What you pay, and how. We would rather tell you plainly what is and is not available than advertise a payment option you cannot actually use at checkout.
What is settled
Currency
All prices are shown and charged in Indian Rupees (INR).
Taxes
Prices include applicable taxes. There is no tax added at the final step.
Delivery charges
Shipping is free on all orders. No delivery charge is added at checkout or afterwards.
GST invoice
A GST invoice is provided on all orders. You do not need to request one.
Available payment methods
Payments on this store are processed by Cashfree, our payment provider. The methods available to you are those shown on the checkout page at the moment you order — that page remains the authority.
| Method | Status |
|---|---|
| Credit and debit cards | Available through Cashfree |
| UPI | Available through Cashfree |
| Net banking | Available through Cashfree |
| Wallets | Available through Cashfree |
| EMI and instalments | Available through Cashfree |
| Cash on delivery | Not offered |
EMI
EMI is available through Cashfree at checkout. The plans, tenures and issuing banks offered to you, and any interest or processing charge that applies, are those presented by Cashfree and your bank on the checkout page.
We do not display a monthly instalment figure on product pages. An instalment amount shown before a bank has approved a plan is a number nobody has agreed to, and it changes at checkout. The figures you see at checkout are calculated from the actual price of the item you are buying, by the provider that will service the plan.
Cash on delivery
We do not offer cash on delivery. All orders are paid for at checkout. This also means every refund has an original payment method to return to — see Returns & Refunds.
Payment security
Payment is taken through Cashfree, on their systems, over an encrypted connection. HomeCrest does not see or store your full card number, your UPI PIN or your net-banking credentials. We receive confirmation that a payment succeeded or failed and limited details such as the method used.
We will never ask you for a card number, a CVV, an OTP, a UPI PIN or a password — not by phone, email, WhatsApp or chat. If anyone claiming to be from HomeCrest asks for one, do not share it, and tell us.
Failed and duplicate payments
If money leaves your account but the order does not confirm, the payment has usually been authorised without being captured, and it is released back by your bank on its own timeline. Contact us with the amount, the date and the reference from your bank statement and we will check it against our records.
Refunds
Refunds are issued to the original payment method. We cannot refund to a different card or account. Approved refunds are released within 5–7 working days. See Returns & Refunds and Cancellation.
A question about paying?
If a payment has failed, been taken twice, or you need to know whether a method will be available before you order, ask us.