Payment Information

OM Electronics accepts following payment options

  1. MasterCard (Domestic Cards)
  2. VISA (Domestic Cards)
  3. Maestro (Domestic Cards)
  4. NetBanking (Domestic Cards)
  5. RuPay (Domestic Cards)
  6. Cash on Delivery – COD (Only Chennai)
S.No Destination (City/State) Payment Mode (*Domestic cards)
1 Chennai

How do I pay for a Luminous e Shop purchase?

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

You may use Internet Banking, Gift Card, Cash on Delivery and Wallet to make your purchase. Luminous e Shop also accepts payments made using Visa, MasterCard, Maestro credit/debit cards in India. Our online payment vendor have problem with American Expres Card. Please use some other credit/debit card.

Are there any hidden charges when I make a purchase on OM Electronics?

There are NO hidden charges when you make a purchase on OM Electronics. 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.

What is Cash on Delivery (COD)?

If you are not comfortable making an online payment on OM Electronics, 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.

The maximum order value for a Cash on Delivery (C-o-D) payment is 5000. It is strictly a cash-only payment method. Gift Cards or store credit cannot be used for C-o-D orders. Foreign currency cannot be used to make a C-o-D payment. Only Indian Rupees accepted.

How do I pay using a credit/debit card?

We accept payments made by credit/debit cards issued in India.

Credit cards

We accept payments made using 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.

Debit cards

We accept payments made using Visa, MasterCard and Maestro debit cards. 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 Luminous e Shop?

Your online transaction on OM Electronics is secure with the highest levels of transaction security currently available on the Internet. OM Electronics 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 OM Electronics 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 steps does Luminous e Shop take to prevent card fraud?

OM Electronics 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.

We accept payment through Internet Banking from all the major indian banks.

Can I make a credit/debit card or Internet Banking payment on Luminous e Shop through my mobile?

Yes, you can make credit card payments through the OM Electronics mobile site and application. OM Electronics uses 256-bit encryption technology to protect your card information while securely transmitting it to the secure and trusted payment gateways managed by leading banks.

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.