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CaratPay is a fintech platform built exclusively for retail jewellers. We provide infrastructure to support metal booking and white-labelled gold and silver savings schemes through a single integrated system.

No. CaratPay does not sell digital gold, offer investment products, or promise returns. We operate as a technology and execution platform for jewellers.

CaratPay is available only to registered retail jewellers. End customers interact with their jeweller, not directly with CaratPay.

Jewellers can book gold or silver metal at prevailing market-linked prices through CaratPay. Metal booking is executed through our authorised third-party supply partner BRPL, either for inventory or against customer purchase plan collections.

Jewellers can launch white-labelled gold and silver savings schemes for their customers. Customer payments are collected digitally, and corresponding metal bookings are executed on behalf of the jeweller pursuant to customer authorisation.

All metal bookings are made on behalf of the participating jeweller. CaratPay does not claim ownership of the gold or silver at any point.

Yes. Jewellers can request physical delivery of gold or silver metal booked through the platform.

For Tier 1 cities, metal delivery to the jeweller’s registered address is typically completed within 2–3 business days from the date of a confirmed delivery request. Delivery timelines may vary based on location and logistics conditions.

Yes. Subject to availability and partner policies, jewellers may opt for self-pickup at designated locations.

No. Once a metal booking is executed through the third-party supply partner, it cannot be cancelled, as the metal is booked at live market prices and settled immediately.

No. Due to the nature of metal booking and immediate market settlement, refunds are not possible once a booking has been executed.

Exit, redemption, or adjustment terms are governed by the jeweller’s purchase plan rules. CaratPay facilitates the operational workflow but does not determine scheme terms.

No. Metal prices are market-linked, and availability is subject to supply partner conditions at the time of booking.

CaratPay operates as a technology and service provider, working with authorised payment and metal supply partners and complying with applicable commercial, tax, and operational laws.

The platform provides detailed transaction records, booking confirmations, and delivery status updates for jewellers to maintain clear audit trails.