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Payment Methods and Policy

Last Updated: 13/10/2023

At Shower Curtains Australia, we offer secure and convenient payment options to make your shopping experience as smooth as possible. This policy outlines our accepted payment methods, security measures, and important payment information.

Accepted Payment Methods

Credit and Debit Cards

We accept the following major credit and debit cards:

  • Visa (credit and debit)
  • Mastercard (credit and debit)
  • American Express
  • Diners Club

Digital Wallets

  • PayPal - Pay securely using your PayPal account
  • Apple Pay - Quick checkout for iOS and Safari users
  • Google Pay - Fast payment for Android and Chrome users
  • Shop Pay - Shopify's accelerated checkout option

Buy Now, Pay Later Services

  • Afterpay - Split your purchase into 4 equal fortnightly payments
  • Zip Pay - Flexible payment plans available
  • Klarna - Pay in 30 days or split into installments

Bank Transfer

  • Direct Bank Transfer - Available by special arrangement for large orders
  • BPAY - Available for certain order types

Note: Available payment methods may vary depending on your location and order value.

Payment Security

Secure Payment Processing

Your payment security is our top priority:

  • SSL Encryption: All payment pages use 256-bit SSL encryption
  • PCI DSS Compliance: Our payment providers are PCI DSS certified
  • Secure Servers: Payment data is processed on secure, encrypted servers
  • No Storage: We do not store your credit card information on our servers

Fraud Protection

  • Real-time Monitoring: Transactions are monitored for suspicious activity
  • Address Verification: Billing address verification for added security
  • CVV Verification: Card security code verification required
  • Risk Assessment: Advanced fraud detection algorithms protect all transactions

Payment Processors

We partner with trusted payment processors:

  • Shopify Payments - Our primary payment gateway
  • PayPal - For PayPal transactions
  • Stripe - Additional payment processing

Payment Process

How Payment Works

  1. Add to Cart: Select your items and proceed to checkout
  2. Choose Payment Method: Select your preferred payment option
  3. Enter Details: Provide payment and billing information
  4. Verify Order: Review your order details and total amount
  5. Complete Payment: Authorize the transaction
  6. Confirmation: Receive order confirmation via email

Payment Authorization

  • Payment is authorized at the time of order placement
  • Funds are captured when your order is processed for shipment
  • Pre-authorization may appear on your statement before final charge
  • Authorization ensures product availability and secures your order

Pricing and Currency

Currency

    • Australian Dollars (AUD): All prices are displayed in AUD
    • GST Included: Prices include 10% Goods and Services Tax where applicable
    • No Hidden Fees: The price you see is the price you pay

Price Accuracy

    • Prices are updated regularly but may change without notice
    • The price charged will be the price displayed at time of purchase
    • If a pricing error occurs, we will contact you before processing
    • We reserve the right to cancel orders with obvious pricing errors

Additional Costs

    • Shipping: Shipping costs are added at checkout
    • No Setup Fees: No account setup or membership fees
    • No Transaction Fees: We don't charge additional payment processing fees

Payment Timing

When Payment is Processed

    • Immediate Authorization: Payment authorization occurs at checkout
    • Charge Timing: Your card is charged when the order ships
    • Pre-orders: Payment processed when item becomes available
    • Split Shipments: Charges processed as each shipment is sent

Payment Confirmation

    • Payment confirmation email sent immediately after successful payment
    • Order number provided for your records
    • Receipt details include itemized charges and taxes
    • Shipping confirmation sent when order is dispatched

Failed Payments

Common Reasons for Payment Failure

    • Insufficient funds in account
    • Incorrect payment details entered
    • Card expired or blocked
    • Billing address mismatch
    • Security restrictions by your bank

If Your Payment Fails

    1. Notification: You'll receive immediate notification of the failure
    2. Retry Option: Try payment again with corrected information
    3. Alternative Method: Choose a different payment method
    4. Bank Contact: Contact your bank if the issue persists
    5. Order Hold: Your order will be held for 24 hours for payment retry

Failed Payment Consequences

    • Orders cannot be processed until payment is successful
    • Items in your cart may be released to other customers
    • Promotional pricing may expire during payment delays
    • Multiple failed attempts may trigger additional security checks

Refunds and Chargebacks

Refund Processing

    • Method: Refunds issued to original payment method
    • Timeframe: 5-10 business days to appear on your statement
    • Partial Refunds: Available for partial returns or order adjustments
    • Full Refunds: Complete order value returned for eligible returns

Refund Policies

    • Refunds processed according to our Returns and Refunds Policy
    • Shipping costs may or may not be refundable depending on circumstances
    • Buy now, pay later refunds follow the provider's specific process
    • Bank transfer refunds may require additional processing time

Chargebacks and Disputes

    • Contact Us First: Please contact us before disputing charges with your bank
    • Resolution: Most issues can be resolved quickly through direct contact
    • Documentation: We maintain detailed transaction records
    • Cooperation: We work with banks to resolve legitimate disputes

Buy Now, Pay Later Terms

Afterpay

    • Split purchase into 4 equal fortnightly payments
    • First payment due at time of purchase
    • Remaining payments automatically charged every 2 weeks
    • Late fees may apply for missed payments
    • Subject to Afterpay's terms and conditions

Zip Pay

    • Flexible payment plans available
    • Interest-free period may apply
    • Monthly account fees may apply
    • Subject to Zip's credit assessment and terms

Important Notes

    • Buy now, pay later services are subject to approval
    • Each service has its own terms, conditions, and fees
    • You remain responsible for payments to the service provider
    • Returns and refunds follow each provider's specific process

Business Customer Payments

Corporate Accounts

    • Account Setup: Corporate accounts available for eligible businesses
    • Payment Terms: Net 30 payment terms by arrangement
    • Credit Application: Credit assessment required
    • Purchase Orders: PO numbers can be accommodated

Tax Invoices

    • GST-compliant tax invoices provided
    • ABN details included on all invoices
    • Digital invoices sent via email
    • Printed invoices available upon request

Payment Support

Getting Help

If you experience payment issues or have questions:

Email: support@showercurtainsaustralia.com.au
Phone: +61 431 251 243
Business Hours: Monday to Friday, 9:30 AM - 5 PM AEST

What to Include When Contacting Us

    • Your order number (if available)
    • Payment method used
    • Error messages received
    • Last 4 digits of card number (never provide full number)
    • Approximate time of attempted payment

Payment Privacy

Information Collection

For payment processing, we collect:

    • Payment method details (securely processed by payment providers)
    • Billing address information
    • Transaction history for your account
    • Payment preferences for future purchases

Information Protection

    • Payment data handled according to our Privacy Policy
    • Secure transmission and storage protocols
    • Access limited to authorized personnel only
    • Regular security audits and updates

Compliance and Regulations

Australian Regulations

    • GST Compliance: Proper GST calculation and reporting
    • Consumer Protection: Adherence to Australian Consumer Law
    • Privacy Laws: Compliance with Australian Privacy Act
    • Anti-Money Laundering: AML/CTF compliance for large transactions

International Standards

    • PCI DSS compliance for card data security
    • ISO 27001 security standards
    • GDPR compliance for international customers

Policy Updates

We may update this Payment Policy from time to time to reflect:

    • New payment methods or providers
    • Changes in security protocols
    • Regulatory requirements
    • Improvements to our payment process

Updated policies will be posted on our website with the revision date. Continued use of our payment services constitutes acceptance of any changes.

This Payment Policy is designed to provide transparency about our payment processes and ensure secure, reliable transactions. We are committed to protecting your payment information and providing excellent customer service for all payment-related matters.
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