Frequently asked questions
Frequently asked questions
Got questions? We've got answers. Find everything you need to know here.
Got questions? We've got answers. Find everything you need to know here.
Got questions? We've got answers. Find everything you need to know here.
What is ShopSe?
ShopSe facilitates purchases on instant No Cost EMIs—both online and in physical retail stores. No documentation is required to get a pre-approved credit limit or offer. You can unlock your credit limit or offer just with your mobile number and complete your purchase instantly.
How is ShopSe different from traditional financing?
Traditional EMI/loan financing often requires: Full onboarding with an NBFC, KYC submission, Selfie verification, Repayment setup. With ShopSe: The customer only enters their mobile number, Selects preferred EMI tenure, Verifies via OTP, And completes the transaction instantly. Additionally, ShopSe is the only EMI platform offering all three financing models: Pre-Approved EMI (Banks) Credit Card EMI Digital Finance (NBFCs)
What types of financing does ShopSe offer?
ShopSe provides three distinct offerings: Pre-Approved EMI (Banks) – Instant EMI based on bank pre-approval. Credit Card EMI – EMI conversion on eligible credit card transactions. Digital Finance EMI (NBFCs) – Eligibility-based EMI via partnered NBFCs.
Which banks and lenders provide Pre-Approved EMI on ShopSe?
Currently, the following institutions provide Pre-Approved EMI: HDFC Bank ICICI Bank IDFC First Bank LazyPay EMI
Why do I have to add my card details?
EMI transactions are done using your card. Adding them beforehand allows ShopSe to quickly check if your card is eligible for EMI transactions and pull the best offers available for you.
Does a customer need an account with these banks?
Yes. To avail Pre-Approved EMI, a customer must either: Hold an active account with one of the listed banks, or Maintain an existing loan/credit relationship with them.
Can customers avail EMI using Credit Cards?
Yes. Any customer with a valid credit card from partner banks can convert transactions into EMI. All major issuers are supported, including HDFC, ICICI, SBI, Axis, RBL, Citi, Standard Chartered, HSBC, etc.
How is ShopSe’s Credit Card EMI offering unique?
Credit card EMI transactions often fail due to technical or banking issues. ShopSe provides real-time troubleshooting support, 7 days a week, ensuring customers successfully complete EMI bookings. The platform directly connects with banks when issues arise, minimizing transaction failures.
What premium amounts can be financed through ShopSe?
Offering Eligible Range Pre-Approved EMI ₹7,000 – ₹3,00,000 Credit Card EMI ₹3,000 – ₹5,00,000 Digital Finance (NBFC) ₹8,000 – ₹3,00,000
How will I pay my EMIs back?
If you have a credit card, the EMI will be billed to you in your monthly statement. If you have transacted using a debit/pre-approved/pre-qualified/other finance options, the amount will be automatically debited from your bank account
What are the interest rates charged?
Offering Effective Flat Rate Pre-Approved EMI 8% – 10% Credit Card EMI 8% – 9% NBFC EMI 9% – 12% ShopSe ensures lowest comparative rates through its lending partners.
What if a customer is not pre-approved or doesn’t have a credit card?
Such customers can opt for Digital Finance (NBFC) EMI. ShopSe automatically checks their eligibility across multiple NBFC partners.
What is the refund/cancellation process?
Refunds and cancellations follow the standard process of the insurance partner (HDFC ERGO in this case). ShopSe does not alter or override the refund flow.
How can customers seek support?
WhatsApp Groups – Dedicated groups are available for all zones/regions (sales & support queries). Customer Care Email: care@getshopse.com Phone: 080-69809292 Availability: Support is active 8 AM – 11 PM, 7 days a week. No paperwork or KYC is needed.
How can customers avail Pre-Approved EMI?
Enter mobile number Receive OTP Select EMI tenure Confirm transaction
Do customers need to submit KYC documents?
No. Since the bank pre-approves this facility, no KYC or paperwork is required.
What EMI tenure options are available?
Tenures vary by bank but typically include 3, 6, 9, and 12 months.
