Payment Terms

To pay for a Hi Tech xyz purchase, you can choose from several secure payment methods. Hi Tech xyz ensures that all transactions are protected using advanced encryption technology.

Accepted Payment Methods
• Credit/Debit Cards: Visa, MasterCard, and all kinds of credit cards.
• Internet Banking: Direct payment from your bank account.
• Digital Wallets: Amazon Pay, Paytm and other popular digital wallets.
• Other payment options: UPI/QR.

UPI/QR code
• If you choose UPI ID then you have to enter the UPI ID or phone number then you will see the total price flashing on the screen press on Continue and Pay, and they will redirect you to your UPI app and then complete the payment to confirm your order.
• If you select QR Code then the total price will flash on your screen, then select continue and pay to complete the payment.
NOTE: The QR Code option is only available on desktops not on mobile phones.

Net Banking
Hi Tech xyz provides net banking facilities by many Banks namely

1 Airtel Payments Bank
2 Allahabad Bank
3 AU Small Finance Bank
4 Bassein Catholic Co-operative Bank
5 Bank of Baroda - Retail Banking
6 Bank of Bahrein and Kuwait
7 Bandhan Bank
8 Bank of India
9 Central Bank of India
10 City Union Bank
11 Canara Bank
12 Union Bank of India (Erstwhile Corporation Bank)
13 Cosmos Co-operative Bank
14 Catholic Syrian Bank
15 Development Bank of Singapore
16 DCB Bank
17 Deutsche Bank
18 Dhanlaxmi Bank
19 ESAF Small Finance Bank
20 Equitas Small Finance Bank
21 Federal Bank
22 Fincare Small Finance Bank
23 HSBC
24 IDBI
25 ICICI Bank
26 IDFC FIRST Bank
27 Indian Bank
28 Indusind Bank
29 Indian Overseas Bank
30 Jammu and Kashmir Bank
31 Janata Sahakari Bank (Pune)
32 Jana Small Finance Bank
33 Karnataka Bank
34 Kalupur Commercial Co-operative Bank
35 Kalyan Janata Sahakari Bank
36 Kotak Mahindra Bank
37 Karur Vysya Bank
38 Lakshmi Vilas Bank - Retail Banking
39 Bank of Maharashtra
40 Mehsana Urban Co-operative Bank
41 North East Small Finance Bank
42 NKGSB Co-operative Bank
43 NSDL Payments Bank
44 PNB (Erstwhile-Oriental Bank of Commerce)
45 Punjab & Sind Bank
46 Punjab National Bank - Retail Banking
47 RBL Bank
48 State Bank of Bikaner and Jaipur
49 State Bank of Hyderabad
50 State Bank of India
51 State Bank of Mysore
52 State Bank of Travancore
53 Standard Chartered Bank
54 South Indian Bank
55 Saraswat Co-operative Bank
56 State Bank of Patiala
57 Suryoday Small Finance Bank
58 SVC Co-Operative Bank Ltd.
59 Syndicate Bank
60 Thane Bharat Sahakari Bank
61 Thane Janata Sahakari Bank
62 Tamilnadu Mercantile Bank
63 Tamilnadu State Apex Co-operative Bank
64 Union Bank of India
65 UCO Bank
66 Ujjivan Small Finance Bank
67 PNB (Erstwhile-United Bank of India)
68 Axis Bank
69 Varachha Co-operative Bank
70 Bank of Baroda - Retail Banking (Erstwhile Vijaya Bank)
71 Yes Bank
72 ZC
73 Zoroastrian Co-operative Bank

NOTE: If you are making the payment through Bank Transfer then there will be some convenience charges and if you are not willing to pay the convenience charges then you can complete the payment through NEFT (Bank transfer) and for that, you can contact customer support for the details. 

Digital Wallets
• Payment through digital wallets is a fast, convenient, and secure method of conducting transactions using mobile devices or computers.
• Digital wallets (e-wallets) are electronic systems that store users' payment information and passwords for numerous payment methods and websites.
• Popular digital wallets include
1 Amazon Pay
2 Paytm
3 Mobikwik
4 Freecharge
5 Airtel Payments Bank
6 Ola Money (Postpaid + Wallet)
7 JioMoney

Payment Security
•Secure Encryption: All payment details are encrypted to ensure confidentiality.
•Trusted Payment Gateways: Transactions are processed through reliable and secure gateways.

Are there any hidden charges when I purchase from Hi Tech xyz?

•There are NO hidden charges when you purchase from Hi Tech xyz. The prices listed for all the items are final and all-inclusive. The price you see on the product page is exactly what you pay for the product.
•In the sense of extra charges, you have to pay the shipping/delivery charges which will be visible on the checkout page.
•If you make the payment through Razorpay then there will be convenience charges (Transaction charges) which will be added which is 2.36% of the total amount (GST Included).
•If you are not willing to pay the convenience charges then you can complete the payment through NEFT (Bank transfer) and for that, you can contact customer support for the details.

What is Cash on Delivery?

•If you are not comfortable making an online payment on Hi Tech xyz, you can opt for the Cash on Delivery (COD) payment method instead. With COD you can pay in cash at the time of delivery of the product at your doorstep.
•For more details on cash-on-delivery charges, you can read your Cash on Delivery policy.

Is it safe to use my credit/debit card on Hi-Tech xyz?

•Your online transaction on Hi Tech xyz is secure with the highest levels of transaction security currently available on the Internet.
•All credit card and debit card payments on Hi Tech xyz are processed through secure and trusted payment gateways.

Will I get a full amount refund(including convenience charges) if I cancel the order??

•Yes, you will get a full amount refund (including convenience charges) only if we don't have the product, if you want to cancel the order from your end then there will be no refund of convenience charges (transaction charges) will also be applied which is mentioned in our refund and return policy.

What is the Hi Tech xyz credit card EMI option?

•With the Hi Tech xyz credit card EMI option, you can choose to pay in easy instalments of 3, 6, 9, 12, 18, or 24 months with credit cards or Cardless and other EMI from the following banks:

Credit Cards
1 HDFC Bank
2 ICICI Bank
3 Axis Bank
4 American Express
5 RLB Bank
6 CitiBank
7 Kotak Mahinndra Bank
8 Indusind Bank
9 HSBC
10 Standard Chartered Bank (12 months)
11 Yes Bank
12 Bank of Baroda
13 Federal Bank
14 One Card
15 IDFC FIRST BANK

Cardless and other EMI
1 OneCard
2 ICICI Bank Cardless EMI
3 EarlySalary

How do I make a payment using the Hi Tech xyz credit card EMI option?

•Once you've added the items to your shopping cart, proceed with your order as usual by entering your address after filling in the details choose prepaid and then click on Pay Now then it will redirect you to the Razor Pay payment platform. When you're prompted to choose a payment mode for your order, select 'EMI' & follow these simple steps:

STEP 1: Choose the credit card issuing bank you wish to pay from

STEP 2: Select the EMI plan of your preference

STEP 3: Enter your credit card details

STEP 4: Click 'Save and Pay'
• Please note that the full amount will be charged to your card on the day of the transaction.

Note:- No Refund for Certain SKUs

Products with SKUs that do not start with "0" are non-refundable. No refund will be provided for products whose SKUs start with any other number.

For any issues or assistance with payments, you can contact Hi Tech XYZ customer support.