Payment, Billing & Dispute Policy

Effective Date: When Published
Company: AH-RIN (Pty) Ltd
Website: www.ah-rin.com

This Policy explains how payments are processed, how billing works, and how disputes and chargebacks are handled. It should be read with our Returns Policies, International Duties, Taxes & Customs Policy, and Privacy & POPIA Policy.

1. Payment Methods

We may accept various payment methods depending on your location, such as:

• debit and credit cards;
• instant EFT or bank transfer (where available);
• digital wallets or other local payment options supported by our payment providers.

Not all methods are available in all countries. Payment processing is handled by secure third-party providers.

2. Billing Currency & FX

Prices on our Website may be displayed in ZAR (South African Rand) or other currencies. For international transactions, your bank or card issuer may:

• apply its own foreign exchange rate; and/or
• charge a currency conversion or international transaction fee.

These rates and fees are set by your bank or card network, not by AH-RIN.

3. Taxes & Duties

For South African orders, VAT treatment depends on our registration status and will be reflected at checkout if applicable.

For international orders, import duties and taxes are usually not included in the checkout total. Please refer to our International Duties, Taxes & Customs Policy for details.

4. Order Confirmation & Authorisation

Your order is confirmed once:

• payment is authorised by your bank or payment provider; and
• we have completed basic fraud and routing checks.

We may cancel or decline an order before dispatch in cases of suspected fraud, regulatory or routing issues, or significant errors in pricing or availability.

5. Failed or Rejected Payments

If a payment fails or is rejected, your order may not be processed. You may try again using a different method or after resolving any issue with your bank.

6. Delivery Fees & Refunds

• Delivery fees are shown at checkout before you confirm payment.
• Once an order has been dispatched, delivery fees are normally not refundable unless required by law or where we made an error.
• Where a parcel is returned to us in sealed, resellable condition, any refund will be handled under our Returns Policies.

7. Billing Errors & Duplicate Charges

If you believe you have been incorrectly charged or billed more than once, please contact us with:

• your order number;
• the date and amount charged; and
• a partial screenshot or statement line (excluding full card details and CVV).

We will investigate and correct any verified billing errors.

8. Chargebacks & Dispute Handling

You have the right to raise a dispute or chargeback with your bank where card scheme rules allow it.

To help resolve issues faster, we encourage you to contact us first so that we can:

• review order and delivery records;
• check courier tracking and customs status;
• provide or request relevant evidence.

Where a chargeback is raised, we may provide transaction, delivery and communication records to your bank as part of the investigation.

9. Fraud & Misuse

We monitor for fraudulent or abusive transaction patterns. We may decline orders, block accounts or report suspected fraud to relevant parties where appropriate.