How do I pay for a purchase on HMS TRADE?

HMS TRADE offers you multiple secure payment options. Regardless of the payment method you choose, you can be assured that all online transactions are processed through trusted and secure payment gateway partners using industry-standard encryption technology.

You may use:

  • UPI

  • Credit & Debit Cards

  • Net Banking

  • Wallets

  • Cash on Delivery (COD)

Available payment methods may vary based on product category, seller, order value, or delivery location.

Are there any hidden charges when I make a purchase on HMS TRADE?

No. There are no hidden charges when you place an order on HMS TRADE.

The price displayed on the product page is final and inclusive of applicable taxes.
Any additional charges such as shipping or convenience fees (if applicable) are clearly shown at checkout before you make the payment.

What is Cash on Delivery (COD)?

Cash on Delivery (COD) allows you to pay for your order in cash at the time of delivery, instead of making an online payment in advance.

COD availability depends on:

  • Your delivery location

  • Courier partner serviceability

  • Order value

  • Seller policy

Only Indian Rupees (INR) are accepted for COD orders.

Is there a maximum order value for Cash on Delivery?

Yes. The maximum order value for COD may be restricted based on courier partner limits, seller policy, or risk assessment.

COD may also be disabled for certain products, categories, or users.
Gift cards, wallet balance, or store credits cannot be used for COD payments.

How do I pay using a credit or debit card?

We accept payments made using credit and debit cards issued by Indian banks.

Accepted card networks include:

  • Visa

  • MasterCard

  • Maestro

  • RuPay

To complete a card payment, you will need:

  • Card number

  • Expiry date

  • CVV number

You may be redirected to your bank’s secure page to complete the transaction using OTP or other authentication methods.

Are international credit/debit cards accepted?

Currently, HMS TRADE primarily supports cards issued by Indian banks.

Acceptance of internationally issued cards may vary based on:

  • Card network

  • Issuing bank

  • Payment gateway policies

Certain products such as digital goods or gift cards may not support international cards.

Is it safe to use my credit/debit card on HMS TRADE?

Yes. Your payment is completely secure.

HMS TRADE uses secure, PCI-DSS compliant payment gateways that encrypt your card details during transmission. HMS TRADE does not store your full card information on its servers.

Additional authentication such as OTP or bank-level verification may be required to complete the transaction.

Does HMS TRADE store my card or payment information?

No. HMS TRADE does not store complete card details.

Only limited, non-sensitive information (such as the last four digits of your card) may be stored for transaction reference and customer support purposes. All sensitive payment data is handled directly by our payment partners.

What steps does HMS TRADE take to prevent payment fraud?

HMS TRADE and its payment partners continuously monitor transactions for suspicious or high-risk activity.

In rare cases, transactions may be:

  • Temporarily placed on hold

  • Cancelled for security reasons

  • Subject to additional verification

This is done to ensure a safe and secure shopping experience for all users.

What is OTP / secure authentication for card payments?

Most card transactions require additional verification, such as a One-Time Password (OTP) or bank authentication, to confirm that the transaction is authorized by the cardholder.

This added security ensures that only you can use your card for online purchases.

Can I use Net Banking to make a payment?

Yes. HMS TRADE allows you to pay using Net Banking, enabling you to transfer funds securely from your bank account.

Available banks depend on the payment gateway and may vary from time to time.

Can I make payments using UPI?

Yes. HMS TRADE supports UPI payments, allowing you to pay directly using supported UPI apps linked to your bank account.

UPI payments are fast, secure, and may require app-based or PIN authentication.

Can I make payments using my mobile phone?

Yes. You can make payments on HMS TRADE using your mobile phone via:

  • UPI apps

  • Mobile banking

  • Secure card payments

All mobile transactions are protected using the same security standards as desktop payments.

How do refunds work for prepaid orders?

For prepaid orders, refunds (if approved) are processed to the original payment method used during checkout.

Refund timelines may vary depending on:

  • Bank processing time

  • Payment gateway

  • Mode of payment

You can track refund status through your order details or by contacting support.

Need help with payments?

If you face any issues related to payments, refunds, or billing, please reach out to us through the Contact Us / Support section on the HMS TRADE website.

Our team will be happy to assist you.