• What is an EMI payment option

The EMI or Equated Monthly Instalment payment option allows you to pay for your orders in easy monthly installments, provided you have a card from a partner bank

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 5000 or more. However minimum purchase criteria can differ from product to product

As soon as you make your purchase on SMPH, 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.

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

If you cancel an order paid using the EMI option, SMPH star 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

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.

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.

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.

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

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, please Contact us

You can save any number of cards.

• 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.

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

This means that SMPH star 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 3-4 working days.

• 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 3-4 working days.

All credit debit card payments on SMPH star are processed through secure and trusted payment gateways managed by leading banks. We are Payment Card Industry Data Security Standard 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 

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.

Card payments on SMPH star 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.

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.

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

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

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

Unfortunately not. The Cash on Delivery 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.

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

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

Once you select the product of your interest and progress on to the payment page, select UPI as payment option.

Enter your registered UPI ID.

Verify your UPI ID and proceed to pay now.

You will receive a notification for the chosen UPI app.

Open UPI app and check for the payment request from Tata CLiQ.

Authorise your payment request and enter mobile pin or one-time-password . It's simpler, faster, and still as safe.

Your UPI app will prompt you to re-enter the correct UPI-PIN. The maximum number of tries allowed, depends on your bank. Please check with your bank for details.

You will need to re-generate new PIN using your debit card details last six digit of debit card & Expiry date in your UPI app.

UPI transaction can fail due to multiple reasons most likely due to connectivity issues to the banking system, incorrect Payment Address entered or wrong UPI PIN entry. If your transaction fails, please try again with different payment method available on SMPH star site.

• I have paid for my UPI transaction but not received anything. Why is that?

Once you complete a transaction, you should see a success status on your UPI app like BHIM, PhonePe etc. and receive an SMS from your bank. In some cases due to operator issues it can take longer time. In case you have not received your confirmation within an hour please contact our customer support.

UPI provides real time reversals for declines and amount would be usually transferred back to your account immediately, if you haven’t received the refund please contact your UPI service provider

• Can I put a stop payment request for funds transferred by UPI?

No, once the payment is initiated, it cannot be stopped.

We will not auto deduct payments from your account

In case of failures money will be refunded back to your account. Sometimes this takes longer than intended. If you do not receive the refund within 48 hours, please contact your UPI service provider