Frequently Asked Questions

ShopSe facilitates purchases on instant No Cost EMIs - both online and in physical retail stores. The best part? There is no documentation required to get a pre-approved credit limit. You can unlock your credit limit just with your mobile number and complete your purchase instantly.

ShopSe is available at thousands of stores PAN India. We are expanding rapidly and will keep you updated on the stores we add near you. Download the ShopSe app to find stores near you, or spot the ShopSe QR at the merchant's checkout counter to know if they accept payments through us.

Yes, we support pre-approved EMIs from various banks which don't require you to have any credit card.

You can always try another credit/debit card or check eligibility through IIFL wherein you don't require a card to avail EMI.

The EMI transactions are done using your card. Adding them beforehand will let us do a quick check if your card is eligible for EMI transactions and pull the best offers available for you.

Yes. At ShopSe, we ensure full compliance with the security standards prescribed by the Payment Card Industry. ShopSe is PCI DSS certified, which makes sure that no unauthorised person can access sensitive payment data over the internet. ShopSe is also ISO 27001 certified, making it adhere to internationally recognized best practices when it comes to security.

Your credit limit is defined by your bank. You can discover the limit when you initiate your transaction. If you have a credit card, you can purchase upto your available credit limit.

You should contact the store from where you made the purchase. If the issue is still not resolved, you can call us on 080 6980 9292 or write to us at

This is due to the special upfront discounts available on ShopSe to provide to you No Cost/Low Cost EMI options.

If you have a credit card, the EMI will be billed to you in your monthly statement. If you transacted using a debit card/pre-approved EMI, the amount will be automatically debited from your bank account.

For Credit cards, the first EMI wiil be billed in your next statement. For Debit cards you will get the message from your bank regarding your payment schedule. Contact them for any further details.

You should get in touch with the merchant and they shall facilitate the refund for your transaction wherever applicable.

You can call us at 080 6980 9292 or drop us an email at

The interest rates are determined by your bank. You can see them during the transaction completion process. However ShopSe provides you discounts to make your EMIs more affordable.

ShopSe provides all possible options that are allowed by the bank.

ShopSe is only facilitating your transaction. You pay your EMIs directly to the bank. If you fail to pay your dues in time, the bank will get in touch with you.

You can scan the ShopSe QR displayed at the merchant store using the ShopSe app. You can also provide the merchant your phone number and you will get a link through SMS to make your payment.

You can make the payment on EMI for your purchase using this link.

Partial cancellation is not allowed for the purchase you made through ShopSe.

You will not be charged any additional charges for credit card transactions. However, for ICICI and HDFC debit card a one time fee of Rs. 199 or Rs. 99 will be charged respectively. This will charged along with your first EMI.