1. Payment Information

At The Carat Creations, we aim to make your shopping experience seamless and secure by offering a wide range of trusted payment options and full transparency in all financial transactions.

Once you’ve selected your lab-grown jewellery and entered your shipping details, you will be prompted to choose a payment method and enter your payment details. These may include credit/debit card details, UPI, net banking, wallet payments, or EMI options, as well as valid promo codes or gift cards.

2. Payment Authorization

By entering your payment details and placing your order, you:

• Authorize The Carat Creations and its authorized third-party payment processors to debit the full purchase amount from your selected payment method.
• Confirm that you are legally authorized to use the chosen payment method.
• Consent to identity verification procedures or fraud prevention checks if required to complete the transaction securely.

3. Accepted Payment Methods

We support a wide range of trusted and secure payment options:

• Credit/Debit Cards: Visa, Mastercard, American Express, RuPay
• UPI (Unified Payments Interface)
• Net Banking: Supported by Major Indian banks
• Digital Wallets: Google Pay, PhonePe, Paytm, Amazon Pay
• International Cards: Accepted with automatic currency conversion (additional charges may apply)
• EMI Options: Available on select credit cards (see below)

4. Standard (Equated Monthly Installment) EMI Options (India Only)

Customers in India can conveniently pay for their purchases through Standard EMI options offered by leading banks and credit card issuers. Details regarding eligibility, tenure options, and the applicable interest rates will be displayed at checkout through the payment gateway. Please note that all EMI plans are subject to the approval and terms set forth by the respective issuing bank. Interest and processing fees, if applicable, are determined and charged by your card-issuing bank through the payment gateway.

Note: In case of order cancellations or refunds, EMI will be reversed, and the refund processed according to our Returns & Refund Policy. Any interest already charged by the bank will not be reimbursed by Carat Creations.

5. GST Compliant Invoice

We issue a detailed GST-compliant invoice with every order, including HSN codes applicable to jewellery and diamonds, for both B2C and B2B customers. If you require a GST invoice for input credit, please enter your valid GSTIN at the time of checkout.

6. International Orders – Duties & Taxes

We ship globally and offer international checkout with transparent pricing. Where applicable:

• Custom Duties, customs charges, and import taxes may be included at checkout or billed separately, depending on your country’s regulations.
• Customers are responsible for understanding and complying with their local import laws.
• Estimated delivery timelines and shipping rates will be shown before finalizing the order.

7. Order Confirmation & Payment Failure

Orders are confirmed only upon successful payment authorization. In case of payment failure or technical issues, your order will not be processed, and you may be prompted to retry. Our customer support team is available to assist with any payment-related concerns.

8. EMI (Equated Monthly Installment) – Terms & Conditions

At The Carat Creations, we offer EMI (Equated Monthly Installment) options to make your lab-grown jewellery purchases more accessible and convenient.

• Eligibility: EMI Option is available for a minimum order value of ₹10,000 and above. EMI applies only to select credit cards issued by major Indian banks (e.g., HDFC, ICICI, SBI, Axis Bank, Kotak, etc.). EMI eligibility and tenure options are subject to the bank's discretion and policies.
• EMI Tenure Options: EMI Tenures available are: 3, 6, 9, and 12 months. Interest rates, if applicable, are determined by the issuing bank.
• Processing & Interest Charges: Interest rates and any additional processing fees will be levied by your card-issuing bank, if applicable. Please check the EMI details on the payment gateway page at checkout before confirming your order.
• Important Notes: The EMI facility is only available for online purchases made through the official website: www.thecaratcreation.com. In case of order cancellations or returns, the EMI will be cancelled, and the refund process will be initiated as per our refund policy. Processing time for EMI refunds may vary depending on the bank’s policy. Any interest already charged by the bank will not be refunded by The Carat Creations.

9. Refunds & Cancellations

Orders may be cancelled before shipment by contacting our support team. Refunds for cancelled orders or returned products (subject to our return policy) will be processed to your original payment method. Refunds typically take 15 business days, depending on your bank or payment provider.

10. Need Assistance

For any payment-related concerns or queries, reach out to our Customer Support team:

We are here to ensure a smooth, secure, and satisfying purchase experience for every customer.