Payment Policy

Content

Payment Policy

Accepted Payment Methods

DIY Connect accepts the following payment methods for customer convenience and security:

Credit and Debit Cards

  • Visa

  • Mastercard

  • American Express

  • Diners Club (where applicable)

All major credit and debit cards issued by South African banks are accepted. International cards may be accepted subject to additional verification.

Electronic Funds Transfer (EFT)

Customers can pay via direct bank transfer. Upon selecting this option:

  • Unique payment reference and banking details will be provided

  • Payment must be made within 24 hours to secure the order

  • Order will be processed once payment reflects in our account (typically 1-3 business days)

  • Proof of payment should be uploaded through the platform for faster processing

Instant EFT

For immediate payment confirmation, instant EFT options are available through supported banks. This allows real-time fund transfers with instant order confirmation.

Digital Wallets

Supported digital payment platforms include:

  • PayPal (where available)

  • Apple Pay

  • Google Pay

  • Samsung Pay

Availability depends on your device and location.

Buy Now, Pay Later

Selected buy now, pay later services may be available, allowing customers to spread payments over time:

  • PayJustNow

  • PayFlex

  • Mobicred

Eligibility and approval are subject to the third-party provider's terms and conditions. Interest or fees may apply depending on the payment plan selected.

Payment Security

Your payment security is our top priority. DIY Connect implements the following measures:

  • All transactions are processed through PCI-DSS compliant payment gateways

  • SSL encryption protects all data transmitted during checkout

  • 3D Secure authentication (Verified by Visa, Mastercard SecureCode) for added security

  • Card details are tokenized and never stored on DIY Connect servers

  • Fraud detection systems monitor transactions for suspicious activity

We never have access to your complete credit card information. Payment processing is handled securely by certified third-party payment providers.

Protecting Your Information

To keep your payment information secure:

  • Never share your account password or payment credentials

  • Use strong, unique passwords for your DIY Connect account

  • Verify you are on the official DIY Connect website before entering payment details (check for HTTPS and the padlock icon)

  • Keep your device and browser updated with the latest security patches

  • Log out after completing transactions on shared devices

  • Monitor your bank statements regularly for unauthorized transactions

Pricing and Taxes

Price Display

  • All prices on DIY Connect are listed in South African Rand (ZAR)

  • Prices are displayed inclusive of VAT where applicable

  • Product prices are set by individual vendors and may vary between vendors for similar items

  • Prices are correct at the time of display but may be subject to change

Value Added Tax (VAT)

  • VAT is included in the displayed price for applicable products

  • The VAT amount is shown separately on your invoice

  • VAT-registered businesses can request a valid tax invoice from the vendor

Final Price

The final price you pay includes:

  • Product price (including VAT where applicable)

  • Delivery charges (calculated at checkout)

  • Any applicable fees or surcharges

The complete price breakdown is displayed clearly before you confirm your order. There are no hidden charges.

Payment Confirmation

Order Confirmation

Upon successful payment:

  • You will receive immediate on-screen confirmation

  • An order confirmation email will be sent within minutes containing:

    • Order number

    • Items purchased

    • Total amount paid

    • Estimated delivery date

    • Vendor information

Failed Payments

If your payment fails:

  • You will be notified immediately during checkout

  • The order will not be processed or confirmed

  • Common reasons for payment failure include:

    • Insufficient funds

    • Incorrect card details

    • Card expired or blocked

    • Transaction declined by bank

    • 3D Secure authentication failed

You can retry payment or choose an alternative payment method. If problems persist, contact your bank or card issuer.

