Ordered but hasn't made a payment yet. Why they still charge for online payments through online/debit /credit card.
I chose the free option of rtgs.
Because payment gateway charges are separate.e.g.when you pay on any offline shop which uses card reader machine then you can see some bank's logo on it which is the issuing bank of these machines & shopkeeper has to pay some commission for every transaction(rbi has reduced this though & made transactions under 2000 completely free). Similarly,on online sites you see payment gateways "powered by billdesk/icici etc" which again charges commission for every transaction as it is their network which handles the processing of transactions. Big online sites can afford to keep it free but not small/typical online sellers. neft(rtgs is only for above 2 lakh),imps,upi are free because it directly transfers money from your account to shopkeeper's bank account with no payment gateway in between so no extra charges.
Adata ram is also good,5135 for 16gbis a good deal.
For ssd,if you want cheap then Buy Online Kingston A400 2.5 inch 240GB SATA III TLC SSD SA400S37/240G In India
However I suggest this which is much better & faster Buy Online Crucial MX500 2.5″ 250GB SATA III 3D SSD CT250MX500SSD1 In India
same process,call/email them & transfer money directly to their account to get cheaper price.