Partial Payment Policy

How Partial Payment Works:


We offer Partial Cash on Delivery (COD) to provide flexibility:

  • Initial Payment (Online): Pay a portion of your order total upfront during checkout.

  • Due Amount (Later): Pay the remaining balance online before delivery OR in cash to the delivery agent.

Payment Structure

  • Upfront Payment: A non-refundable deposit of [X% of order total] or [Fixed Amount, e.g., ₹500] is charged when you place your order.

  • Due Amount: Online Payment: Pay via UPI, card, wallet, or bank transfer using a payment link we’ll email/SMS to you.

  • Cash on Delivery (COD): Pay cash to the agent upon delivery.

Order Confirmation

  • Your order is confirmed only after the initial payment is successful.

  • You’ll receive an email/SMS with:

    • Order summary + initial payment receipt.

    • Due amount and instructions to pay online (if chosen).

Delivery Process

  • If you chose Cash on Delivery:

    • Inspect your package before paying the due amount.

    • Refuse delivery if the package is damaged/tampered.

  • If you pre-paid online:

    • No cash is due at delivery. Simply accept your order!

Cancellations & Refunds

  • Initial Payment: Non-refundable after 24 hours (covers processing fees).

  • Due Amount Paid Online:

    • Fully refundable if canceled before shipping.

    • Non-refundable if canceled after shipping (return shipping fees apply).

  • Failed Deliveries:

    • After 2 attempts, the order is canceled. Initial payment is forfeited; online due payments are refunded.


Exclusions (e.g., Discount Coupons)

Please note that discount coupons and other promotional offers may not be applicable to orders placed using the Partial Payment option, unless specified otherwise. The advance payment amount remains fixed.


Your Agreement

By choosing the "Partial Payment (Advance + COD)" option at checkout, you acknowledge that you have read, understood, and agree to the terms and conditions outlined in this policy.

For any questions, please do not hesitate to contact our Customer Support team. We are here to help!

STORE LOCATOR

Discover the Elegance of Natkina: Your Destination for Exquisite Jewelry!
Step into our sophisticated world at Natkina, located conveniently in the heart of luxury. Our boutiques, spanning from the historic streets of Geneva to the bustling cityscape of Qatar, offer a unique and personal shopping experience for every client. Explore our locations to find the nearest gem of high-end jewelry near you.

Zurich, Jelmoli

Monday — Friday: 10AM–8PM
Saturday: 9AM–8PM 
Sunday: Closed

Nice, Cap 3000

Monday — Saturday: 8:30–21:00
Sunday: 9:00–20:00

Qatar, Doha Festival City Umm Salal Muhammed

Sanday to Wednesday: 10AM–10PM
Thursday: 10AM–12AM
Friday: 1PM–12AM
Saturday: 10AM–12AM

Geneva, Grand Magasin Globus

Friday: 9AM–7:30PM
Saturday: 9AM–6PM 
Sunday: Closed
Monday — Wednesday: 9AM–7PM
Thursday: 9AM–8PM

 

As a child, I had no reason to doubt that heroes exist. I saw such a hero nearby — it was my mother, Natalia Netovkina. A single mother, with three daughters, who never gave up and fought every minute to ensure that my sisters and I had everything. Our family is from a small town in Ukraine. From a young age, I remember how much my mother worked to build her jewellery business, which she was so passionate about. She was alone, against the whole world. Her, three daughter and her mother, my grandmother Galya, who helped raise us and was our biggest support. The women in our family do not stop in front of difficulties. And mother did not give up for a minute.

She created the first diamond jewelry house in Ukraine. Without much of a start-up capital, she definitely knew one thing — if you work hard, if you are honest and if you and believe in your success, everything will work out. And in just a few years, her chain of stores in Ukraine expanded to 79 stores nationwide. 

My mum also always helped the poor, supported the church and charities. I saw how busy and tired she was, but she always came to support us in our school performances because they were important to her daughters. She would be late, because my mother is always late, but she would come!

Most of all in the world, Nataliya wanted to make her children independent and give them the best opportunities in life, that's why when her daughters would turn 13, she would send them to boarding school in Switzerland.

Coming to Switzerland when I was 13 completely turned my life around, and I fell in love with this country with all my heart. While at university, I began to help my mother with her businesses. 

She created NATKINA (NAT — Natalia, KINA — Netovkina) in 2011 and opened the first two boutiques in her beloved Montreux.

I took the brand over when I was only 19 years old and still studying at EHL. To say that I struggled is to say nothing. My mother was also worried about my failures and struggles, but she wanted me to grow strong and to believe in myself. So my hero watched from the side always, ready to help with advice and support. 

Upon graduation, I fully embarked on business management.

Most of all, I wanted to give NATKINA a piece of my soul, my character. Therefore, I strove to create powerful jewellery that will give each girl confidence and a chance to shine. I focused on more affordable silver products with cubic zirconia of fantastic quality, because I wanted NATKINA to be available for every budget. In my jewellery I strive to strike a balance between luxury and affordability, but quality of the products was always in the first place for me.

Now we have 25 points sale points in different countries of the world. NATKINA takes part in Paris Fashion Week and many major jewellery exhibitions. At the same time, we strive to preserve the most valuable that we have — the soul of our business. We remain a small company with big ambitions, which achieves success thanks to the hard work and infinite love of each employee.

NATKINA lives with the purpose that my mother originally created for it and that I continue developing every day.

The NATKINA MissionI

The NATKINA MissionI want to make the best diamond alternatives on the market. I want to offer these beautiful stones to my customers at the best value and with a higher level of service than anybody else. I want to empower and reunite women all around the world where our customers are part of our big family.

Martina

It is our honour to create fine jewellery, and it’s for that reason that we choose to only work with high-quality, enduring materials that can almost immediately turn into family heirlooms. From our selection of precious metals set with genuine precious stones to our silver products with CZ, you can rest assured that NATKINA is jewellery for your everyday life, forever.

We genuinely believe that luxury, especially luxury jewellery should be attainable, easygoing, and an ordinary part of every woman’s life. It’s a beautiful way of expressing yourself, that’s why our inspiration comes from real, smart, successful women. NATKINA utilizes age-old Swiss jewellery-making techniques that produce ethical and high-quality craftsmanship.