Welcome to Phonepark. We are committed to providing secure, transparent, and flexible payment solutions for all our customers. Please read the following EMI & Payment Policy carefully before making a purchase.

EMI Eligibility

Phonepark offers Easy Monthly Installment (EMI) facilities on selected products through authorized partner banks and payment gateways.

To be eligible for EMI, the following conditions apply:

EMI is available only on eligible Credit Cards issued by participating banks.
Debit Cards, Prepaid Cards, and Mobile Financial Services (MFS) are not eligible for EMI.
The minimum purchase amount for EMI depends on the issuing bank’s policy.
Available EMI tenures may include 3, 6, 9, 12, 18, 24, or 36 months, subject to bank availability.
EMI approval is solely at the discretion of the card issuing bank.
Interest rates, processing fees, convenience charges, and all other applicable costs are determined by the respective bank.
Phonepark does not guarantee EMI approval for every transaction.
Promotional, clearance, bundle, or discounted products may not qualify for EMI offers.

Online EMI

Customers purchasing through www.phonepark.com.bd (or our official website) can enjoy Online EMI using supported Credit Cards.

Conditions include:

The Credit Card must have E-commerce Transaction
Online EMI is processed through our authorized Payment Gateway.
Customers must complete OTP verification and all security requirements imposed by their bank.
The final EMI tenure and applicable charges will be displayed during checkout, subject to bank approval.

In-Store EMI

Customers purchasing directly from Phonepark’s showroom can also enjoy EMI facilities.

Requirements:

A valid Credit Card issued by a participating bank.
Cardholder verification as required by the issuing bank.
Valid National ID (NID), Passport, or other government-issued identification may be requested if necessary.

Accepted Payment Methods

Phonepark currently accepts the following payment methods:

Cash Payment
Credit Card
Debit Card
bKash
Nagad
Rocket
Bank Transfer
Online Payment Gateway
QR Payment (where available)

Availability of payment methods may vary depending on the order type or purchase channel.

Advance Payment

Some products may require partial or full advance payment, including but not limited to:

Imported Products
Pre-Order Items
High-Value Devices
Customized Orders
Selected Cash on Delivery (COD) Orders

The advance payment amount will be communicated before order confirmation.

Payment Verification

For the protection of both customers and Phonepark, we reserve the right to verify payment information before processing any order.

Verification may include:

Customer identity verification
Phone or email confirmation
Payment verification with the issuing bank
Requesting additional supporting documents when necessary

Phonepark reserves the right to cancel any order if fraudulent activity or unauthorized payment is suspected.

Payment Failure

A payment transaction may fail due to various reasons, including:

Incorrect card information
Insufficient account balance or credit limit
Incorrect OTP verification
Bank authorization failure
Payment Gateway interruption
Internet or network issues

If payment is deducted but the order is not confirmed, customers are requested to contact our Customer Support immediately.

Transaction Charges

Certain payment methods may incur additional charges imposed by banks, Mobile Financial Services, or Payment Gateway providers.

These charges may include:

EMI Interest
Processing Fee
Convenience Fee
Gateway Charge
Bank Service Charge

Any applicable charge will be determined by the respective financial institution and shall be borne by the customer unless otherwise stated during promotional campaigns.

Order Confirmation

Orders will only be processed after successful payment confirmation.

After successful payment, customers will receive confirmation through one or more of the following:

Email
SMS
WhatsApp
Phone Call (if required)

Order Cancellation & Payment Refund

If an order is cancelled before shipment or cannot be fulfilled by Phonepark, any eligible refund will be processed according to our Refund Policy.

Refund processing time depends on the original payment method and the respective financial institution.

Security & Fraud Prevention

Phonepark follows industry-standard security practices to protect customer payment information.

However, customers are also responsible for:

Keeping OTP confidential.
Never sharing banking credentials with anyone.
Using only the official Phonepark website and verified payment links.
Reporting any suspicious transaction immediately.

Policy Updates

Phonepark reserves the right to modify, amend, or update this EMI & Payment Policy at any time without prior notice.

Any changes become effective immediately after publication on our official website.

Need Assistance?

For any questions regarding EMI, payment methods, banking support, or order payments, please contact us:

Phonepark

📧 Email: phonepark.bd@gmail.com

📞 Helpline: +8801301445599

N.B.

Please note that this EMI & Payment Policy forms an integral part of our Terms & Conditions. By purchasing products from Phonepark through our website, showroom, social media platforms, or customer support channels, you acknowledge that you have read, understood, and agreed to this policy. If you require further assistance, our Customer Support Team will be happy to assist you.