Payment Methods

Last updated: August 3, 2026

This Payment Policy applies to purchases made from Aussie Hoodie Shop, operated by KONICUK LTD, Company No. 14556414.

This policy explains the payment methods that may be available through our store, how transactions are authorised, the currency used for purchases, and how payment-related issues are handled.

The payment methods displayed at checkout at the time of purchase determine which methods are currently available. Availability may vary depending on the customer’s location, device, transaction, currency, and payment-provider requirements.

All monetary amounts in this policy are stated in Australian dollars (AUD), unless expressly stated otherwise.

This policy should be read together with our Terms of Service, Privacy Policy, and Return & Refund Policy.

1. Accepted Payment Methods

Payment methods available at checkout may include:

• PayPal;
• Visa credit and debit cards;
• Mastercard credit and debit cards;
• American Express;
• Discover; and
• Other credit, debit, digital-wallet, or payment methods supported by the checkout provider.

Payments may be processed through Stripe, PayPal, Shopify Payments, or another payment provider displayed at checkout.

All orders must be paid in full through the online checkout before production or fulfilment can begin.

Aussie Hoodie Shop may add, remove, restrict, or temporarily suspend a payment method for operational, technical, security, legal, or payment-provider reasons.

2. Credit and Debit Cards

Eligible credit and debit cards may be used directly through the secure checkout.

Before submitting payment, customers should verify:

• The cardholder name;
• The card number;
• The expiration date;
• The card security code;
• The billing address;
• The order amount; and
• The transaction currency.

The card will generally be charged when the order is submitted and payment is successfully authorised.

Production and fulfilment begin only after payment authorisation and any required security review are completed.

A card issuer may require additional authentication, such as:

• A one-time passcode;
• Confirmation through a banking application;
• Identity verification; or
• Another security step required by the card issuer or payment provider.

3. PayPal

Customers may use PayPal when it is displayed as an available payment method at checkout.

After selecting PayPal, the customer may be redirected to PayPal’s payment environment to sign in, select a funding source, and authorise the transaction.

After authorisation, the customer will normally be returned to the Aussie Hoodie Shop checkout or order-confirmation page.

Where PayPal makes guest checkout available, a customer may be able to pay using an eligible card without creating or signing in to a PayPal account.

Guest-checkout availability is determined by PayPal and may depend on the customer’s location, device, account status, transaction, and PayPal’s risk-review procedures.

PayPal transactions are governed by PayPal’s own terms, privacy notice, security controls, and dispute procedures.

4. Payment Security and Privacy

Payment information is transmitted through encrypted connections and processed by third-party payment providers operating under applicable payment-security requirements, including relevant Payment Card Industry Data Security Standard requirements.

Aussie Hoodie Shop does not directly store complete payment-card numbers or card security codes on its own servers.

Depending on the transaction, we may receive limited payment information, such as:

• The payment-provider name;
• The payment method or card brand;
• The last four digits of a payment card;
• The billing address;
• The transaction identifier;
• The payment status; and
• Authorisation, fraud-screening, or risk-review results.

This information may be used to:

• Confirm and fulfil orders;
• Process cancellations and refunds;
• Investigate payment problems;
• Prevent fraud and unauthorised transactions;
• Respond to chargebacks or payment disputes; and
• Comply with applicable legal, accounting, or regulatory obligations.

Additional information about how personal information is handled is available in our Privacy Policy.

5. Currency and Exchange Rates

Prices and transactions are generally displayed and processed in Australian dollars (AUD), unless checkout expressly displays and supports another currency.

If the customer’s card, PayPal account, bank account, or payment method uses another currency, the payment provider may convert the transaction from AUD into the account currency.

The final amount charged may depend on:

• The exchange rate used by the bank or payment provider;
• The date and time the transaction is processed;
• Currency-conversion fees;
• International or cross-border transaction fees; and
• The settlement rules of the payment provider.

Aussie Hoodie Shop does not control exchange rates used by banks, card issuers, PayPal, Stripe, or other payment providers.

6. International and Bank Fees

KONICUK LTD is registered in the United Kingdom and Aussie Hoodie Shop serves customers internationally.

A bank, card issuer, or payment provider may classify a purchase as an international or cross-border transaction.

The customer’s financial institution may separately charge:

• An international transaction fee;
• A foreign-exchange fee;
• A currency-conversion fee;
• A payment-processing fee; or
• Another cross-border banking charge.

These charges are determined and collected by the customer’s bank, card issuer, PayPal, or other payment provider. They are not imposed or received by Aussie Hoodie Shop.

A financial institution may also request confirmation that the customer authorised an international transaction.

Customers should contact their bank or payment provider if a transaction is blocked or an unexpected financial-institution fee appears.

