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1.You won't typically get "empty packets" but there can be mismatch between what you ordered and what you get. E-commerce sites(rediff, indiatimes) in India are usually terrible. But it is changing. Sites like flipkart provide excellent service.

2. Most payment services are also terrible (ICICI, EBS).They even have a captcha in the payment page!. Some like Citibank are nice though

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Rediff and Indiatimes are the swamplands of online stores. Hesitant to even provide them my email-id leave alone banking details.

Not sure what issues you have with ICICI. I find them to be excellent. Not seen any captchas on their site. I think their number-grid security system is a decent one but would be happier with an SMS passcode system.

Are you talking abt ICICI's bank website or payment gateway? Their payment gateway is TERRIBLE. They have a captcha and the captcha code is apparently available in the source code

http://sushubh.net/2543-icici-bank-payment-gateway

I wouldn't trust ICICI with anything. Have found their systems to be typically poorly engineered. HDFC and Citi has been better

Hmm, I've not seen anything like that in payments I've made using them. Only used them for the past year or so and generally like their services (including their branch-less b2 service)

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