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Payment: In Handikart, at the option of the relevant seller, can be made by way of (I) Payment on Billing which can be made through the Handikart authorized payment gateway Facility or by depositing cash, cheque, demand draft in the bank account of the Company; or (ii) Payment on Delivery wherein payment shall be made only by cash on delivery, or such other method of payment as may be permitted by the Company on Handikart in its sole discretion.

For the purposes of buying and/or selling any item listed on Handikart, you agree and undertake not to make payments in any manner other than as provided, without the prior consent of the Company.

You acknowledge and accept that you have specifically authorized the Company to collect, process, facilitate and remit payments and/ or the Transaction Price by any of the prescribed methods of payment through Payment on Billing or Payment on Delivery to and from other Users in respect of Transactions.

In order to enable Users to carry out transactions on Handikart, the Company will in addition to other methods of payment provide an electronic payment facility i.e. Handikart authorized payment gateway facility by E-billing Solutions Private Limited on the Website. The Handikart authorized payment gateway facility enables automated collection and remittance services using the facilities of various Indian banks, financial institutions, credit/ debit/ cash card brands, various third party service providers and/or payment card industry issuers and through such other infrastructure and facilities as may be authorized by the Reserve Bank of India for collection, refund and remittance, as the case may be. The Handikart authorized payment gateway facility shall be availed in accordance with the terms of this User Agreement and the rules and policies prescribed hereunder.

The Company shall make reasonable efforts to ensure that requests for electronic debits and credits involving Issuing Bank are informed to the Nodal Bank (defined below) in a timely manner. However, a number of factors that are outside of the Company’s control (including without limitation actions of Issuing Bank, Nodal Bank and the bank or credit / debit/ cash card and/or banks or financial institution infrastructure or indirectly through payment gateway facility providers or through any such facility authorized by the Reserve Bank of India to provide enabling support facility for collection and remittance of payment where the Transaction Price is remitted and/or refunded) may delay the time within which the Transaction Price are collected/ remitted by the Company through the Handikart authorized payment gateway facility. The Company neither makes any representations nor makes any warranties regarding the amount of time needed to complete processing, including delays in the banking system and nor shall the Company be liable for any actual or consequential damages arising from any claim of delay.

The Company has appointed Citibank Ltd., a banking company incorporated under the laws of United States of America and having its Head Office at New York and operating in India and having an office inter alia at Citibank NA, Citibank Card Centre, Citi Tower, 61 Dr. S S Rao Road, Parcel, Mumbai 400012 as the nodal bank. The company has a Nodal bank account with a bank operating in India. The Company reserves the right to, at its sole discretion, replace or remove any nodal bank (Nodal Bank) without providing any intimation.

Any claim for refund of any payment made to the Company, for any reason whatsoever, shall be to the account of the Seller and the Company shall not be responsible for the same including but not limited to service charges or any other fees/ charges.

You agree and accept that the Company is neither acting as trustee nor acting in a fiduciary capacity with respect to the Transaction or the Transaction Price, by providing the Handikart authorized payment gateway facility or any other method of payment to its Users.

Is it safe to use my credit card?
Yes, shopping at is 100% safe. We currently have five payment gateways to choose from: Paypal, CCavenue, Razorpay, Paytm and Zackpay Wallet. all payment gateways are secure and provide multiple options to pay.

Razorpay and CCavenue both uses the latest encryption technology to protect your credit card information. It encrypts your credit card number so that it cannot be read as the information travels over the Internet. Furthermore, both Razorpay and CCavenue also asks you to enter the CVV (Credit Verification Value) number on your credit card. This is a 3 digit number which follows your credit card number and is given at the back of the card to ensure that the person entering the card number has the physical plastic card with him/her.

You can be assured that offers you the highest standards of security currently available on the net so as to ensure that your shopping experience is private, safe and secure.

Does store my credit card information? does not collect or store your account information at all. Your transaction is authorized at multiple points, first by Razorpay/paypal/CCavenue and subsequently by Visa/MasterCard/Amex/Diners secure directly without any information passing through us.

Do you accept international credit cards on Handikart?
Our overseas customers and Non Resident Indians can use their International credit cards to make payments for their orders. We accept all international credit cards. You can also use PayPal payment gateway to pay for your order in different currency.

What credit cards are supported?
We accept all MasterCard, Visa, Amex, JCB and Diners credit cards.

What are Net Banking and Debit Card options you have?

Debit Cards, Credit Cards, UPI Payment, Wallet Payment.

We accept Debit Cards issued by the following banks:

  • AXIS Bank Debit Card
  • Canara Bank Debit Card
  • Citibank Debit Card
  • Corporation Bank Debit Card
  • Deutsche Bank Debit Card
  • HDFC Bank Debit Card
  • ICICI Bank Debit Card
  • Indian Overseas Bank Debit Card
  • ING Vyasa Bank Debit Card
  • Karur Vysya Bank Debit Card
  • Punjab National Bank Debit Card
  • State Bank of India Debit Card
  • Internet Banking

We accept payment through Internet Banking for the following banks:

  • Allahabad Bank
  • Andhra Bank
  • Axis Bank
  • Bank of Bahrein and Kuwait
  • Bank of Baroda – Corporate Banking
  • Bank of Baroda – Retail Banking
  • Bank of India
  • Bank of Maharashtra
  • Canara Bank
  • Catholic Syrian Bank
  • Central Bank of India
  • City Union Bank Ltd
  • Corporation Bank
  • DCB Bank Ltd
  • Dena Bank
  • Deutsche Bank
  • Development Bank of Singapore DBS
  • Dhanlaxmi Bank Ltd
  • Federal Bank Ltd
  • HDFC Bank Ltd
  • ICICI Bank Ltd
  • IDBI Ltd
  • IDFC Bank Ltd
  • Indian Bank
  • Indian Overseas Bank
  • Indusind Bank Ltd
  • Jammu and Kashmir Bank
  • Janata Sahakari Bank Ltd (Pune)
  • Karnataka Bank Ltd
  • Karur Vysya Bank
  • Kotak Mahindra Bank
  • Lakshmi Vilas Bank – Corporate Banking
  • Lakshmi Vilas Bank – Retail Banking
  • NKGSB Cooperative Bank Ltd
  • Oriental Bank of Commerce
  • Punjab National Bank – Corporate Banking
  • Punjab National Bank – Retail Banking
  • Punjab and Maharashtra Cooperative Bank Ltd
  • Punjab and Sind Bank
  • RBL Bank Limited
  • Saraswat Cooperative Bank Ltd
  • South Indian Bank
  • Standard Chartered Bank
  • State Bank of Bikaner and Jaipur
  • State Bank of Hyderabad
  • State Bank of India
  • State Bank of Mysore
  • State Bank of Patiala
  • State Bank of Travancore
  • Syndicate Bank
  • Tamilnadu Mercantile Bank
  • The Cosmos Cooperative Bank Ltd
  • The Shamrao Vithal Cooperative Bank Ltd
  • The Tamilnadu State Apex Cooperative Bank
  • UCO Bank
  • Union Bank of India
  • United Bank of India
  • Vijaya Bank
  • Yes Bank Ltd

Wallet Payment

  • Jiomoney
  • Freecharge
  • Airtel Money
  • Ola Money
  • PayU Money
  • Pay Zapp
  • Mobikwik
  • Zaakpay