
-
|
5000
|
|
8
|
Standard Chatered Bank
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13%
|
13%
|
14%
|
14%
|
15%
|
15%
|
2000
|
|
9
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Central Bank Of India
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13%
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13%
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14%
|
14%
|
-
|
-
|
3000
|
|
10
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Corporation Bank
|
-
|
16%
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18%
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18%
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-
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-
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2500
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How do I make a payment using @home’s credit card EMI option?
Once you’ve added the desired items into your cart, proceed to checkout as usual. When prompted to choose a ‘Payment Option’, select ‘Credit Card (EMI)’. Choose the bank and plan (3, 6, 9, 12, 18 or 24-months) 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 pre-determined number of instalments, as per your credit card billing cycles.
The minimum order value to avail the EMI payment option is Rs.5,000. 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.
