Buy now pay later

How it Works

1. Choose a Buy Now Pay Later as Payment

You will do this in your cart. You’ll need a Vairam Account to do this.

2. Fast Checkout

Once you create your account and make checkout, your service provider will charge your first payment, and we start processing your order right away.

3. Pay in 3 to 12 months interest-free payments

Adorn yourself with fine jewellery today and pay conveniently in 3 to 12 months accordingly.

Frequently Asked Questions

What is Buy Now, Pay Later (BNPL)?

Buy Now, Pay Later is a payment option that allows customers to make purchases immediately and pay for them in instalments over time, usually without interest.

Customers select BNPL at checkout, complete their purchase without paying the full amount upfront, and then pay in fixed instalments over a set period.

  • You will have immediate access to desired jewellery without paying the full amount upfront.
  • Flexibility to manage payments in smaller, more manageable instalments.
  • No interest or hidden fees for customers who make payments on time.

BNPL is typically available to customers meeting certain eligibility criteria, such as age, creditworthiness, and residency.

The minimum and maximum purchase amounts can vary depending on the BNPL provider and the customer's credit limit.

While many BNPL providers offer interest-free instillment plans, late fees may apply for missed payments.

Customers can usually sign up for BNPL directly at checkout or through the BNPL provider's website or app.

Yes, customers can typically return items purchased with BNPL according to the store's return policy. Refunds are usually processed in the form of a store credit or a reduction in the remaining installment balance.

Yes, reputable BNPL providers use secure encryption and data protection measures to ensure the safety of customer information

BNPL may impact credit scores depending on how payments are managed. Timely payments can help build credit, while missed payments can negatively affect credit scores.

Yes, customers can usually pay off their BNPL balance early without incurring any additional fees.

If a customer misses a payment, late fees may apply, and their credit score could be negatively impacted. It's essential to communicate with the BNPL provider to discuss payment options if difficulties arise.

Depending on the provider, BNPL may be available for both online and in-store purchases.

Yes, BNPL services are increasingly available in various countries worldwide, though availability may vary depending on the provider and location.