Which banks provide Pre-Approved EMI on ShopSe?
HDFC Bank ICICI Bank IDFC First Bank LazyPay
What is a KFS?
The Key Fact Statement is a mandatory loan disclosure document showing: Loan amount, Tenure, Interest rate, EMI schedule, Repayment details.
Why must customers agree to the KFS?
Agreeing ensures the customer has acknowledged and accepted loan terms before disbursement.
Can customers view the KFS before agreeing?
Yes. Customers can click “View in browser” to read the full KFS before proceeding.
Is KFS legally binding?
Yes. Once accepted, it becomes a formal acknowledgment between customer and lender.
What if a customer declines the KFS?
The EMI transaction will not be processed without agreement to KFS.
How can I pre-close or force-close the loan?
For pre-closure or force-closure, please get in touch with the respective bank.
Does KFS differ across lenders?
Cashback initiation: For applicable products and services, once the transaction is done, ShopSe initiates the cashback process. Add bank details: Please update your account details to receive cashback from the brand. Cashback processed by the bank: Once your account details are sent to the bank, cashback is processed from their end. Cashback credited to your bank: Within 90 days, cashback is auto-credited to your bank account. (getshopse.com)
Why is PAN required?
PAN ensures identity validation and cross-verification of the customer’s bank records.
Does entering PAN affect credit limit?
No. Providing PAN only enables verification and has no impact on pre-approved credit limits.
What additional details are required?
Address pincode Date of birth Email ID Marital status Employment type
Is this a full KYC process?
No. It is a lightweight verification step only. Full KYC is not needed.
What if the customer doesn’t have a PAN?
A valid PAN card is mandatory. Customers without PAN cannot proceed.
Is customer data secure?
Yes. ShopSe is PCI DSS compliant, and all customer data is encrypted and shared only with the respective bank/NBFC.
Can customers use any credit card for EMI?
Yes. ShopSe supports all major card issuers (HDFC, ICICI, SBI, Axis, RBL, Citi, Standard Chartered, HSBC, etc.).
What are the benefits of Credit Card EMI through ShopSe?
Instant EMI conversion without paperwork. Real-time support for failed transactions. Secure processing via Visa, Mastercard, and RuPay protocols.
What are the benefits of Credit Card EMI through ShopSe?
Instant EMI conversion without paperwork. Real-time support for failed transactions. Secure processing via Visa, Mastercard, and RuPay protocols.
Why do Credit Card EMI transactions sometimes fail?
Insufficient card limit Technical issues at bank’s end Incorrect details
How does ShopSe support in case of failure?
ShopSe provides 24x7 troubleshooting and directly coordinates with the issuing bank for resolution.
How does ShopSe support in case of failure?
ShopSe provides 24x7 troubleshooting and directly coordinates with the issuing bank for resolution.
What is ShopSe?
ShopSe facilitates purchases on instant No Cost EMIs—both online and in physical retail stores. No documentation is required to get a pre-approved credit limit or offer. You can unlock your credit limit or offer just with your mobile number and complete your purchase instantly.
How is ShopSe different from traditional financing?
Traditional EMI/loan financing often requires: Full onboarding with an NBFC, KYC submission, Selfie verification, Repayment setup. With ShopSe: The customer only enters their mobile number, Selects preferred EMI tenure, Verifies via OTP, And completes the transaction instantly. Additionally, ShopSe is the only EMI platform offering all three financing models: Pre-Approved EMI (Banks) Credit Card EMI Digital Finance (NBFCs)
What types of financing does ShopSe offer?
ShopSe provides three distinct offerings: Pre-Approved EMI (Banks) – Instant EMI based on bank pre-approval. Credit Card EMI – EMI conversion on eligible credit card transactions. Digital Finance EMI (NBFCs) – Eligibility-based EMI via partnered NBFCs.
Which banks and lenders provide Pre-Approved EMI on ShopSe?
Currently, the following institutions provide Pre-Approved EMI: HDFC Bank ICICI Bank IDFC First Bank LazyPay EMI
Why do I have to add my card details?
