Billing & commission
Two separate flows: how you pay for buys, and how you earn commission.
Paying for buys
When you buy on behalf of a user, the amount debits your partner balance and the assets credit the user. Fund that balance in two ways:
Prepaid float — top up in advance; buys draw it down. Postpaid credit — buy on a credit line (up to your limit) and settle on a cycle. Postpaid is part of the Pro plan.
Earning commission
You earn commission on buys made by users you brought in. Attribution is set once, at the moment a brand-new OroPocket account is created through your integration — via your embed's OTP verification or trusted registration. Users who already had an OroPocket account never attribute to you.
| Field | Type | Description | |
|---|---|---|---|
| Buy commission | 1.5% / 2% | optional | 1.5% on the free plan, 2% on Pro, of gross INR on every buy (gold, silver, SIP installment) by an attributed user. Always payable. |
| Sell commission | 0.250% | optional | Of gross INR sold — but only if your combined buy+sell volume that calendar month reaches the threshold below. Otherwise it's voided; buy commission is unaffected. |
| Sell threshold | ₹3,00,00,000 | optional | Combined monthly volume across all your attributed users, required for sell commission to pay out. |
| Attribution window | 12 months | optional | From the user's signup. Commission stops accruing on their activity after this. |
| Settlement | Monthly | optional | Statements finalize on the 1st of each month at 01:00 IST for the prior month. |
| Reversals | — | optional | A voided buy or sell voids the matching commission entry, retroactively for statements not yet paid. |
Funding your own wallet
For the gifting/send use case you hold assets yourself. Top up gold, silver or INR from the Wallet page via Cashfree or bank transfer.