EMI & Payment Policy

We accept the following payment methods in Bangladesh:

• Cash on Delivery (COD): Pay when you receive your order
• Online Banking: All major Bangladesh banks via SSL Commerz
• Credit/Debit Cards: Visa, MasterCard, American Express
• Mobile Financial Services: bKash, Nagad, Rocket, Upay
• EMI (Easy Monthly Installment): Available on selected credit cards and digital wallets

Eligibility

EMI is available on purchases above BDT 10,000. Supported cards:

• DBBL Credit Cards (3, 6, 9, 12 months)
• City Bank Credit Cards (3, 6, 9, 12 months)
• Standard Chartered Credit Cards (3, 6, 9, 12 months)
• BRAC Bank Credit Cards (3, 6, 9, 12 months)
• Eastern Bank Credit Cards (3, 6, 9, 12 months)

EMI Terms

• Interest rates vary by bank and tenure (typically 0% - 2.5% per month)
• Processing fees may apply as per bank policy
• EMI cannot be combined with other promotional discounts unless specified
• Bank approval is required for EMI transactions
• First installment is charged immediately upon purchase

• Available for orders up to BDT 50,000
• COD fee: BDT 50-150 depending on delivery location (Inside/Outside Dhaka)
• Payment must be made to the delivery person in cash or bKash/Nagad
• Please keep exact change ready for smooth delivery
• COD orders may require advance payment for high-value items

bKash

• Pay directly through bKash app or USSD (*247#)
• Transaction fee: 1.85% (borne by EpoKart)
• Instant order confirmation

Nagad

• Pay through Nagad app or USSD (*167#)
• Lower transaction fees
• Instant order confirmation

Rocket

• Pay through Rocket app or USSD (*322#)
• Available for all Dutch-Bangla Bank customers

All online transactions are processed through SSL Commerz, Bangladesh's leading payment gateway. Features:

• 256-bit SSL encryption
• PCI DSS compliant
• 3D Secure authentication for cards
• Instant payment confirmation
• Supported by all major Bangladesh banks

We ensure your payment information is protected:

• We never store your credit/debit card information
• All payments are processed through PCI-compliant gateways
• OTP verification for mobile banking transactions
• Encrypted data transmission

If your payment fails:

• Check your internet connection and try again
• Ensure sufficient balance in your account
• Verify card limits with your bank
• If amount is deducted but order not confirmed, it will be auto-reversed within 7-10 business days
• Contact our customer service for immediate assistance

For refund policy on payments, please refer to our Refund Policy. Generally:

• Online payments: Refunded to original payment method within 7-10 business days
• COD orders: Refund via bKash/Nagad or bank transfer
• EMI: Refund process may take 15-20 business days as per bank policy

• All prices are in Bangladeshi Taka (BDT)
• Prices include VAT where applicable
• Prices are subject to change without prior notice
• In case of price discrepancy, we will notify you before processing the order