Payment & Security Policy

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1. What types of cards can I use?

Visa, Mastercard, Maestro, RuPay and American Express Credit Cards.
Debit card for more than 50 major banks.
We currently support Net banking for 48 major banks including all major banks like ICICI, HDFC, Citibank, SBI, Axis etc.

2. Is it safe to use my credit card, debit card or net banking?

Absolutely. Shopping with Durian is completely safe. Transactions with Durian are via the payment gateway RazorPay, which is both VeriSign Secured® as well as PCI compliant. The VeriSign Secured® Seal is the most trusted security mark on the Internet. PCI stands for Payment Card Industry and RazorPay are compliant with the global information security standards defined for organizations which handle cardholder information.

3. What should I keep handy for my online transaction?

For Credit Cards keep your card which has the details of card holder name, number, CVV and expiry date. Apart from this you also need to have your 3D secure password / OAC.
For Debit Cards keep your card which has the details of card holder name, number, CVV and expiry date. You will be redirected to the bank site for 3D secure authorization. So keep your OAC or IPIN handy as well.
For Net Banking you need to keep your account number as well as your IPIN handy.

4. Does Durian.in retain my card or account details?

Durian.in does not collect or store your account information at all. Your transaction is authorized at multiple points, first by RazorPay and subsequently by Visa/MasterCard/American Express/Banks directly without any information passing through us.

5. Will I be asked to provide any card information, account information or passwords over phone or email?

You will not be asked to provide your personal account information or passwords over the phone. We request you to contact us on the toll free no. in case you receive such a request.

6. What other things should I keep in mind during an online transaction?

During the payment process using net banking you may be redirected to your bank website. Never press the browser back button when the transaction is still currently being done.

7. How will transactions on Durian appear on my Credit Card / Bank statements?

All transactions on Durian.in will be under the heading of "RazorPay" on your Credit Card / Debit Card Bank statements.

However orders once placed on Snapmint cannot be cancelled, returned or refunded.

EMI will be applicable on minimum order value of above Rs. 10,000. We offer the following

- 0% Interest EMI from Snapmint

- Credit Card EMIs as per the bank’s standard charges. (RazorPay)

Snapmint:

1. How it Works?

Sign up and get a real-time decision on your purchase. It takes less than a minute.
Upload ID/ Address proof and make down payment.
We visit you in 24 hrs to sign the NACH(ECS) mandate prescribed by NPCI.
Your Order is processed.

2. Have more questions about Snapmint?

Snapmint’s mission is absolutely transparent, fairly priced EMI options. It does not matter whether you have credit history or a credit card, because we believe you are much more than your credit score. Read more here

3. Terms and conditions

95% of the EMI applications are instantly approved. No credit card is required. If we are unable to provide you with an instant approval we will inform you right then and there.
For us to confirm your order, you will need to make a down payment towards your purchase.
We may sometimes ask you for a bank statement to verify your salary/ income.
A small processing fee may be charged by Snapmint for processing each EMI.
Order cancelled before product delivery is eligible for full refund of processing fee and down payment.
In case of returns, EMI will continue until confirmation is received from Durian Industries. Vouchers/promotional discount codes can be used along with EMI options.
The other Terms and Conditions of participating banks will continue to apply.

RazorPay:

RazorPay is offering EMI on all major credit cards as per standard interest rates mandated by the banks.

1. How it works?

Select EMI with Credit card "RazorPay"
Input all your details as per the norms mentioned.
Place your order. You will be redirected to the RazorPay payment gateway
Enter in your bank details and pay through the gateway.

RazorPay

EMI On Credit Cards

The issuing bank may modify the terms of the EMI offering at any time. Further, the issuing bank may, at its sole discretion, choose to reject or change the EMI tenure (on the basis of customer history, amount of transactions, etc.) or withdraw the EMI scheme completely. For all such cases, customers must follow up with the issuing banks and Durian will not be responsible for any rejection.
Durian shall not be responsible for any disputes arising due to the non-conversion of a transaction into EMIs. Customers will have to inquire about the status of their EMI requests from their issuing banks.
Durian has a threshold value while purchasing furniture on EMI. The threshold value for Durian is currently Rs.10,000 above which you can avail EMI on your products.
EMI transaction requests, once submitted, cannot be cancelled/modified/reversed until the same have been approved/rejected by the issuing banks of the credit card holders.
For example, if an EMI transaction request is submitted on January 1 and is approved/rejected by the issuing back on January 7, the request cannot be cancelled/modified/reversed before January 7. Only after approval/rejection by the issuing bank, can customers cancel the transaction. In the event of a cancellation, Durian will raise a request with its payment aggregator (RazorPay), who will then coordinate with issuing bank to initiate a refund. As soon as the refund is approved at the bank’s end, the credit card limit will also be increased. However, do note that cancellation charges(20% of total order value) will be applicable, which will have to be borne by the customer.

