Payment Policy

1. Accepted methods

• Visa and Mastercard credit or debit cards, processed with 3-D Secure.
• Instant EFT via our South African payment provider.
• Electronic bank transfer for orders over R5 000.
• Approved 30-day trade terms for qualifying businesses, schools and venues.

2. Secure payment links

For your safety, this website does not accept or store card numbers. After checkout we email a secure payment link from our PCI-DSS compliant payment provider. The link expires after 24 hours; stock is only held for that period. We never ask for your PIN, CVV, OTP or online banking password by phone, email or WhatsApp.

3. Currency, VAT and invoices

All charges are in South African Rand and include 15% VAT. A compliant tax invoice showing our VAT number is emailed automatically after payment. Add your company name, VAT number and purchase order reference before checkout so we can reflect them on the invoice.

4. Bank transfers

Bank transfer details appear on your pro-forma invoice. Use your order number as the payment reference. We dispatch once funds reflect — allow for inter-bank delays. Please email proof of payment to sales@velroviagroup.co.za to speed things up.

5. Pricing errors and declined payments

If a payment is declined, no order is created and no stock is reserved. If a payment succeeds but the order cannot be fulfilled, we refund the full amount including any delivery fee within five business days.

6. Chargebacks and fraud prevention

We verify high-value orders and may request proof of identity or a call-back on the number listed for the billing address. Fraudulent or chargeback-abused orders may be reported to the relevant authorities. Please contact us before raising a chargeback — we can almost always resolve the issue faster.

7. Refund routing

Refunds are returned to the original payment method. Where that is impossible, we refund by EFT to a verified South African bank account in the payer’s name. Refunds are never issued in cash or to third-party accounts.