7. Authorisation and Order Review

An order is not confirmed until payment has been successfully authorised and Aussie Hoodie Shop has issued an order confirmation.

Aussie Hoodie Shop and its payment providers may review, hold, reject, or cancel an order where:

• Payment authorisation fails;
• Billing information cannot be verified;
• Fraud or unauthorised payment activity is suspected;
• Additional authentication is required;
• The order appears unusually large, repetitive, or inconsistent;
• The transaction may violate applicable law, sanctions, or payment-provider requirements;
• The transaction violates our Terms of Service; or
• A technical or checkout error affects the transaction.

We may request reasonable information to confirm that the transaction was authorised by the customer or payment-account holder.

If an order is cancelled after payment has been captured, Aussie Hoodie Shop will process a refund to the original payment method unless the transaction has already been reversed, disputed, or charged back.

8. Declined Payments

A payment may be declined, delayed, or placed under review for reasons including:

• The card number, expiration date, security code, or billing address is incorrect;
• The card has expired or has not been activated;
• The available balance or credit limit is insufficient;
• The payment method does not support online or international transactions;
• The bank or payment provider has restricted the transaction;
• Additional authentication was not completed;
• A fraud-prevention system flagged the transaction;
• The payment account has been frozen, closed, or restricted; or
• A temporary banking, network, or checkout error occurred.

For security reasons, Aussie Hoodie Shop may not receive the exact reason a transaction was declined.

If a payment is declined:

1. Review the payment and billing information entered at checkout.
2. Contact the bank or payment provider to ask whether the transaction is being blocked.
3. Complete any authentication requested by the payment provider.
4. Use another eligible payment method displayed at checkout.

9. Duplicate Charges and Authorisation Holds

Multiple Order Confirmations

If the customer receives separate order-confirmation emails with different order numbers, more than one order may have been submitted.

Contact support@aussiehoodie.com promptly and include each order number.

One Order Confirmation but Multiple Payment Entries

If the customer receives only one order confirmation but sees multiple payment entries, one entry may be a temporary authorisation hold rather than an additional completed charge.

An authorisation hold temporarily reserves funds while a bank or payment provider verifies the transaction.

The bank or payment provider controls when an unused authorisation is released. Release may take several business days.

If multiple entries become completed charges, contact the financial institution and email Aussie Hoodie Shop with:

• The order number;
• The transaction date;
• The amount of each entry; and
• A screenshot showing the transactions with complete payment credentials removed.

10. Unsupported Payment Methods

Aussie Hoodie Shop does not currently accept Cash on Delivery.

Unless expressly displayed at checkout, we also do not accept:

• Cash by post;
• Personal or business cheques;
• Money orders;
• Unapproved bank transfers;
• Manual card details sent by email; or
• Other offline payment methods.

Do not mail cash, cheques, payment cards, or other payment instruments to our registered office or operational distribution hub.

A payment method is accepted only when it is displayed and successfully processed through the Aussie Hoodie Shop checkout.

11. Refund Processing

Refund eligibility is governed by our Return & Refund Policy and Exchange & Replacement Policy.

If a refund is approved, Aussie Hoodie Shop will process it to the original payment method within 3–5 business days.

If a physical return is required, the refund-processing period begins after the authorised return is received and inspected.

The time required for the funds to appear is controlled by the payment provider, bank, or card issuer and is separate from Aussie Hoodie Shop’s refund-processing period.

If the original payment method is no longer available, Aussie Hoodie Shop may issue store credit or use another method agreed with the customer where operationally and legally permitted.

Currency-conversion differences, foreign transaction fees, and bank charges imposed by a third-party financial institution cannot normally be refunded by Aussie Hoodie Shop.

12. Chargebacks and Payment Disputes

If you believe a transaction is incorrect, duplicated, unauthorised, or connected with an unresolved order issue, contact Aussie Hoodie Shop before submitting a chargeback where reasonably possible.

Contacting us first gives our Support Team an opportunity to:

• Locate the order;
• Review payment records;
• Investigate a duplicate transaction;
• Process an eligible cancellation or refund; and
• Resolve the issue without unnecessary delay.

Submitting a chargeback does not automatically cancel production, fulfilment, or shipment.

Aussie Hoodie Shop may provide relevant order, delivery, customer-service, refund, and transaction records to the payment provider when responding to a payment dispute.

Fraudulent, abusive, or knowingly false chargebacks may result in order cancellation, account restriction, refusal of future service, or other action permitted by law.

Nothing in this section prevents a customer from exercising a lawful payment-dispute or consumer right.

13. Payment Support

For declined payments, duplicate charges, refund questions, payment verification, chargebacks, or checkout problems, contact:

Related policies:

• Terms of Service
• Privacy Policy
• Return & Refund Policy
• Exchange & Replacement Policy
• Shipping Policy