FAQ

1. What are the annualized interest rates for the different banks?

The annualized rates for different banks are as follows:

Sr.No	Bank Name	3 Months	6 Months	9 Months	12 Months	18 Months	24 Months
1	Axis Bank	12.00%	12.00%	13.00%	13.00%	N.A.	N.A.
2	Kotak Bank	12.00%	12.00%	14.00%	14.00%	15.00%	15.00%
3	Standard Chartered Bank	13.00%	13.00%	14.00%	14.00%	15.00%	15.00%
4	IndusInd Bank	14.00%	14.00%	14.00%	14.00%	13.00%	13.00%
5	HSBC Bank	12.50%	12.50%	13.50%	13.50%	13.50%	N.A.
6	ICICI Bank	13.00%	13.00%	13.00%	13.00%	N.A.	N.A.
7	AMEX	15.00%	15.00%	15.00%	15.00%	N.A.	N.A.
8	Central Bank	13.00%	13.00%	14.00%	14.00%	N.A.	N.A.
9	Ratnakar Bank	13.00%	13.00%	13.00%	13.00%	13.00%	13.00%
10	Corporation Bank	N.A.	16.00%	N.A.	18.00%	N.A.	18.00%

**Disclaimer: the bank interest rates are subject to change as per their individual policies.

2. I have been charged the complete amount on my card, while I thought it would be an EMI transaction. What happened?

All transactions will only be converted into EMI transactions in the offline mode. This means that initially, you’ll be charged the full amount, which, later will be converted to an EMI transaction, normally within 5-7 working days. Until then, it would only be a full amount transaction on your credit card. Please contact your card-issuing bank in case 7 working days have elapsed since your transaction and it is yet to be converted to EMIs.

3. I tried contacting my issuing bank but they seem to have no information on the EMI conversion and it’s been 2 days since I made that transaction. Help!

Our payment aggregator (RazorPay) will send the details of the settled transactions for conversion to EMI along with their complete details, normally within 3-4 business days from the date of the transaction to the various card-issuing banks. Once that’s done, the issuing bank(s) can help you with the status of the transaction.

4. It’s been a week but the transaction amount has not been converted into EMIs yet. What do I do?

Please contact your card-issuing bank in case 7 working days have elapsed and the transaction has not yet been converted to EMIs. Please note that Durian is just a facilitator and has no say in the approval/delay/rejection process in the conversion of the transactions into EMIs. This is done at the sole discretion of the card-issuing bank.

5. My credit card bill is here and it shows that I’ve been charged the complete amount. HELP.

Please check the transaction date and customer bill generation date. If the period elapsed is more than 7 working days, then you’ll need to speak to the card-issuing bank to determine how much to pay. The bank might choose to convert the EMI at a later date and change the bill payment.

6. Why is sum total of all the EMIs more than the transaction amount?

The issuing bank charges interest at an annualised rate per EMI transaction. The interest rates are decided by the bank and displayed at the time of completing the transaction.

7. My issuing bank has rejected the EMI conversion. How will the debited amount get adjusted to my account?

If the issuing bank cancels the EMI conversion, it will be converted into a normal credit card transaction. If you would prefer to cancel the transaction, do let us know within 24 hours only. We will raise a request with RazorPay, who will then coordinate with the issuing bank to help you with the refund.

8. My request for an EMI conversion has been approved by my issuing bank but I’ve changed my mind now. What do I do?

At your request, we will raise the issue with RazorPay, who will then coordinate with the issuing bank to help you get your refund. Once your bank approves the refund, you will see it reflected in your credit card limit.

We now also support payments from the following Digital Wallets. Using the popular Paytm wallet is perfect for us as it allows our esteemed customers more options while shopping online. Stress free shopping made even more easier!

Under its umbrella RazorPay offers the following wallet options such as:

PayTM
Mobikwik
Oxigen
FreeCharge
Jio Money
Aircel E Money
ICASH
Idea Money
Itz Cash
Jana Cash
Payworld Money
Pay Zapp
SBI Buddy
Scan N Pay
The Mobile Wallet
Ziggit