Pending Payments

For EFT payments:

  • Orders remain "Pending Payment" until funds are received

  • You have 24 hours to complete payment before the order is automatically cancelled

  • Once payment is confirmed, you will receive order confirmation and processing will begin

Payment Disputes

Unauthorized Transactions

If you notice an unauthorized transaction on your account:

  1. Contact your bank or card issuer immediately

  2. Report the transaction to DIY Connect support

  3. Provide details including order number, date, and amount

  4. We will investigate and cooperate with your bank's fraud investigation

Overcharges or Duplicate Charges

If you believe you were charged incorrectly:

  1. Check your order confirmation email for the correct amount

  2. Verify the transaction in your bank statement matches your order

  3. Contact DIY Connect support with:

    • Order number

    • Transaction details

    • Bank statement showing the charge

We will investigate within 48 hours and issue refunds for verified overcharges within 5-7 business days.

Refunds

Refunds are processed according to our Returns & Refunds Policy. The refund method depends on your original payment method:

Credit/Debit Card Refunds

  • Refunds are processed back to the original card

  • Processing time: 5-7 business days from approval

  • Bank processing time: Additional 5-10 business days for funds to reflect

  • Total time: Typically 10-17 business days

EFT Refunds

  • Refunds are transferred to your provided bank account

  • Processing time: 5-7 business days from approval

  • Funds typically reflect within 3-5 business days after processing

Digital Wallet Refunds

  • Refunds are returned to the original wallet account

  • Processing time: 3-5 business days

  • Availability depends on the wallet provider

Store Credit

As an alternative to payment refunds, you may opt for instant store credit:

  • Credited immediately to your DIY Connect account

  • No waiting period

  • Can be used for future purchases

  • No expiry date

Vendor Payments

Payment Schedule

Vendors receive payment for completed sales according to the following schedule:

  • Payment is released 7-14 business days after successful delivery

  • This period allows for potential returns and disputes to be resolved

  • Payments are transferred on specified payment cycles (weekly or bi-weekly)

Payment Calculation

Vendor payments include:

  • Total product sales amount

  • Less: DIY Connect commission (percentage as per vendor agreement)

  • Less: Payment processing fees

  • Less: Any applicable penalties or adjustments

  • Less: Customer refunds processed during the period

A detailed payment statement is provided with each payment showing all transactions and deductions.

Banking Details

Vendors must provide valid South African bank account details:

  • Account holder name (must match registered business name)

  • Bank name

  • Branch code

  • Account number

  • Account type (cheque/current or savings)

Incorrect banking details will delay payments. Vendors are responsible for ensuring details are accurate and up to date.

Price Changes

Vendors may update their product prices at any time. However:

  • Orders already placed are honored at the price displayed at the time of purchase

  • Price increases do not apply retroactively

  • Customers are protected from price changes between adding to cart and completing checkout

Currency

All transactions on DIY Connect are conducted in South African Rand (ZAR). International credit cards may be accepted, but:

  • Transactions are processed in ZAR

  • Your bank may apply currency conversion fees

  • Exchange rates applied are determined by your card issuer

  • Additional international transaction fees may apply

Payment Problems

If you experience payment difficulties:

Technical Issues

  • Clear your browser cache and cookies

  • Try a different browser or device

  • Ensure your internet connection is stable

  • Disable browser extensions that may interfere with payment processing

Card Declined

  • Verify card details are entered correctly (number, expiry date, CVV)

  • Ensure sufficient funds are available

  • Check if your card is activated for online purchases

  • Contact your bank to verify if they blocked the transaction

  • Try an alternative payment method

EFT Not Reflecting

  • Allow up to 3 business days for bank processing

  • Verify payment was made to the correct account with correct reference

  • Upload proof of payment through your account dashboard

  • Contact support if payment does not reflect after 3 business days

Contact Support

For payment-related queries or issues:

  • Visit the "Help" section in your account dashboard

  • Email our customer support team

  • Use the in-platform messaging system

  • Include your order number and relevant transaction details

Payment inquiries are prioritized and typically resolved within 24-48 hours during business days.

Payment Policy Updates

DIY Connect reserves the right to update this Payment Policy at any time. Changes will be communicated via:

  • Email notification to registered users

  • Notice on the website and platform

  • Updated policy available in the footer of the website

Continued use of the platform after changes constitutes acceptance of the updated policy.