Last Updated: 01 Feb, 2026

How can I pay for my purchase on Gifts City?

Gifts City offers secure and convenient payment options to ensure a smooth checkout experience. All payments made on our Platform are processed through trusted and secure payment gateway partners using industry-standard encryption technology.

Available Payment Methods

You can pay for your order using any of the following methods:

  • Credit Cards (Visa, MasterCard, American Express – issued in India)

  • Debit Cards (Visa, MasterCard, Maestro – issued in India)

  • Net Banking (supported Indian banks)

  • UPI / Wallets (where enabled)

  • Cash on Delivery (COD) – subject to eligibility

Availability of certain payment methods may vary based on product, order value, delivery location, or account history.

Are there any hidden charges?

No.
There are no hidden charges on Gifts City.

  • Prices shown on the product page are final and inclusive of applicable taxes

  • Any additional charges such as shipping or handling fees, if applicable, will be clearly displayed at checkout before payment

What is Cash on Delivery (COD)?

Cash on Delivery allows you to pay in cash at the time of delivery instead of paying online.

COD Terms:

  • Available only on select products and locations

  • Maximum order value for COD: ₹50,000

  • Cash-only payment at the time of delivery

  • Gift cards, wallets, or store credits cannot be used for COD

  • Only Indian Rupees (INR) are accepted

Gifts City reserves the right to disable COD for certain accounts or orders based on risk assessment or delivery history.

How do I pay using a credit or debit card?

At checkout, select Credit/Debit Card and enter:

  • Card number

  • Expiry date

  • CVV number

You will then be redirected to your bank’s secure authentication page to complete the payment using OTP / 3D Secure verification, as applicable.

Is it safe to use my card on Gifts City?

Yes.
All card payments on Gifts City are processed through secure, PCI-DSS compliant payment gateways. We do not store your card details on our servers.

Additional security measures such as OTP or 3D Secure authentication are used to protect against unauthorized transactions.

What steps does Gifts City take to prevent payment fraud?

To ensure secure transactions:

  • Payments are continuously monitored for suspicious activity

  • Orders may be placed on hold for verification in rare cases

  • Customers may be requested to provide identity or address confirmation for high-risk transactions

These measures are taken in the interest of protecting both customers and the Platform.

What is 3D Secure / OTP verification?

3D Secure (OTP verification) is an additional security step provided by banks to authenticate online card transactions.
This ensures that only the authorized cardholder can complete the payment.

You can enable or manage this feature through your bank.

Can I pay using Net Banking?

Yes.
You can pay directly from your bank account using Net Banking, supported by most major Indian banks. This is a secure method and does not require sharing card details.

Can I make payments using my mobile phone?

Yes.
Gifts City is mobile-friendly, and all payment methods are supported on both mobile browsers and compatible devices. Secure encryption is applied across all platforms.

Payment Failures & Declined Transactions

In case of a failed or declined transaction:

  • The amount (if debited) is usually reversed automatically by the bank within the applicable timeline

  • Gifts City is not responsible for delays caused by banks or payment service providers

Please contact your bank for faster resolution in such cases.

Important Notes

  • All payments must be made in Indian Rupees (INR)

  • Gifts City reserves the right to add, remove, or modify payment options without prior notice

  • Orders are confirmed only after successful payment authorization