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Payment Options

How do I pay for a 10Kya purchase?

10Kya offers you multiple payment methods. Whatever your online mode of payment, you can rest assured that 10Kya’s trusted payment gateway partners use secure encryption technology to keep your transaction details confidential at all times.


You can pay by all major credit cards (including American Express) and debit cards (including Maestro cards) issued by Indian banks. You can also use Internet Banking and Cash on Delivery to make your purchase.


Are there any hidden charges (Octroi or Sales Tax) when I make a purchase on 10Kya?

There are zero hidden charges when you make a purchase on 10Kya. 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. In fact, we waive off the shipping charge for delivery on orders worth ₹501 and over.


What is Cash on Delivery?

If you are not comfortable making an online payment on, you can opt for the Cash on Delivery (C-o-D) payment method instead. With C-o-D you can pay in cash at the time of actual delivery of the product at your doorstep, without requiring you to make any advance payment online.


Are there any terms and conditions for a Cash on Delivery purchase?

The maximum order value for a Cash on Delivery (C-o-D) payment is ₹20,000. It is strictly a cash-only payment method. E-Gift Vouchers or store credit cannot be used for C-o-D orders. Foreign currency cannot be used to make a C-o-D payment.


How do I pay using a credit card?

We accept all VISA, MasterCard and American Express Credit Cards.

To pay using your credit card at checkout, you will need your card number, expiry date, three-digit CVV number (found on the backside of your card). After entering these details, you will be redirected to the bank's page for entering the online 3D Secure password.


How do I pay using a debit card?

We accept debit cards issued by all banks in India. To pay using your debit card at checkout, you will need your card number, expiry date (optional for Maestro cards), three-digit CVV number (optional for Maestro cards). You will then be redirected to your bank's secure page for entering your online password (issued by your bank) to complete the payment.


Is it safe to use my credit/debit card on 10Kya?

Your online transaction on 10Kya is secure with the highest levels of transaction security currently available on the Internet. 10Kya uses latest encryption technology to protect your card information while securely transmitting it to the respective banks for payment processing.


All credit card and debit card payments on 10Kya are processed through secure and trusted payment gateways managed by leading Indian banks. Banks in India now use the 3D Secure password service for online transactions, providing an additional layer of security through identity verification.


What is a 3D Secure password?

The 3D Secure password is implemented by VISA and MasterCard in partnership with card issuing banks under the “Verified by VISA” and “Mastercard SecureCode” services, respectively.


The 3D Secure password adds an additional layer of security through identity verification for your online credit/debit card transactions. This password, which is created by you, is known only to you. This ensures that only you can use your card for online purchases.


How can I get the 3D Secure password for my credit/debit card?

You can register for the 3D Secure password for your credit/debit card by visiting your bank’s website. The registration links for some of the banks have been provided below for easy reference:


State Bank of India



Punjab National Bank

Axis Bank

Corporation Bank

Andhra Bank

Bank of Baroda

Standard Chartered India

Union Bank of India

Central Bank of India


Deutsche Bank

Dhanlakshmi Bank


ING Vysya Bank

IndusInd Bank

Jammu & Kashmir Bank

Kotak Mahindra Bank

Karur Vysya Bank

Oriental Bank of Commerce

South Indian Bank

Vijaya Bank

Canara Bank

Can I use my bank's Internet Banking feature to make a payment?

Yes. 10Kya offers you the convenience of using your bank’s Internet Banking service to make a payment towards your order. With this you can directly transfer funds from your bank account, while conducting a highly secure transaction.


Can I make a credit/debit card or Internet Banking payment on 10Kya through my mobile?

While you can make purchases through mobile using the Cash on Delivery payment option, we are currently unable to process credit/debit card, Internet Banking payments through the 10Kya mobile site and application. We plan to offer this option in the future. We will keep you posted.


Meanwhile, smartphone/tablet users with browsers that support secure browsing can access the main site, access their account and make purchases. We recommend shoppers to check their browser’s specs before they attempt to make any purchases on 10Kya through their smartphones or tablets.


How does 'Instant Cashback' work?

The 'Cashback' offer is instant and special benefit to Customers. You only pay the final price you see in your shopping cart.


How do I place a Cash on Delivery (C-o-D) order?

All items that have the "Cash on Delivery Available" icon are valid for order by Cash on Delivery.


Add the item(s) to your cart and proceed to checkout. When prompted to choose a payment option, select "Pay By Cash on Delivery".  

Once verified and confirmed, your order will be processed for shipment in the time specified, from the date of confirmation. You will be required to make a cash-only payment to our courier partner at the time of delivery of your order to complete the payment.


Terms & Conditions:

  • The maximum order value for C-o-D is ₹20,000
  • e-Gift Vouchers or Store Credit cannot be used for C-o-D orders
  • Cash-only payment at the time of delivery.
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