EMI transactions are done using your card. Adding them beforehand allows ShopSe to quickly check if your card is eligible for EMI transactions and pull the best offers available for you.
Does a customer need an account with these banks?
Yes. To avail Pre-Approved EMI, a customer must either: Hold an active account with one of the listed banks, or Maintain an existing loan/credit relationship with them.
Can customers avail EMI using Credit Cards?
Yes. Any customer with a valid credit card from partner banks can convert transactions into EMI. All major issuers are supported, including HDFC, ICICI, SBI, Axis, RBL, Citi, Standard Chartered, HSBC, etc.
How is ShopSe’s Credit Card EMI offering unique?
Credit card EMI transactions often fail due to technical or banking issues. ShopSe provides real-time troubleshooting support, 7 days a week, ensuring customers successfully complete EMI bookings. The platform directly connects with banks when issues arise, minimizing transaction failures.
What premium amounts can be financed through ShopSe?
Offering Eligible Range Pre-Approved EMI ₹7,000 – ₹3,00,000 Credit Card EMI ₹3,000 – ₹5,00,000 Digital Finance (NBFC) ₹8,000 – ₹3,00,000
How will I pay my EMIs back?
If you have a credit card, the EMI will be billed to you in your monthly statement. If you have transacted using a debit/pre-approved/pre-qualified/other finance options, the amount will be automatically debited from your bank account
What are the interest rates charged?
Offering Effective Flat Rate Pre-Approved EMI 8% – 10% Credit Card EMI 8% – 9% NBFC EMI 9% – 12% ShopSe ensures lowest comparative rates through its lending partners.
What if a customer is not pre-approved or doesn’t have a credit card?
Such customers can opt for Digital Finance (NBFC) EMI. ShopSe automatically checks their eligibility across multiple NBFC partners.
What is the refund/cancellation process?
Refunds and cancellations follow the standard process of the insurance partner (HDFC ERGO in this case). ShopSe does not alter or override the refund flow.
How can customers seek support?
WhatsApp Groups – Dedicated groups are available for all zones/regions (sales & support queries). Customer Care Email: care@getshopse.com Phone: 080-69809292 Availability: Support is active 8 AM – 11 PM, 7 days a week. No paperwork or KYC is needed.
How can customers avail Pre-Approved EMI?
Enter mobile number Receive OTP Select EMI tenure Confirm transaction
Do customers need to submit KYC documents?
No. Since the bank pre-approves this facility, no KYC or paperwork is required.
What EMI tenure options are available?
Tenures vary by bank but typically include 3, 6, 9, and 12 months.
Which banks provide Pre-Approved EMI on ShopSe?
HDFC Bank ICICI Bank IDFC First Bank LazyPay
What is a KFS?
The Key Fact Statement is a mandatory loan disclosure document showing: Loan amount, Tenure, Interest rate, EMI schedule, Repayment details.
Why must customers agree to the KFS?
Agreeing ensures the customer has acknowledged and accepted loan terms before disbursement.
Can customers view the KFS before agreeing?
Yes. Customers can click “View in browser” to read the full KFS before proceeding.
Is KFS legally binding?
Yes. Once accepted, it becomes a formal acknowledgment between customer and lender.
What if a customer declines the KFS?
The EMI transaction will not be processed without agreement to KFS.
How can I pre-close or force-close the loan?
For pre-closure or force-closure, please get in touch with the respective bank.
Does KFS differ across lenders?
Cashback initiation: For applicable products and services, once the transaction is done, ShopSe initiates the cashback process. Add bank details: Please update your account details to receive cashback from the brand. Cashback processed by the bank: Once your account details are sent to the bank, cashback is processed from their end. Cashback credited to your bank: Within 90 days, cashback is auto-credited to your bank account. (getshopse.com)
Why is PAN required?
PAN ensures identity validation and cross-verification of the customer’s bank records.
Does entering PAN affect credit limit?
No. Providing PAN only enables verification and has no impact on pre-approved credit limits.
