Payment Policy

How you can pay

• We accept UPI, credit and debit cards, net banking and wallets through our payment partners Razorpay and PhonePe. EMI is available where the gateway offers it.
• All prices and payments are in Indian Rupees (INR) and include GST. Any shipping charge is shown before you pay.
• We currently accept prepaid orders only. Cash on delivery is not offered.
• There is no extra charge for any payment method.

Security

You enter your card, UPI or bank details only on the payment gateway’s own secure, PCI-DSS-compliant page. Arham Jewellers never sees or stores your card number, CVV, UPI PIN or banking password.

When your order is confirmed

Your order is confirmed when the gateway reports a successful payment and you receive our order confirmation by e-mail. You also receive a GST invoice showing each piece’s purity, weight and, where applicable, its HUID.

Failed or duplicate payments

If money is debited but your order is not confirmed, or you are charged twice, the gateway reverses the extra amount to your account automatically, usually within 5–7 working days. If it has not arrived, write to care@arhamsilver.com with the transaction reference and we will follow it up with the gateway.

Refunds

Approved refunds go back to the original payment method within 10 days of approval, without deductions. See our Cancellation & Refund Policy.

Disputes and chargebacks

If you do not recognise a payment or something has gone wrong with an order, please contact us first. We can usually resolve it within a day or two, which is faster than a dispute through your bank. You remain free to raise a dispute with your bank or card issuer, and we will respond to it with the order’s records.