Payment is an integral part of an online shopping experience. All payments shall be collected through secured payment options.

We accept all prepaid payment options such as all the major Credit Cards, Debit Cards, and Net-Banking etc. ASWATI may also offers industry-leading solution for Cash on Delivery.

All payments for purchases made by you on the Site shall only be in Indian Rupees. In case of a prepaid transaction, after payment for the order has been successfully received by ASWATI, You will be sent a notification by email or SMS at the email address or mobile number provided to ASWATI confirming receipt of payment. There may be limits to the amount of Cash on Delivery payments based on pin codes or the State in India where delivery is to be made. ASWATI reserves the right to withdraw or block or limit your purchases using Cash on Delivery basis transaction history.

Credit and Debit Card

ASWATI accepts all Visa, Master Card, Maestro, American Express and Diners cards. You will be redirected to your issuing bank's site, where you will have to follow the instruction to complete the payment.

Net Banking

You can make payment for an order by using Your Net Banking account. The Site accepts payments for your orders to sellers through various banks. You will be redirected to your bank's site where you will be able to make payment after entering in your login id and password that is known only to you.

EMI Payments

EMI is one of the payment methods available on ASWATI for Your convenience which allows you to pay for your orders easily. The equated monthly instalments payment method is only available for customers using certain credit cards as per the relevant terms and conditions being in force. Applicable charges/fees/costs, if any, levied by the Bank for facilitating EMI, shall be directly and solely borne by the Customer.  ASWATI does not charge any processing or convenience fee for the said purpose.  Any dispute in this regard shall be directly dealt by the Customer with the Bank and ASWATI shall not be held liable in any case, whatsoever.

Cash on Delivery

Cash on Delivery is one of the payment methods for making purchases on ASWATI where you don't have to make any advance payment.

Cash on Delivery is available as a payment method for all eligible products on ASWATI. Eligible products will be indicated by the message [‘Eligible for Cash on Delivery’] on the [‘product order page’] for delivery in certain pin codes.

Issues with Payments - Pending Payments:

Payments can sometimes fail or remain in the pending stage. Some of the reasons could be:

1. Incorrect debit or credit card details are entered.
2. Card may be blocked or card details are no longer valid or need to be updated.
3. The page is accidentally closed or refreshed or backspace is pressed while the transaction is being processed by your bank.
4. The connection between ASWATI and Your bank or issuer failed due to some technical reasons and the transaction could not be completed.
5. Card or bank or issuer is not recognised by ASWATI.
6. Incorrect login or password details are entered.
7. Payment amount exceeds the limit mutually agreed to between you and your bank or issuer.

If you face any of the above payment issues, try placing the order again in a short while or contact your bank or issuer for technical assistance. ASWATI is not liable for any loss or inconvenience caused to you when making payment or for any wrongful debits to your cards or net banking accounts.

Issuing Bank Terms and Conditions

Users understand and acknowledge that all payments made by the Users using valid credit card/ Debit card/ Cash Card/ and other payment instruments or mechanism including net banking facility will be processed using a payment gateway or appropriate payment system infrastructure and the same is governed by a separate set of terms and conditions agreed between the User and the respective Issuing Bank and payment instrument issuing company.

Requirements of Permanent Account Number (PAN)

For all the purchase of an amount equal to or exceeding INR 2,00,000 (INR two lakhs only), You will be required to upload a copy of Your PAN card, within such time as may be prescribed from the date of purchase, failing which, the purchase made by You will be automatically cancelled. The order shall also stand cancelled if there is a discrepancy between your names in Account with ASWATI the name printed on the PAN card.

The requirement to provide a copy of PAN card is one time activity and you don’t need to submit it again.