Payment Policy

Effective Date: October 25, 2026

At Nancy & Ruth Melbourne, we offer secure and convenient payment options for our customers. Available payment methods may vary depending on your location, device, browser, and other factors.

The payment methods available to you will be displayed during the checkout process.

1. Accepted Payment Methods

Depending on availability, you may be able to pay for your order using payment methods such as:

Visa
Mastercard
American Express
Apple Pay
Google Pay
Shop Pay
Other payment methods made available through our checkout or payment providers

The payment options available at checkout may vary and are subject to change.

2. Payment Security

We take reasonable measures to protect your payment and personal information.

Payments made through our website are processed using secure payment processing systems and encryption technologies designed to protect information transmitted during checkout.

We do not intentionally store complete payment card details on our own servers. Payment card information is generally processed directly by our third-party payment providers in accordance with their security and privacy practices.

3. Payment Authorization

When you place an order, your payment method may be subject to authorization or verification by the applicable payment provider.

An order is considered successfully placed only after payment has been successfully authorized or completed.

If payment cannot be authorized or is declined, your order may not be processed.

4. Order Processing

Orders are processed after successful payment confirmation.

We reserve the right to delay or cancel an order where payment cannot be verified, appears to be unauthorized, or is reasonably suspected of being fraudulent or otherwise invalid.

If an order is cancelled after payment has been received, any applicable refund will be processed in accordance with our Return & Refund Policy and applicable law.

5. Currency

Unless otherwise stated at checkout, prices displayed on our website are presented in Australian Dollars (AUD).

Your payment provider or financial institution may apply currency conversion fees or other charges if your account is denominated in a different currency.

Nancy & Ruth Melbourne is not responsible for additional fees charged by your bank, card issuer, or payment provider.

6. Taxes

Applicable taxes, including Goods and Services Tax (GST) where required, may be calculated and added to your order at checkout based on the shipping destination, the products purchased, and applicable laws.

Any applicable taxes and the total amount payable will be displayed before you complete your purchase, as required by law.

7. Refunds

If you are approved for a refund under our Return & Refund Policy, the refund will generally be issued to the original payment method used for the purchase.

Once a refund has been initiated, the time required for the funds to appear in your account may vary depending on your bank, card issuer, or payment provider.

For eligible returns, please allow up to 14 business days after the returned item has been received and inspected for the applicable refund to be processed, subject to applicable law.

Original shipping charges are generally non-refundable unless otherwise stated in our Return & Refund Policy or required by applicable law.

Nothing in this policy limits any mandatory refund rights or other remedies available to consumers under applicable law.

8. Fraud Prevention

To protect our customers and our business, we may use automated and manual security measures to detect and prevent fraudulent or unauthorized transactions.

We may request additional information or verification when reasonably necessary to confirm an order or payment.

We reserve the right to cancel or decline transactions that we reasonably believe may be fraudulent, unauthorized, or otherwise suspicious, subject to applicable law.

9. Payment Questions

If you have any questions regarding payment, an order, or a transaction, please contact us:

Nancy & Ruth Melbourne
Email: support@nancyruthmelbourne.com

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