1. Nature of Service
Smart KhataKart is a digital financial platform. We do not ship physical goods. This policy covers delivery of digital services, PVC membership cards (if applicable) and merchant settlements.
2. Digital Service Delivery
Upon successful registration and KYC approval:
• Customer account is activated within 24–48 hours
• QR code for shopping is available in the app
• Credit limit is assigned as per company policy
• Membership validity starts from approval/joining date
• Customer account is activated within 24–48 hours
• QR code for shopping is available in the app
• Credit limit is assigned as per company policy
• Membership validity starts from approval/joining date
3. PVC Membership Card
Physical PVC cards (if offered) are printed and dispatched to the registered address or collected from partner branch. Delivery timeline: 7–15 working days after KYC approval and card print mark. No shipping charge for standard delivery within service area.
4. Merchant Settlements
Merchant payouts are transferred to registered bank account as per settlement cycle (typically 7 days from transaction). UTR/reference is shared via SMS/WhatsApp and merchant dashboard.
5. Service Area
Currently we serve partner shops and customers in our registered operational areas. Expansion to new cities will be announced on this website.
6. Delays
We are not liable for delays caused by bank holidays, technical issues, incomplete KYC, or incorrect bank details provided by user.
7. Contact
Delivery / settlement queries: support@smartkhatakart.com