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Payments
Payment
1. What is an EMI payment option?

The EMI or Equated Monthly Installment payment option allows you to pay for your orders in easy monthly installments, provided you have a card from a partner bank. For details, including terms and condition, please click here.

2. How do I know if my order is eligible for an EMI?

"If your order is eligible for an EMI purchase, you will see the EMI option, along with a table of EMI providers and their corresponding rates and tenures offered, on the product page. You can also pay for your total purchase in EMIs if your cart value is Rs 3,000 or more. However minimum purchase criteria can differ from product to product. For details please click here. "

3. How do I know if the EMI payment process was successful?

"As soon as you make your purchase on Tata CLiQ, you will see the full amount charged to your card. It will take the bank a few days (the time frame depends from bank to bank) to convert this into an EMI.
From your next billing cycle, you will be charged the EMI amount and your credit limit will be reduced by the outstanding amount. For example, if you have made a three-month EMI purchase of RS 25,000 and your credit limit is RS 1,00,000, then your bank will block your credit limit by RS 25,000 and thus your available credit limit after the purchase will only be RS 75,000. As and when you pay your EMI every month, your credit limit will be released accordingly. For any further queries, please contact your bank. "

4. What happens if I cancel an order that is paid for using the EMI option?

If you cancel an order payed for using the EMI option, Tata CLiQ will refund the purchase amount to you immediately and the EMI will be cancelled. You will then need to contact your bank to confirm how the EMI scheme on your credit card has been modified, or for any queries on foreclosure.

5. What are the payments modes available on Tata CLiQ?

You can pay using your Netbanking account, credit and debit cards, or cash on delivery (if applicable ). You may also use the EMI option (if applicable).

6. How does the COD payment option work?

While making your purchase, select the Cash on Delivery payment option; you can then pay in cash when our logistics partner delivers your order to you. Please note that this option is only available at select PIN codes.

7. How do I save my card details so that I can check out quickly?

Your details, including your name, the card number and expiry date (excluding your CVV number), are automatically saved the first time you make a purchase using your card. You will just need to enter your CVV pin to make purchases thereafter.

8. How do I remove my saved card details?

To remove your details, go to the Saved Cards section in My Account and delete your card information.

9. I got charged for my order but I haven't received an order confirmation mail or SMS. What should I do?

On rare occasions, there is a system delay in sending confirmation mails or SMSes. If you do not receive a confirmation from us within 10-15 minutes of placing the order, contact us. (ADD LINK TO CONTACT page).

10. How many cards can I save to my Tata CLiQ account?

You can save any number of cards.

11. I typed an incorrect number while adding my card. How do I correct it?

If you have typed an incorrect card number, name or expiry date, you can delete the card by visiting the Saved Cards section in My Account.

12. What is the Save Card feature?

The Save Card feature lets you view the details of credit/debit cards you have saved to your Tata CLiQ account. This helps you complete transactions in a quick and easy way.

13. I received a message that says payment is pending. What does this mean?

This means that Tata CLiQ did not receive a payment confirmation from your bank. In such cases, we try to re-confirm the payment with your bank. If your amount has already been deducted, your order will be confirmed shortly. In case we are not able to confirm your payment, amount will be reversed in your account or card automatically. The amount refunded with reflect in your account within 4-5 working days. Some bank may take 10-15 working days.

14.  I got a message saying Payment has timed out.

Payment Timeouts happen in case we're unable to get a confirmation of the payment from your bank. In such cases, any amount deducted from your bank account or card is automatically refunded. The amount refunded with reflect in your account within 4-5 working days. Some bank may take 10-15 working days.

15. Is it safe to use my credit/debit card?

All credit/debit card payments on Tata CLiQ are processed through secure and trusted payment gateways managed by leading banks. We are Payment Card Industry Data Security Standard (PCI DSS) complaint.  PCI DSS is a proprietary information security standard for organisations that handle branded credit cards from the major card schemes including Visa, MasterCard, American Express, Discover, and JCB. The PCI Standard is mandated by the card brands and administered by the Payment Card Industry Security Standards Council. The standard helps in increased controls around cardholder data to reduce card fraud.

16. What card information does Tata CLiQ store?

We only store the card number, card holder's name and the card's expiry date. We do not store the card's CVV number or 3D Secure password.

17. How does Tata CLiQ prevent card fraud?

Card payments on Tata CLiQ are monitored for any suspicious activity and some transactions go through extensive checks, especially if we find any suspicious activity. In situations where we suspect fraud, the suspect transaction is kept on hold and we ask for relevant documents as proof. This is to ensure that transactions are genuine and authorised.

18. Where do I find interest rates for credit card EMI plans?

This information is available at Checkout. The EMI plan, including interest rates and the amount charged by the bank, will appear once you select the EMI payment option.

19. Can I pay with any credit card?

Yes, you can pay with any Visa, MasterCard or American Express credit card issued in India.

20. Can I use a saved card to make an EMI payment?

Of course you can, if your saved credit card is eligible for your bank's EMI programme.

21. Can I use any debit card to pay for my order?

Yes, you can pay with any Visa, MasterCard or Maestro debit card issued in India.

22. Can I use the Cash on Delivery (COD) payment option for every product I buy on Tata CLiQ?

Unfortunately not. The Cash on Delivery (COD) option is restricted by factors such as the delivery PIN code, type of product being purchased etc. You can check if this payment option is available to you at Checkout.

23. Can I pay for my purchases on the app using my credit/debit cards or Netbanking?

Yes, you can use your debit/credit card or Netbanking to pay for your purchases on the app, as well as the website and mobile site.

24. How do I find the 3D Secure password for my credit/debit card?

You will receive your 3D Secure password by registering your credit/debit card on your bank's website.

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