Payment & Security Policy

Payment & Security — Cards

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. 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 details: card holder name, number, CVV and expiry date. You also need your 3D secure password / OAC.
• For Debit Cards keep your card details: card holder name, number, CVV and expiry date. You will be redirected to the bank site for 3D secure authorization. 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 number 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.

Digital EMI

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

EMI

EMI will be applicable on minimum order value of above Rs. 10,000. We offer: 0% Interest EMI from Snapmint; Credit Card EMIs as per the bank's standard charges (RazorPay).

Snapmint — 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.

Snapmint — Have more questions?

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.

Snapmint — Terms and Conditions

• 95% of the EMI applications are instantly approved. No credit card is required.
• For us to confirm your order, you will need to make a down payment towards your purchase.
• 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 — 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 your bank details and pay through the gateway.

EMI On Credit Cards

• The issuing bank may modify the terms of the EMI offering at any time and may choose to reject or change the EMI tenure or withdraw the EMI scheme completely. 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.
• 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 approved/rejected by the issuing banks. Cancellation charges (20% of total order value) will be applicable.

EMI FAQ

• What are the annualized interest rates for the different banks? The annualized rates for different banks vary and are displayed at the time of completing the transaction. Bank interest rates are subject to change as per their individual policies.
• I have been charged the complete amount on my card, while I thought it would be an EMI transaction. All transactions will only be converted into EMI transactions in the offline mode — initially you'll be charged the full amount, which will be converted to an EMI transaction normally within 5-7 working days.
• My issuing bank has no information on the EMI conversion. Our payment aggregator (RazorPay) will send the details of the settled transactions for conversion to EMI within 3-4 business days from the date of the transaction to the various card-issuing banks.
• It's been a week but the transaction amount has not been converted into EMIs yet. Please contact your card-issuing bank in case 7 working days have elapsed. Durian is just a facilitator and has no say in the approval/delay/rejection process — this is done at the sole discretion of the card-issuing bank.
• My credit card bill shows I've been charged the complete amount. Please check the transaction date and bill generation date. If the period elapsed is more than 7 working days, you'll need to speak to the card-issuing bank.
• Why is the sum total of all the EMIs more than the transaction amount? The issuing bank charges interest at an annualised rate per EMI transaction.
• My issuing bank has rejected the EMI conversion. It will be converted into a normal credit card transaction. If you would prefer to cancel, let us know within 24 hours only.
• My request for an EMI conversion has been approved but I've changed my mind. At your request, we will raise the issue with RazorPay, who will coordinate with the issuing bank to help you get your refund.

Wallets

We support payments from Digital Wallets. Under its umbrella RazorPay offers the following wallet options: 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.