Payment Options


At Shopmuni.com, we provide convenient and secured payment options to our customers, as part of our Buyer Protection Policy. All our payment gateways are secured by SSL (Secure Socket Layer). We accept multiple modes of payment such as Credit Cards, Debit Cards, ATM cards, Net banking and
Cash on Delivery (COD). Besides these payment modes, we do accept international cards.
1. What are various modes of payment available?
We accept multiple modes of payment such as Credit Cards, Debit Cards, ATM cards, Net banking, Cash On Delivery (COD).
2. Is Cash On Delivery (COD) option available?
Yes, Cash On Delivery option is available on selected products.
3. How can I confirm my COD order?
Once you place a COD order, we will send you the confirmation over email and SMS. In case you don't receive any confirmation, you can contact us at support@shopmuni.com
5. Do you accept EMI payment option?
Yes, we accept EMI as a payment method on orders above Rs. 2,500.
Please note that the EMI facility is not applicable on Gold Coins and Bars.
EMI is available for customers using Credit Cards issued by the following Banks. The table below shows different banks and the respective EMI options based on the product price. This is for indicative purposes only, your EMI payments may differ with total order amount and additional bank charges, if any.
• ICICI Bank
• HDFC Bank
• Citibank
• SBI Card
• Standard Chartered Bank
• Kotak Mahindra Bank
• Axis Bank
• HSBC Bank
• Yes Bank
• RBL Bank


6. How do I process payment using Shopmuni EMI option?
Please follow the steps given below:
• Select your preferred EMI option at the time of payment
• Final EMI is calculated on the total value of your order at the time of payment.
• The minimum order value to avail the EMI option on Shopmuni is Rs. 2500.
• The Bank charges annual interest rates according to the reducing monthly balance. In the monthly reducing cycle, the principal is reduced with every EMI and the interest is calculated on the outstanding balance.
• On 'Select a payment method page, choose the bank and plan (3, 6, 9 or 12-month) of your choice and enter your credit card details. Once the payment is authorized, your order will be processed and shipped.
• For EMI payments, initially, customers will be charged the full amount on their credit card. This will later be converted to an EMI transaction by their bank. This normally takes 5-7 working days.
7. What are the Cancellation & Refund Policies w.r.t EMI Payments?
• The EMI facility is not applicable on gold coins and bars.
• In case of any kind of refund in an EMI transaction, interest already billed in a particular transaction will not be refundable under any circumstances.
• Shopmuni would not be charging processing fee for any EMI transactions. Hence all the queries related to processing fees or interest should be directly taken up with the bank
• You may check with the respective bank/issuer on how a cancellation, refund or pre-closure could affect the EMI terms, and what interest charges would be levied on you for the same.
8. Why has my EMI payment plan not been activated yet?
Please get in touch with your Bank, if your EMI plan has not be activated yet.
9. My order transaction failed but the amount has been deducted from my bank account. What should I do?
Payment can fail due to a technical glitch or due to incorrect payment credentials. If the amount has been deducted from your account without order confirmation, please do not place a second order for the same product. Within 48-hours, your order will automatically be confirmed by our system & a confirmation will be sent to you through Email and SMS. However, if your order is not confirmed or you get a payment declined message, please check with your bank for details or contact us. You may be required to submit a screenshot of your account statement.
Please stay rest assured that your amount will be refunded to you in case of failed order transaction.