Payment Policy

1. Accepted payment methods
Buyers may pay only through PayPal (including PayPal balance and linked credit/debit cards). Buyers do not need to open a PayPal account to pay by credit/debit card through the PayPal checkout flow. I do not accept non-PayPal payment methods such as bank transfer, cash or other e-wallets for orders, so that all transactions remain covered by PayPal’s buyer protection framework.

2. Payment currency
All transactions are priced and settled in [AUD / USD / other specified currency]. If a buyer’s funding currency differs from the transaction currency, PayPal will apply its applicable exchange rate at the time of the transaction and may charge the buyer a currency conversion fee. That fee is charged by PayPal directly to the buyer and does not affect the order amount I receive.

3. Payment timing and order formation
Buyers must complete full payment at checkout for an order to be formed. I do not accept partial payments, instalment payments or payment after order placement. Once payment is confirmed by PayPal, I process the order within [1–2 business days]. For pre-order items or items requiring a longer preparation time, the estimated dispatch time is clearly stated on the product page, and placing an order means the buyer acknowledges and agrees to that timing.

4. Payment review and dispatch conditions
PayPal may review individual transactions. If PayPal determines that a transaction is high-risk, it may hold the payment and notify me to delay dispatch. I will wait for PayPal to complete its review and then dispatch the order or cooperate in cancelling the transaction according to the review outcome. I do not dispatch early based solely on my own assessment of payment safety, in order to avoid fulfilment disputes.

5. Refunds and dispute handling
If a buyer requests a refund, I will respond within [3–5 business days] and handle the request in accordance with the refund policy stated on the product page. Refunds are returned via PayPal to the buyer’s original payment account. If a buyer files a dispute for “item not received” or “unauthorised transaction,” I will submit shipping or delivery evidence within PayPal’s required timeframe, including tracking numbers and delivery records; for higher-value orders I will provide signature confirmation. Please note that partial payments or instalments are not covered by PayPal Seller Protection, so I require full one-time payment for all orders.

6. Fees
The price displayed on the product page [includes / does not include] shipping and applicable taxes. PayPal processing fees are borne by me as the seller and are not passed on to buyers as a surcharge. If a refund or return is caused by buyer-related reasons (for example, incorrect address or refusal to accept delivery), any additional shipping costs or losses will be handled with the buyer on a case-by-case basis, and communication records will be retained for PayPal review.