Financing
At Smart Carat we offer several Payment Options to our customers. Among those are wire transfer, personal check, certified check, money order, as well as major credit cards.
- Wire – Many customers purchasing items valued over $1,000 prefer paying by wire transfer. Wire transfer orders receive a 1.5% discount from our listed price. Customers paying by wire will receive wiring instructions once they have completed the check-out process. We must receive confirmation from our bank that a wire transfer has been completed before items can be shipped. All international orders, or order in excess of $20,000 must be paid via bank wire.
- Credit Card – Credit card orders can be placed online using our secure server or over the phone with our customer service department. Credit card orders will only be shipped to an address on file with the credit card company. For security purposes, Smart Carat may request additional documentation (such as drivers license, photocopy of credit card, etc) on some transactions.
- Personal Check/Certified Check/Money Order – When paying by personal check, certified check or money order, Smart Carat reserves the right to deposit and hold each payment for up to ten business days. All check payments that are not received within one week of the date when the order was placed will be cancelled. Each personal check and/or certified check must be drawn from a US bank account. Personal checks must also have the customer’s name and address imprinted on the front of the check. Customers paying by check will receive mailing instructions once they have completed the check-out process.