What additional details are required?
Address pincode Date of birth Email ID Marital status Employment type
Is this a full KYC process?
No. It is a lightweight verification step only. Full KYC is not needed.
What if the customer doesn’t have a PAN?
A valid PAN card is mandatory. Customers without PAN cannot proceed.
Is customer data secure?
Yes. ShopSe is PCI DSS compliant, and all customer data is encrypted and shared only with the respective bank/NBFC.
Can customers use any credit card for EMI?
Yes. ShopSe supports all major card issuers (HDFC, ICICI, SBI, Axis, RBL, Citi, Standard Chartered, HSBC, etc.).
What are the benefits of Credit Card EMI through ShopSe?
Instant EMI conversion without paperwork. Real-time support for failed transactions. Secure processing via Visa, Mastercard, and RuPay protocols.
What are the benefits of Credit Card EMI through ShopSe?
Instant EMI conversion without paperwork. Real-time support for failed transactions. Secure processing via Visa, Mastercard, and RuPay protocols.
Why do Credit Card EMI transactions sometimes fail?
Insufficient card limit Technical issues at bank’s end Incorrect details
How does ShopSe support in case of failure?
ShopSe provides 24x7 troubleshooting and directly coordinates with the issuing bank for resolution.
How does ShopSe support in case of failure?
ShopSe provides 24x7 troubleshooting and directly coordinates with the issuing bank for resolution.
What is ShopSe?
ShopSe facilitates purchases on instant No Cost EMIs—both online and in physical retail stores. No documentation is required to get a pre-approved credit limit or offer. You can unlock your credit limit or offer just with your mobile number and complete your purchase instantly.
How is ShopSe different from traditional financing?
Traditional EMI/loan financing often requires: Full onboarding with an NBFC, KYC submission, Selfie verification, Repayment setup. With ShopSe: The customer only enters their mobile number, Selects preferred EMI tenure, Verifies via OTP, And completes the transaction instantly. Additionally, ShopSe is the only EMI platform offering all three financing models: Pre-Approved EMI (Banks) Credit Card EMI Digital Finance (NBFCs)
What types of financing does ShopSe offer?
ShopSe provides three distinct offerings: Pre-Approved EMI (Banks) – Instant EMI based on bank pre-approval. Credit Card EMI – EMI conversion on eligible credit card transactions. Digital Finance EMI (NBFCs) – Eligibility-based EMI via partnered NBFCs.
Which banks and lenders provide Pre-Approved EMI on ShopSe?
Currently, the following institutions provide Pre-Approved EMI: HDFC Bank ICICI Bank IDFC First Bank LazyPay EMI
Why do I have to add my card details?
EMI transactions are done using your card. Adding them beforehand allows ShopSe to quickly check if your card is eligible for EMI transactions and pull the best offers available for you.
Does a customer need an account with these banks?
Yes. To avail Pre-Approved EMI, a customer must either: Hold an active account with one of the listed banks, or Maintain an existing loan/credit relationship with them.
Can customers avail EMI using Credit Cards?
Yes. Any customer with a valid credit card from partner banks can convert transactions into EMI. All major issuers are supported, including HDFC, ICICI, SBI, Axis, RBL, Citi, Standard Chartered, HSBC, etc.
How is ShopSe’s Credit Card EMI offering unique?
Credit card EMI transactions often fail due to technical or banking issues. ShopSe provides real-time troubleshooting support, 7 days a week, ensuring customers successfully complete EMI bookings. The platform directly connects with banks when issues arise, minimizing transaction failures.
What premium amounts can be financed through ShopSe?
Offering Eligible Range Pre-Approved EMI ₹7,000 – ₹3,00,000 Credit Card EMI ₹3,000 – ₹5,00,000 Digital Finance (NBFC) ₹8,000 – ₹3,00,000
How will I pay my EMIs back?
If you have a credit card, the EMI will be billed to you in your monthly statement. If you have transacted using a debit/pre-approved/pre-qualified/other finance options, the amount will be automatically debited from your bank account
What are the interest rates charged?
