At Phenxx Pty Ltd, we strive to ensure that our payment policies are transparent, fair, and compliant with the Australian Consumer Law (ACL). This policy outlines the terms and conditions regarding payments made by consumers for goods and services purchased directly from our ecommerce platform.

Payment Methods:

Customers may use the following payment methods for transactions on our ecommerce platform:

1. Credit or Debit Cards (Visa, Mastercard, American Express, etc.)
2. PayPal
3. Direct Bank Transfer

Payment Terms:

1. Payment must be made in Australian Dollars (AUD) unless otherwise specified.
2. Full payment is required at the time of purchase, unless otherwise agreed upon by both parties.
3. Orders will not be processed until payment has been successfully received and confirmed.
4. We reserve the right to cancel or refuse any order if payment authorisation is not obtained or if payment is not received in full.

Security:

1. We are committed to ensuring the security of our customers’ payment information. All payment transactions are encrypted and processed securely through trusted payment gateways.
2. We do not store customers’ credit card details on our servers. 

Refunds and Returns:

1. Refunds will be issued in accordance with our Refund Policy, which complies with the ACL.
2. Customers are entitled to a refund if goods are faulty, not as described, or do not perform as advertised.
3. Refunds will be processed using the original payment method wherever possible.
4. Customers must contact us within a reasonable timeframe to request a refund or return. Please refer to our Refund Policy for specific details.

Cancellation Policy:

1. Customers may cancel their order before it has been dispatched. Once an order has been dispatched, it cannot be cancelled.
2. To cancel an order, customers must contact us immediately via email or phone with their order details.

Payment Disputes:

1. In the event of a payment dispute or chargeback, customers are encouraged to contact us directly to resolve the issue before involving their financial institution.
2. We will cooperate fully with customers and financial institutions to investigate and resolve any payment disputes in a timely manner.

Compliance with Australian Consumer Law:

1. Our payment policy is designed to comply with the ACL and ensure that our customers’ rights are protected.
2. If any aspect of this payment policy is found to be in violation of the ACL, we will take immediate steps to rectify the issue.

Modification of Policy:

1. We reserve the right to modify or update this payment policy at any time. Any changes will be effective immediately upon posting on our website.
2. Customers are encouraged to review this policy periodically for any updates or changes.

By making a purchase through our ecommerce platform, customers agree to abide by the terms and conditions outlined in this payment policy. If you have any questions or concerns regarding our payment policy, please contact us at [Your Contact Information].

This policy is subject to change without prior notice. Last updated: 9 March 2024