Urbanladder.com does not collect or store your account information at all.
Your transaction is authorized at multiple points, first by PayU and subsequently by Visa/Mastercard/American Express/Banks directly without any information passing through Urban Ladder. However Urban Ladder 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.