Payments & EMIS

What are the different modes of payment available?

You can use any one of the following payment methods:

Credit card
Credit card EMI of leading banks
Debit card
Net Banking
E-Gift cards
Wallets

My transaction failed but the money is deducted from my account. What should I do?

Don’t worry, it will be reversed instantly. You can check your account balance to confirm.

How does credit card EMI payment work?

For all EMI payments, first the full order value on the credit card gets charged. This then later gets converted into EMIs (by the bank) and excess amount goes back to the card. This process usually takes 5-7 workings days.
Daphne Store does not charge any processing fee on EMI payments.
Order value should be above Rs. 1,500 (either the cost of a single item or sum of many items in the same order)
Not available for jewelry and gold coins
Banks’s charge annual interest rates according to the reducing monthly balance. Here, the principal amount is reduced with every EMI and the interest is calculated on the outstanding balance.

The table below shows a representative rendering of EMI plans for a Rs. 20,000 purchase using the EMI payment plan of HDFC bank.

Tenure (Months)	Purchase value	Monthly installment (EMI)	Bank rate (%)	Total amount payable to bank	Interest paid to bank
3	Rs. 20,000	Rs. 6,800.44	12	Rs. 20,401.33	Rs. 401.33
6	Rs. 20,000	Rs. 3,450.97	12	Rs. 20,705.80	Rs. 705.80
9	Rs. 20,000	Rs. 2,344.32	13	Rs. 21,098.89	Rs. 1098.89
12	Rs. 20,000	Rs. 1,786.35	13	Rs. 21,436.15	Rs. 1,436.15

Can I combine credit card EMI payment and cash on delivery for a single order?

Credit card EMI payment can only be clubbed with e-Gift card.

I opted to save card details. What details are saved?

Daphne Store will only save:

Card number
Card holder’s name
Expiry date of the card

We do not save the CVV number or the 3D secure password.

Can I use my debit card for EMI payments on my purchase?

EMI Payments can be done only through a credit card.

I would like another copy of my invoice. How can I get one?

Go to My Orders, select the relevant item and click on ‘Get Invoice.’

How do I delete a saved credit/debit card?

Click on ‘Saved Cards’ in the ‘My Account’ section. You will be able to easily delete saved cards there.

What is the advantage of saving my card details?

You can save time on your next orders by opting for express checkout.

What if I didn’t receive my cashback?

What is the validity of cashback received?

For cashback validity please check the ‘Terms & conditions’ of the offer or contact your wallet provider.

What is UPI?

Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI), an RBI regulated entity. UPI is built over the IMPS infrastructure and allows you to instantly transfer money between any two parties’ bank accounts.

What is VPA?

VPA (or UPI ID) is a virtual payment address by which you can send or receive money to any bank account digitally without any hassle 24×7.

Is UPI secure?

UPI system is operated by National Payments Corporation of India (NPCI). Since the transactions take place using VPA and without use of bank account details, only NPCI to which account every VPA is linked. Here the banks act as a receiver and sender of the funds. No direct involvement of banks is present in the transactions. It’s the NPCI which does the transaction.

Is it safe to share or save my VPA?

Yes, it is safe to share your VPA as it just a virtual address for your transaction and any transaction won’t be completed until authorized by you from your verified device.