This Payment Policy explains how payments work when you shop with Velora Furnish Living.

1. Accepted Payment Methods
We accept a selection of secure payment methods, which may include:
• Major credit and debit cards
• Secure online payment services (for example, recognised payment gateways)
• EFT / bank transfer, where available and clearly indicated
The exact options will be shown at checkout.

2. When Payment Is Taken
Unless otherwise stated:
• Payment is taken at checkout, before we start processing your order.
• For certain custom or made-to-order pieces, we may require a deposit or full payment upfront. Any such terms will be clearly communicated before you confirm your order.
We only begin preparing or dispatching your order once payment has been successfully received.

3. Currency & Pricing
• All prices on our website are shown in South African Rand (ZAR).
• Where applicable, prices may include VAT; this will be indicated at checkout.
• Prices may change from time to time, but the price you see at checkout is the price that applies to your order.

4. Payment Security
We take payment security seriously:
• Payments are processed via secure, PCI-compliant third-party providers.
• We do not store your full card details on our systems.
• We use reasonable technical and organisational measures to help protect your information.
If you suspect any unauthorised use of your payment details, please contact your bank or payment provider immediately, and then inform us.

5. Failed, Declined or Reversed Payments
If your payment fails, is declined, or is later reversed or charged back, we may:
• Delay processing or shipping your order, or
• Cancel the order and, where appropriate, request an alternative payment method.
We will contact you if there is a problem with your payment.

6. Refunds & How They Are Paid
If you are eligible for a refund under our Refund & Return Policy or other policies:
• Refunds are usually processed back to the original payment method used for the order, where possible.
• Once we have approved the refund, it may take 5–10 business days (or longer, depending on your bank or provider) for the funds to reflect in your account.
We will notify you when your refund has been processed on our side.

7. Fraud Prevention & Checks
To help protect our customers and our business:
• We may use fraud-prevention tools and checks provided by our payment partners.
• In some cases, we may request additional information to verify your identity or payment.
• If we reasonably suspect fraud or unauthorised activity, we may cancel or refuse an order and refund any amounts received where appropriate.

8. Contact Us About Payments
If you have any questions or concerns about payments, please contact us:
Email: info@velorafurnishliving.co.za
Phone: +27 62 598 5902