Money stuff.
Kept suitably secure.

Accepted Payment Methods

Ink + Fold accepts the payment methods displayed as available at checkout. These may include Visa, Mastercard, PayPal, Afterpay and bank transfer / EFT.

Payment-method availability can vary by order, customer, destination, transaction value or payment-provider requirements. The options displayed at checkout are the available options for that transaction.

Unless otherwise stated, website prices and payments are in Australian Dollars (AUD).

Credit + Debit Card Payments

Visa and Mastercard are our primary online card payment methods where displayed at checkout.

Card details must be submitted through the secure card-payment form provided during checkout. Payment information entered through that form is transmitted to the applicable payment-processing provider for authorisation and processing.

Do not send complete credit-card or cardholder authentication details to Ink + Fold by email, social-media message, contact form or post.

If complete card details or sensitive authentication information are inadvertently sent to us through an inappropriate channel, we will not use that information to process a transaction and will take reasonable steps to delete or securely destroy it where practicable.

Payment Verification + Fraud Prevention

Card issuers, payment processors and Ink + Fold may apply automated or manual fraud-prevention checks to a transaction.

These checks may consider information such as payment authorisation, billing and shipping details, address or security-code verification, transaction behaviour, device or network information, previous order activity and authentication results provided by the payment service.

If an order is flagged for additional review, we may place it on hold and contact you to confirm non-sensitive order or identity information before production begins.

We do not require customers to send us a photograph showing a full payment-card number, CVV/CVC, PIN or other sensitive authentication data.

If we cannot reasonably verify a transaction, or we reasonably suspect fraud or unauthorised use, we may refuse, hold or cancel the order and arrange a refund through the original payment method, subject to applicable law.

Where we request reasonable verification information, the order may remain on hold until that review is completed. If the requested information is not provided within the timeframe stated in our request, we may cancel and refund the order rather than proceed with an unverified transaction.

Afterpay

Where Afterpay is displayed at checkout, eligible customers may select Afterpay as their payment method.

Afterpay is a separate payment provider. Use of Afterpay is subject to Afterpay’s eligibility requirements, approval, account limits, customer terms and any applicable fees or other conditions imposed by Afterpay.

Ink + Fold does not determine whether Afterpay approves a transaction and cannot change your Afterpay account, repayment schedule, spending limit or eligibility.

Your Ink + Fold order is still subject to our product, shipping, returns and cancellation policies regardless of the payment method used.

Afterpay refunds

If an Afterpay order is entitled to a refund, Ink + Fold will process the applicable refund through Afterpay. We do not provide cash refunds for amounts paid through Afterpay.

Afterpay will determine how the refund is applied to the Afterpay order, including adjustments to remaining payments and refunds of amounts already paid where applicable.

Once Ink + Fold has submitted the refund, the time for funds to appear back on a customer's payment card may depend on Afterpay and the customer's financial institution.

PayPal

Where PayPal is offered at checkout, PayPal payments are processed subject to PayPal’s applicable terms, security checks and payment status.

Some bank-funded PayPal payments may be processed by PayPal as an eCheque. A PayPal eCheque is not an immediately cleared payment and the order will not enter production until PayPal confirms that the payment has cleared.

PayPal advises that eCheque payments usually take approximately 4–7 business days to clear, although they can sometimes take longer.

Bank Transfer / EFT

Where bank transfer / EFT is available, our applicable account details and payment instructions will be displayed during checkout or provided with the order instructions.

Please use your order number or other requested reference so we can match the payment to your order.

Orders paid by bank transfer are not processed or placed into production until the funds are received and cleared in our account.

Depending on the financial institutions involved, bank transfers may take several business days to clear. If payment is not received within the payment period stated with the order, we may contact you or cancel the unpaid order.

Payment Authorisation + Clearing

An order confirmation does not necessarily mean that a payment has fully cleared or that a transaction has passed all payment-provider security checks.

Unless otherwise stated, production begins only after the applicable payment has been successfully authorised or cleared and we have received the information required to produce the order.

If a payment remains pending, is declined or cannot be confirmed, production may be delayed until the payment issue is resolved.

Payment Fees + Surcharges

Any mandatory payment fee or surcharge charged by Ink + Fold will be disclosed before you complete your purchase.

We will only impose a card-payment surcharge where permitted by law, and any surcharge will not exceed the amount permitted under applicable Australian payment-surcharge rules.

Fees charged directly to you by your own bank, card issuer, PayPal, Afterpay or another payment provider are governed by your agreement with that provider and are not charged by Ink + Fold.

Refunds + Payment Method

Where a refund is due, we normally process it back through the original payment method unless you agree to another lawful method or the payment provider requires a particular refund process.

Processing a refund from our side does not mean the funds will appear instantly in your account. Bank, card and payment-provider processing times may apply after the refund is submitted.

Afterpay refunds are processed through Afterpay so that Afterpay can adjust the customer's payment schedule and return funds where applicable.

Refund rights for faulty, incorrect or non-compliant goods are explained in our Returns, Refunds + Exchanges Policy and are subject to rights that cannot be excluded under the Australian Consumer Law.

Declined, Reversed + Disputed Payments

If a payment is declined, reversed, cancelled or otherwise not received, we may pause production or dispatch while the payment status is investigated.

If a payment is reversed before we have supplied the order, we may cancel the affected order unless another payment arrangement is agreed.

If you believe a card or payment account has been used without your permission, contact your card issuer or payment provider promptly and let us know so we can assist with relevant order information.

Nothing in this section limits any lawful right to dispute an unauthorised transaction or exercise rights under the Australian Consumer Law, applicable payment-network rules or your agreement with the payment provider.

Payment Security + Privacy

Ink + Fold uses third-party payment services to process applicable online payments and aims to minimise the amount of payment-card information handled directly through ordinary business systems.

Payment providers may collect and process information according to their own privacy policies, security standards and contractual terms.

Information we receive in connection with payment, fraud prevention, customer support and order processing is handled in accordance with our Privacy Policy and applicable law.

No internet or payment system can be described as completely risk-free. If we become aware of a security incident affecting information for which we are responsible, we will respond in accordance with applicable legal obligations.

Payment Questions

Contact Ink + Fold at [email protected] or use our contact form.

Please include your order number and a description of the payment issue. For security, do not include a full card number, CVV/CVC, PIN, banking password or one-time authentication code.

SPATZ Conceptz Pty Ltd T/A Ink and Fold · ABN 76104297369.