How to Order Products from PATOYS on 0% EMI via Snapmint Payment Gateway
How to Order Products from PATOYS on 0% EMI via Snapmint Payment Gateway
Are you looking to buy a premium kids' ride-on car, electric bike, or battery-operated toy for your child — but want to spread the cost over easy monthly instalments? PATOYS now offers 0% No-Cost EMI via Snapmint, India's trusted Buy Now Pay Later platform. Pay in 3, 6, or 9 monthly instalments with zero interest — subject to your CIBIL score and Snapmint credit line eligibility.
This article explains the complete step-by-step process to place your order on patoys.in using Snapmint — from product selection to doorstep delivery.
What is Snapmint?
Snapmint is an RBI-compliant Buy Now Pay Later platform that allows Indian shoppers to split purchases into easy monthly EMIs — often at 0% interest. Approval is instant, fully digital, and requires only your Aadhaar and PAN card for KYC. No credit card is required. However, EMI approval and credit limit are subject to your CIBIL score and Snapmint's internal credit line eligibility assessment. Not all applicants may qualify for the 0% plan or the full order amount.
Step-by-Step: How to Order from PATOYS on 0% EMI via Snapmint
Step 1 — Browse In-Stock Products
Visit www.patoys.in and browse our range of kids' ride-on toys, electric bikes, and battery-operated vehicles. Only products showing "In Stock" or "Add to Cart" are available for immediate dispatch. Do not order out-of-stock products if you need quick delivery.
Step 2 — Add to Cart
Click the "Add to Cart" button on the product page. Confirm the correct variant — colour, model, or size — before adding. Proceed to checkout when ready.
Step 3 — Enter Delivery Address
On the checkout page, enter your complete delivery address including your full name, house number, street, city, state, and PIN code. PATOYS delivers to every PIN code across India with free shipping on all orders.
Step 4 — Select Snapmint as Payment Method
On the payment page, select Snapmint from the available payment options (listed under Buy Now Pay Later or EMI). You will be redirected to the Snapmint platform to complete the credit approval process.
Step 5 — Login or Register on Snapmint
- New users: Enter your mobile number, verify via OTP, and complete KYC by submitting your Aadhaar and PAN card details. Snapmint will instantly check your CIBIL score and determine your eligible credit limit.
- Existing users: Log in with your registered mobile number and OTP. Your pre-approved credit limit will be displayed.
⚠️ Important: EMI approval is subject to your CIBIL score and Snapmint's credit line eligibility. If your application is not approved, you may choose an alternative payment method at checkout.
Step 6 — Choose Your 0% EMI Tenure
Snapmint will display available EMI plans based on your approved credit limit and order value. Select your preferred repayment tenure:
- 3 Months — Shortest repayment period
- 6 Months — Most popular choice
- 9 Months — Maximum flexibility
Always select the plan clearly marked as "0% Interest" or "No Cost EMI". Read the plan terms carefully before confirming to avoid any interest charges.
Step 7 — Review & Approve the Loan Agreement
Snapmint will present a digital loan agreement showing your EMI schedule, total payable amount, and monthly due dates. Review all details carefully and click "Approve" to confirm the agreement.
Step 8 — Pay the Down Payment (If Applicable)
Some EMI plans may require a down payment (first instalment) at the time of purchase. This can be paid via:
- UPI — Google Pay, PhonePe, Paytm, or any UPI app
- Debit Card
Step 9 — Order Confirmed
Once Snapmint approves your payment, your order is confirmed on PATOYS. You will receive an order confirmation message from both PATOYS and Snapmint. Please read the important dispatch and cancellation information below before placing your order.
⚠️ Important: Dispatch Timeline & Cancellation Policy
Order Dispatch Timeline
All confirmed orders are dispatched within a minimum of 4 business days from the date of order receipt. This allows PATOYS to quality-check, pack, and hand over your product to the logistics partner. Delivery time after dispatch depends on your location — typically 3 to 7 additional business days across India.
Order Cancellation — Please Read Carefully
Orders placed via Snapmint EMI cannot be cancelled once confirmed. Here is why:
When you place an order using Snapmint, PATOYS pays a Return on Transaction (ROT) charge of up to 15% to the bank or lending partner as part of the EMI facilitation process. This charge is paid upfront by PATOYS at the time of order confirmation and is non-refundable under any circumstances.
Therefore, if a buyer requests cancellation after order confirmation — even before dispatch — the following applies:
- The order cannot be cancelled once the Snapmint payment is approved and the order is confirmed.
- Bank and processing charges paid by PATOYS (up to 15% ROT) are non-refundable in any case.
