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Payment terms and conditions

  • All the payments towards the orders and/or any services shall be made in Indian Rupees only.
  • The information with respect to the accepted payment methods on IKEA shall be displayed at the time of making payment for an order which may include but not limited to credit card or debit card; net banking; UPI; wallet; IKEA gift cards or refund cards or any other RBI approved payment mode  as may be reflected during the checkouts from time to time.Cash on delivery is not accepted as a payment method at IKEA.
  • To facilitate the payments, you acknowledge and agree that IKEA may use certain third party vendors and service providers, including technology service providers and payment gateways, to process payments and manage payment card information. If you are directed to any third party payment processor, you will be subject to terms and conditions governing use of that third party’s service and we shall have no liability towards the same.
  • With respect to the payment details provided by you to avail the payment facility, you represent, warrant and covenant that you are legally entitled and/or authorized to provide such payment details and make payments using such payment details. You shall be solely liable for the payments done through payment details and you confirm that use of such payment details by you does not violate any applicable laws.
  • The payment facility provided by IKEA is neither a banking nor a financial service but is merely a facilitator providing an electronic, automated online electronic payment system, and receiving payment on orders placed IKEA using the authorized technology service providers, payment gateways, acquiring banks, as may be applicable.
  • You agree and confirm that in respect to certain payment methods, the respective issuer may charge you an additional fee i.e. transaction fees or other fees, for the purpose of processing your payment transaction. We do not display the exact amount, but inform the customer that additional charges will be applicable. This is only applied for credit card EMI transactions.
  • You agree that IKEA shall not be held accountable for any dispute arising out of or in connection with the any payment, to process payments and manage payment being offered by the respective banks or any third party or service providers. In case any payment is not processed or processed in different account at the time of refund. IKEA shall be released from such liability. 
  • IKEA shall not be held liable for any failed transaction, any delay or failure in crediting refunds, or any amount that remains pending or held at the bank’s end during a return process. 

 

EMI on Credit Cards:

  • The following terms and conditions (“EMI Terms”) will apply to all transactions made using equated monthly instalments (“Pay using EMI”) facility at IKEA and shall be in addition to and not in substitution of or derogation to the other terms and conditions. By opting for the EMI facility, customers (“You”) agree to be bound by these EMI Terms. 
  • You may opt for EMI payment method on purchases of values acceptable to the issuing bank, subject to availability of EMI facility from your issuing bank.
  • You agree and acknowledge that the EMI facility is not available on purchases made using UPI, Debit cards, net banking, wallet; IKEA gift cards or refund cards or other prepaid payment instruments
  • You can combine multiple products, into a single purchase and convert such purchase into an EMI.
  • You agree and acknowledge that the EMI facility is being offered by the respective issuing banks to you and IKEA has no role to play in the approval, extension, pricing (including any applicable taxes), modification, pre-closure, closure, repayment or any matter incidental thereto pertaining to offering of the EMI facility, which is decided at the sole discretion of the respective issuing bank.
  • You agree and acknowledge to be governed by the respective terms and conditions of the issuing bank offering the EMI facility and you agree to contact such bank in case of any complaint, dispute or enquiry about the EMI facility or any EMI transaction.
  • On a best effort basis, IKEA displays representative EMI related information for your purchase as per the information shared with IKEA by the respective payment service providers and issuing banks on an "as is" basis. You agree and acknowledge that the issuing banks are the authoritative source of this information and you agree that you shall directly contact the respective issuing bank for any clarifications/questions on the EMI facility.
  • You agree that IKEA shall not be held accountable for any dispute arising out of or in connection with the EMI facility being offered by the respective issuing banks including but not limited to the authenticity and/or accuracy of the EMI facility’s information supplied by such banks to IKEA for displaying on the IKEA ECOM checkout.
  • In the event that you cancel an order before the issuing bank converts such purchase into an EMI, you will be entitled to a full refund. However, in the event that you cancel the order after the EMI has been created and processed by the issuing bank, the applicable fee of the respective issuing bank as well as the relevant applicable taxes shall not be refunded back to you.
  • You understand and confirm that you shall be liable to pay the total value of the order at the time of payment in accordance with the terms applicable to the payment method, i.e., credit card. Such amount shall be converted to EMI by your issuing bank in accordance with respective internal policies.
  • IKEA does not charge you any processing or convenience fee for the purpose of facilitating the EMI facility.
  • You agree and acknowledge that IKEA reserves the right to stop facilitating the EMI facility on the IKEA online platform without any prior notice and/or amend these EMI Terms at its sole discretion.
  • You acknowledge and agree that IKEA shall merely facilitate the EMI options offered by banks and shall not be responsible in any manner whatsoever for any aspects of the EMI including restructuring, refund/return, foreclosure, etc. 

No cost EMI on Credit Cards:

  • You understand that by availing this No Cost EMI Offer, you will get an upfront discount equal to the EMI interest cost charged by the respective issuing bank, making it effectively no interest cost EMI.
  • You agree and acknowledge that all applicable taxes on interest and any other charges on the No Cost EMI Offer will be levied by the respective issuing bank.
  • You agree and acknowledge that the discount under this No Cost EMI Offer will be applicable only on opting for 'No Cost EMI ' option.
  • You agree and acknowledge that the No Cost EMI Offer shall not be deemed as a waiver of the EMI interest by the issuing banks.
  • You understand that the No Cost EMI Offer shall be applicable as per the directions and the discretion of the issuing bank.
  • You agree and acknowledge that IKEA will have no obligation or liability in the event the respective bank refuses or fails to process the No Cost EMI Offer for any reason whatsoever. 
  • You understand and acknowledge that in the event you fail to make timely payments of the EMI to the issuing bank, there may be additional interests/penalty which may be levied by the respective bank which may be higher than the discount offered under this No Cost EMI Offer. You further acknowledge that IKEA shall not be responsible or liable for any non-payment or delayed payment of the EMI by you. 
  • You agree and acknowledge that in case of any kind of return/refund in the EMI facility, interest already billed in a particular transaction will not be refundable to you under any circumstances whatsoever. 
  • You agree and acknowledge that the respective bank may charge processing/cancellation charges as per the bank’s policy. You agree to bear and pay all such charges. 
  • You agree and acknowledge that IKEA reserves the right to modify or cancel this No Cost EMI Offer at any time. 
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