Offering Effective Flat Rate Pre-Approved EMI 8% – 10% Credit Card EMI 8% – 9% NBFC EMI 9% – 12% ShopSe ensures lowest comparative rates through its lending partners.
What if a customer is not pre-approved or doesn’t have a credit card?
Such customers can opt for Digital Finance (NBFC) EMI. ShopSe automatically checks their eligibility across multiple NBFC partners.
What is the refund/cancellation process?
Refunds and cancellations follow the standard process of the insurance partner (HDFC ERGO in this case). ShopSe does not alter or override the refund flow.
How can customers seek support?
WhatsApp Groups – Dedicated groups are available for all zones/regions (sales & support queries). Customer Care Email: care@getshopse.com Phone: 080-69809292 Availability: Support is active 8 AM – 11 PM, 7 days a week. No paperwork or KYC is needed.
How can customers avail Pre-Approved EMI?
Enter mobile number Receive OTP Select EMI tenure Confirm transaction
Do customers need to submit KYC documents?
No. Since the bank pre-approves this facility, no KYC or paperwork is required.
What EMI tenure options are available?
Tenures vary by bank but typically include 3, 6, 9, and 12 months.
Which banks provide Pre-Approved EMI on ShopSe?
HDFC Bank ICICI Bank IDFC First Bank LazyPay
What is a KFS?
The Key Fact Statement is a mandatory loan disclosure document showing: Loan amount, Tenure, Interest rate, EMI schedule, Repayment details.
Why must customers agree to the KFS?
Agreeing ensures the customer has acknowledged and accepted loan terms before disbursement.
Can customers view the KFS before agreeing?
Yes. Customers can click “View in browser” to read the full KFS before proceeding.
Is KFS legally binding?
Yes. Once accepted, it becomes a formal acknowledgment between customer and lender.
What if a customer declines the KFS?
The EMI transaction will not be processed without agreement to KFS.
How can I pre-close or force-close the loan?
For pre-closure or force-closure, please get in touch with the respective bank.
Does KFS differ across lenders?
Cashback initiation: For applicable products and services, once the transaction is done, ShopSe initiates the cashback process. Add bank details: Please update your account details to receive cashback from the brand. Cashback processed by the bank: Once your account details are sent to the bank, cashback is processed from their end. Cashback credited to your bank: Within 90 days, cashback is auto-credited to your bank account. (getshopse.com)
Why is PAN required?
PAN ensures identity validation and cross-verification of the customer’s bank records.
Does entering PAN affect credit limit?
No. Providing PAN only enables verification and has no impact on pre-approved credit limits.
What additional details are required?
Address pincode Date of birth Email ID Marital status Employment type
Is this a full KYC process?
No. It is a lightweight verification step only. Full KYC is not needed.
What if the customer doesn’t have a PAN?
A valid PAN card is mandatory. Customers without PAN cannot proceed.
Is customer data secure?
Yes. ShopSe is PCI DSS compliant, and all customer data is encrypted and shared only with the respective bank/NBFC.
Can customers use any credit card for EMI?
Yes. ShopSe supports all major card issuers (HDFC, ICICI, SBI, Axis, RBL, Citi, Standard Chartered, HSBC, etc.).
What are the benefits of Credit Card EMI through ShopSe?
Instant EMI conversion without paperwork. Real-time support for failed transactions. Secure processing via Visa, Mastercard, and RuPay protocols.
What are the benefits of Credit Card EMI through ShopSe?
Instant EMI conversion without paperwork. Real-time support for failed transactions. Secure processing via Visa, Mastercard, and RuPay protocols.
Why do Credit Card EMI transactions sometimes fail?
Insufficient card limit Technical issues at bank’s end Incorrect details
How does ShopSe support in case of failure?
ShopSe provides 24x7 troubleshooting and directly coordinates with the issuing bank for resolution.
How does ShopSe support in case of failure?
ShopSe provides 24x7 troubleshooting and directly coordinates with the issuing bank for resolution.