- Any applicable bank or Snapmint cancellation charges will be borne by the buyer and will be deducted from any refundable amount.
- PATOYS strongly advises buyers to be fully certain of their purchase before completing the Snapmint EMI process.
By completing the Snapmint payment and confirming your order on patoys.in, you acknowledge and agree to these terms.
Currently Available Products Above ₹10,000 — Order on 0% EMI
The following products are currently in stock and available for immediate order. All prices are inclusive of GST.
| Product | Price | Link |
|---|---|---|
| INJUSA Licensed Aprilia Racing 12V Electric Ride-On Dirt Bike | Kids 3–6 Years | Silver | ₹24,999 | Buy Now |
| F1 Champion Kids Ride-On Car | Electric Racing Kart for Children | Ages 3–8 Years | ₹25,999 | Buy Now |
| Vespa Matte Finish Kids Ride-On Scooty | Battery Operated with Remote | ₹14,999 | Buy Now |
| Rolls Royce Style Ride-On Electric Car for Kids 3–10 Years | 12V with Remote Control | ₹15,499 | Buy Now |
| Bullet Style Kids Ride-On Bike | Classic Cruiser 12V Battery Operated | Ages 3–7 Years | ₹13,999 | Buy Now |
👉 Browse All In-Stock Ride On Toys →
PATOYS Shipping, Return & Refund Policy
- 🚚 Free Delivery — Pan-India free shipping to every PIN code.
- 📦 Dispatch Time — Minimum 4 business days from order receipt date.
- 🔄 Return & Refund Policy — Read Full Policy →
- 🔒 Privacy Policy — Read Here →
- 📋 Terms of Service — Read Here →
Why Buy from PATOYS?
- ✅ Registered Trademark — TM No. 4069728 (Class 28) & 4069726 (Class 35) | Owner: Himanshu Agarwal | Verified at ipindia.gov.in
- ✅ GST Registered — GSTIN: 09AGLPA4499A1ZF | Legal GST Invoice with every order
- ✅ 100% Online Store — Only at patoys.in — No physical stores, no third-party sellers
- ✅ Free Pan-India Delivery — Every PIN code, every order
- ✅ Genuine Products — Sourced from official manufacturers and authorised import stock
⚠️ Beware of Online Scams
Fake sellers on social media and WhatsApp frequently offer kids' ride-on toys at extremely low prices — often asking for ₹500 to ₹2,000 as advance — and disappear after receiving payment. Always demand a GST number and a proper GST invoice with the correct product name, quantity, HSN code, and applicable tax before making any payment. NCH, banks, and UPI platforms cannot act against unregistered entities. PATOYS is GST registered (GSTIN: 09AGLPA4499A1ZF) and provides a legal GST invoice with every order.
Frequently Asked Questions
Is Snapmint EMI approval guaranteed?
No. Snapmint EMI approval is subject to your CIBIL score and Snapmint's internal credit line eligibility assessment. Not all applicants will qualify. If your application is declined, you can choose an alternative payment method at checkout.
Do I need a credit card for Snapmint?
No. Snapmint works without a credit card. You need only your Aadhaar and PAN card for KYC verification.
Can I cancel my order after Snapmint payment is approved?
No. Orders confirmed via Snapmint EMI cannot be cancelled. PATOYS pays up to 15% ROT (Return on Transaction) to the bank at the time of order confirmation. This charge is non-refundable. Any bank or processing charges arising from a cancellation request will be borne by the buyer and are non-refundable in any case.
When will my order be dispatched?
All orders are dispatched within a minimum of 4 business days from the date of order receipt. Delivery after dispatch typically takes 3 to 7 additional business days depending on your location.
What is the minimum order value for Snapmint EMI?
Snapmint EMI is generally available on orders above ₹3,000. For maximum benefit, it is best suited for orders above ₹10,000.
Does PATOYS have a physical store?
No. PATOYS operates exclusively online at patoys.in. There are no physical retail stores or authorised dealers anywhere in India.
What if my CIBIL score is low?
If Snapmint declines your application due to a low CIBIL score or insufficient credit history, you can pay via UPI, Debit Card, Net Banking, or Credit Card EMI at checkout.
Is there any interest on the 0% EMI plan?
On plans clearly marked as "0% Interest" or "No Cost EMI," there is no interest charged to the buyer. Always confirm the plan details on the Snapmint screen before approving the loan agreement.
Contact PATOYS
📞 WhatsApp / Call: +91 8010110811
🌐 Website: www.patoys.in
💬 Delivering Papa's Love