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Payment Methods We Accept

Saranam.com through our payment processing company accepts American Express, Diners Club, Discover, JCB, MasterCard, Eurocard, Visa, Visa Check Cards and checks, money orders, or cashier's checks denominated in Rupees and drawn on an Indian bank. Additionally, we accept direct wire transfers.

VISA, MASTER CARD, AMERICAN EXPRESS, DINERS CLUB, CITIBANK E-CARDS, JCB CARDS AND ONLINE BANKING INTERFACES.

Our payment gateway CCAvenue has been approved as a Super/Master Merchant by Citibank, ICICI Bank, American Express, UTI Bank, IDBI Bank, Centurion Bank and HDFC Bank. This new technology solution allows e-merchants to accept online payment from their customers, via any of the following credit card brands.

	MasterCard: MasterCard International is a global payments company with one of the most recognized and respected brands in the world. With 32 million acceptance locations, no payment card is more widely accepted globally than MasterCard. Last year, MasterCard handled transactions worth US$285 billion.
	VISA:The world's most preferred card. There are more than one billion cards in circulation, with unsurpassed acceptance in more than 150 countries. Visa-branded cards generate US$2.4 trillion in annual card sales volume. Nearly half of this in US alone.
	American Express: The world's favorite card. More than 57 million cards in circulation and growing! Around US $ 123 billion was spent last year through American Express Cards and it is poised to be the world's No. 1 card in the near future. In a regressive US economy last year, the total amount spent on American Express cards rose by 4 percent. American Express cards are especially popular in the U.S., Canada, Europe and Asia and are used widely in the retail and everyday spend categories.
	Diners Club International :The world's No. 1 Charge Card. Diners Club cardholders reside all over the world and the Diners Card is an old corporate favorite. There are more than 8 million Diners Club cardholders. They are affluent and are frequent travelers in premier businesses and institutions, including Fortune 500 companies and leading global corporations.
	JCB Cards: The JCB Card has a merchant network of 10.93 million spanning 189 countries. It is supported by more than 320 financial institutions worldwide and serves more than 48 million cardholders in 18 countries. The JCB philosophy of "identify the customer's needs and please the customer with Service from the Heart" is paying rich dividends as their customers spend US$43 billion annually on their JCB cards.
	Citibank E-Cards The new initiative of Citibank, launched to promote safe and secure E-shopping.

CCAvenue.com allows e-merchants to extend and integrate their websites to this payment gateway facility, and to accept payment from their customers. This is done by directly debiting from the customers' online account in any of the following banks/divisions.

	HDFC Online BankingOne of the first private sector banks in India and constantly voted as the best new upcoming company of the year for the last two years, HDFC Bank currently lists over 1 million account holders in the major metros alone.
	Citibank NRI Account Holders With over 160,000 Non-Resident Indian Account Holders, holding a minimum balance of Rs. 10 lakhs, this is voted as the most preferred bank of the NRIs.
	Citibank Current Account Holders Consists of over 300,000 Resident Indian Account Holders, with a minimum balance of Rs. 1 lakh.
	Citibank Suvidha Account Holders This category includes over 150,000 highly tech-savvy Account Holders from Bangalore, Mumbai and Delhi alone.
	ICICI Bank.com Net banking Account Holders: ICICI Bank is India's second-largest bank with total assets of about Rs.112,024 crore and a network of about 450 branches and offices and about 1750 ATMs. It has over a million internet banking account holders.
	IDBI i Netbanking Account Holders:IDBI Bank has a network that today spans 61 cities, 82 branches & 244 ATMs.The bank currently has over half a million customer accounts and is now-poised to touch a million during next 12-18 months.
	UTI iConnect Net banking Account Holders: UTI Bank has a very wide network of 145 branch offices, 27 Extension Counters, 22 service counters, over 516 ATMs and is agressively persuing its online iConnect net banking initiative.
	Oriental Bank of Commerce - Global Trust Bank Global Trust Bank is a technology driven bank which has been recently been merged with the Oriental Bank Of Commerce. The OBC is over 60 years old and its original foundation of customer service has remained Oriental Bank's prime philosophy and has been nurtured well year after year. With 989 branches and over 13500 employees, it is, today, one of India's leading banks.
	Centurion Bank: With a network of 116 ATM's, spanning across 43 cities and towns across India, Centurion Bank was one of the earliest banks to provide Telephone banking, PC Banking and Internet Banking to its customers.
	THE FEDERAL BANK LTD is a regional banking giant with strong national presence and global reach. From its humble beginning as Travancore Federal Bank Ltd. almost 5 decades ago, Federal Bank has grown to become India's largest private sector bank and is now the largest scheduled commercial bank in Kerala. Today it has more than 2 million account holders and has more than 400 branches worldwide. It has strong patronage of NRI Community and NRI deposits constitute 28 % of its total deposits. In the year 2000, Federal Bank launched its Internet Banking Facility "FedNet", which is hugely popular with NRI's based in the Middle East.
	Bank of Punjab Ltd. Bank of Punjab opened its first branch at Chandigarh, in April 1995. The bank has grown from a deposit base of Rs. 2342.17 Crores in the first year ended March 1996, to Rs. 3244.76 Crores, in the year ended December, 2001, an annualized growth of 200% over the last 4 years. At its very inception, the bank's public issue in March 1995 of Rs. 29.52 million was over subscribed 20 times. Bank of Punjab has a wide area network of branches across the country. Customers in excess of 55,63,07 serviced by a team of 961 dedicated professionals. The bank has established correspondent banking relationships across 60 countries. The Bank is positioning itself at the leading edge of technology and is coming out with various technology driven products and services for its customers. On the anvil are Debit and Credit cards, Smart Cards and Online e-commerce.
	Punjab National Bank: Established in 1895 at Lahore, undivided India, Punjab National Bank (PNB) has the distinction of being the first bank to have been started solely with Indian capital. From its modest beginning, the bank has grown in size and stature to become a front-line banking institution in India at present. Punjab National Bank (PNB) is today, serving over 3.5 crore customers through 4474 offices, largest amongst Nationalized Banks. PNB operates at the cutting edge of technology for its customers and offers innovative services to its customers, such as Free Tele-banking / Fax Banking facility, and Centralized Banking Solution (CBS), an inter-branch networking and data sharing platform which makes 'Anytime Anywhere ' banking a reality for its customers.

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