Payment Terms

How do I pay using a credit/debit card?

We accept payments made by credit/debit cards issued in India.

Credit cards

We accept payments made using CreditCards.

To pay using your credit card at checkout, you will need your card number, expiry date, three-digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank's page for entering the online 3D Secure password.

Debit cards

We accept payments made using Visa, MasterCard and Maestro debit cards.

To pay using your debit card at checkout, you will need your card number, expiry date (optional for Maestro cards), three-digit CVV number (optional for Maestro cards). You will then be redirected to your bank's secure page for entering your online password (issued by your bank) to complete the payment.


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

Your online transaction on Lotmobiles is secure with the highest levels of transaction security currently available on the Internet. Lotmobiles 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 payments on Lotmobiles are processed through secure and trusted payment gateways managed by leading banks. Banks now use the 3DSecure password service for online transactions, providing an additional layer of security through identity verification.

 

What steps does lotmobiles take to prevent card fraud?

Lotmobiles realizes the importance of a 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 card holder. We apologise for any inconvenience that may be caused to customers and request 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 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

Jammu & Kashmir 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. Lotmobiles 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 50 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

 

How does 'Instant Cashback' work?

The 'Cashback' offer is instant and exclusive to lotmobile.com. You only pay the final price you see in your shopping cart.


How do I place a Cash on Delivery (C-O-D) order?

All items that have the "Cash on Delivery Available" icon are valid for order by Cash on Delivery.

Add the item(s) to your cart and proceed to checkout. When prompted to choose a payment option, select "Pay By Cash on Delivery". You will get a mail confirmation with your shipping address, for validation. You need to click on the link given in the mail and finish the transaction for cash on delivery. Within 24 hours you get a confirmation call from our customer care department.

Once verified and confirmed, your order will be processed for shipment in the time specified, from the date of confirmation. You will be required to make a cash-only payment to our courier partner at the time of delivery of your order to complete the payment.

Terms & Conditions:

  • The maximum order value for C-O-D is ? Rs.25,000/-.
  • e-Gift Vouchers or Store Credit cannot be used for C-O-D orders.
  • Cash-only payment at the time of delivery.


What is Lotmobiles EMI payment option?

The Lotmobiles EMI payment option is available for HSBC, Axis, Citibank, HDFC, ICICI, Kotak Mahindra and Standard Chartered credit cards only. You can choose to pay in 3 & 6 month instalments. The minimum order value to avail the EMI payment option is ? Rs.5,000/-.

Generally, a flat EMI processing fee is charged by Lotmobiles unless mentioned otherwise (special product promotion). The fee is 3.50% for the 3-month plan | 5.50% for the 6-month single time fee.

Select products are sometimes marked for the Zero Processing Fee EMI offer. In line with the offer, the EMI processing fee is waived off on select monthly instalment plans. You will notice that the Credit Card (EMI) payment option will show the Lotmobiles EMI processing fee as ?0 for the respective instalment plan.


Note:

The EMI option is interest-free for the customer. Please note that the full amount will be charged on your card on the day of the transaction. Within 7 days, you will see a credit for the full amount. The first EMI charge will happen 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.

 

For Payment  related Quries

Please Contact : payment@lotmobiles.com