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Payment Terms ensures that every transaction you conduct with us is in safe and secure environment . We value the trust you place in us. Please read this document on payments and how we ensure security.

  • What are the payment options which Arra provides me?

    At Arra you can shop with any of the following options on our website:


    1. Visa, Master Card and Maestro Card.
    2. Debit card.
    3. Credit Card EMIs (Kotak, SBI, Axis, ICICI, HDFC, Citibank)
    4. We currently support Net banking including all major banks like ICICI, HDFC, Citibank, SBI, Axis etc.
    • What should I keep handy for my online transaction?

    1.       For Credit Cards keep your card which has the details of card holder name, number, CVV and expiry date. Apart from this you also need to have your 3D secure password / OAC.

    2.       For Debit Cards keep your card which has the details of card holder name, number, CVV and expiry date. You will be redirected to the bank site for 3D secure authorization. So keep your OAC or IPIN handy as well.

    3.       For Net Banking you need to keep your account number as well as your PIN handy.


    • Does ARRA store my card or account information?
    • ARRA does not collect or store your account information at all. Your transaction is authorized at multiple points, first by PayU and subsequently by Visa/ Master card /Banks directly without any information passing through us. However, we monitor and review transactions on an on-going basis, to identify potentially fraudulent situations and take immediate corrective steps to mitigate/limit any damage caused/likely to be caused from the same.


    • Will I be asked to share card information, account information or passwords over phone or email?
    • The ARRA team will never request you to share any of your payment details over email or over phone.


    • What should I do if a transaction fails?
    • Transactions could fail due to multiple reasons. Please check for the following:
      1. Information passed on to payment gateway is accurate i.e.: account details, billing address, password (for net banking)
      2. Your Internet connection is not disrupted in the process

    If your account has been debited after a payment failure, it will be rolled back within 7 working days. Please direct all questions and further clarifications regarding the above statement to