Payment option

We offer a variety of secure payment methods to ensure that your shopping experience is convenient and safe. Below is an overview of the payment options available for your purchases. By placing an order with us, you agree to the terms outlined in this Payment Options page.

1. Accepted payment methods

We accept the following payment methods for all purchases on our website:

• Credit and Debit Cards:
  We accept all major credit and debit cards, including:

  • Visa
  • MasterCard
  • American Express
  • Discover
  • JCB

  Payments made by credit or debit card are processed securely through our payment gateway to ensure the safety of your information.

• Bank Transfer:
  You can also choose to pay by bank transfer (also called Direct Deposit). If you select this payment option, please note that your order will not be processed until the payment has been received and confirmed. Bank transfer details will be provided at checkout.

• Osko:
  We accept Osko Payments, which allows for real-time bank transfers between participating Australian banks. Osko is part of the New Payments Platform (NPP) and ensures that your payments are processed securely, often in less than a minute. You can use PayID to link your payment method to your email, mobile number, or ABN, making the process more convenient.
  Payments via Osko are available 24/7, including weekends, and are processed instantly.

2. Payment security

We take your payment security seriously. All payments are processed through secure, encrypted systems to protect your personal and financial information.

• Secure Payment Gateway: We use industry-standard encryption to protect your payment details and ensure your information is securely transmitted.
• PCI DSS Compliance: Our payment processing system is compliant with the Payment Card Industry Data Security Standard (PCI DSS), which ensures that your payment details are securely handled.

If you ever suspect any unauthorized activity or have concerns about your payment security, please contact us immediately at support@centradehub.com.

3. Order processing and payment authorization

• Authorization: Once you submit your payment, your payment will be authorized and verified by your chosen payment method. Your order will only be processed once payment is confirmed. If there is an issue with your payment, we will contact you to resolve it.

• Order Confirmation: After your payment has been successfully processed, you will receive an order confirmation email containing details of your purchase and a summary of your payment.

• Payment Issues: If your payment is declined or not processed successfully, we will notify you and ask you to provide alternative payment details.

4. Currency and payment processing fees

• Currency: All transactions are processed in Australian Dollars (AUD). If you are using an international credit card, your payment provider may apply currency conversion fees.

• Payment Processing Fees: We do not charge any additional fees for using the payment methods mentioned above. However, your payment provider (e.g., your bank) may charge fees for currency conversion, international transactions, or other processing charges. Please refer to their terms and conditions for more details.

5. Refunds and payment reversals

• Refunds: Refunds are issued to the original payment method used for the purchase. Please refer to our Return & Refund Policy for more information on how to request a refund.

• Refund Processing: Refunds may take several business days to process, depending on the payment method used. For credit card payments, it may take 7-10 business days for the refund to appear on your account.

• Payment Disputes: If you believe that a charge was made in error or you need to dispute a payment, please contact us within 14 days of the transaction. We will review the dispute and take the necessary steps to resolve the issue.

6. Payment terms and conditions

By selecting your payment method and completing a purchase on our website, you agree to the following terms:

• You are authorized to use the payment method chosen for your purchase.
• All payment details you provide are accurate and up to date.
• You authorize us to charge the total amount of your order, including applicable taxes and shipping charges, to your chosen payment method.

7. Contact us

If you have any questions regarding payment options or need assistance with your order or payment, please don’t hesitate to reach out:

• Address: 45 Queen St, West Melbourne VIC 3000
• Email: support@centradehub.com
• Phone: 04 7891 1200