Security

Safe and Secure Shopping

 

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Safe and Secure Shopping

Payment Options

What credit/debit cards are accepted on phoniyo?

We accept VISA, MasterCard, Maestro, Rupay, American Express,

What other payment options are available on phoniyo?

Apart from Credit and Debit Cards, we accept payments by Internet Banking (covering 44 banks), Pay-on-Delivery, Equated Monthly Installments (EMI), E-Gift Vouchers, PhonePe UPI and PhonePe wallet, Jio Money,PayTM

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

Your online transaction on phoniyo is secure with the highest levels of transaction security currently available on the Internet. phoniyo uses 256-bit 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 phoniyo are processed through secure and trusted payment gateways managed by leading banks. Banks 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 Secure Code" 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.

What steps does phoniyo take to prevent card fraud?

phoniyo realizes the importance of a strong fraud detection and resolution capability. We and our online payments partners monitor transactions continuously for suspicious activity and flag potentially fraudulent transactions for manual verification by our team.

In the rarest of rare cases, when our team is unable to rule out the possibility of fraud categorically, the transaction is kept on hold, and the customer is requested to provide identity documents. The ID documents help us ensure that the purchases were indeed made by a genuine card holder. We apologise for any inconvenience that may be caused to customers and request them to bear with us in the larger interest of ensuring a safe and secure environment for online transactions.

 

Does Phoniyo store my credit/debit card infomation?

phoniyo stores the first 6 and last 4 digits of your card number in a secure and encrypted manner. The first 6 digits (also known as the Bank Identification Number) are used to identify the bank name and country where your card was issued. The first 6 and last 4 digits are together used for fraud detection and prevention purposes.

Do you accept payment made by credit/debit cards issued in other countries?

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

You may use Internet Banking, Gift Card, Pay on Delivery and Wallet to make your purchase.

phoniyo also accepts payments made using Visa, MasterCard, Maestro and American Express credit/debit cards in India and 21 other countries.

Yes! We accept VISA, MasterCard, Maestro, American Express credit/debit cards issued by banks in India and in the following countries: Australia, Austria, Belgium, Canada, Cyprus, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, the Netherlands, New Zealand, Norway, Portugal, Singapore, Spain, Sweden, the UK and the US. Please note that we do not accept internationally issued credit/debit cards for eGV payments/top-ups.

Privacy Policy

Phoniyo.com respects your privacy and is committed to protecting it. For more details, please see our Privacy Policy

Contact Us

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Phoniyo India

Address : Phoniyo Private Limited Ramnagar, Varanasi-221008 CIN - U51909UP2019PTC118761 GSTIN- 09AAKCP6444J1ZW
E-mail : contact@phoniyo.com

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