Payment Methods – Hyggofurniture.com

At Hyggofurniture.com, we want to make shopping for small furniture safe, simple, and convenient. Operated by HYGGO PTY LTD (ABN 26680569653), we accept multiple secure payment options to give our customers flexibility and peace of mind. This Payment Methods Policy explains the payment types we accept, how transactions are processed, and the protections in place to safeguard your information.

1. Accepted Payment Options

We accept the following payment methods on Hyggofurniture.com:

• Visa – Instant processing, widely accepted credit and debit cards
• MasterCard – Instant processing, secure and convenient for online transactions
• PayPal – Pay directly with your PayPal account or linked cards
• Afterpay – Buy Now Pay Later option, split payments into four interest-free instalments
• Klarna – Flexible financing, allowing instalments or pay later options

All payments are processed in Australian Dollars (AUD) and include GST where applicable.

2. Secure Online Payments

Your online security is our priority. All transactions are protected by:

• SSL Encryption: Our website uses Secure Socket Layer (SSL) technology to encrypt data transmitted during checkout.
• PCI-DSS Compliance: Payment gateways we use comply with Payment Card Industry Data Security Standards, ensuring card data is handled safely.
• Fraud Protection: Payment providers like Visa, MasterCard, and PayPal include fraud monitoring and buyer protection programs.

This means your personal and financial details remain safe throughout the payment process.

3. Paying with PayPal

When selecting PayPal at checkout, you will be redirected to the PayPal login page. From there, you can confirm payment using your balance, linked bank account, or saved card. PayPal payments are processed instantly, and you will be returned to our website to confirm your order.

4. Buy Now Pay Later Options

We offer flexible payment solutions through Afterpay and Klarna:

• Afterpay: Split your purchase into four equal, interest-free instalments, paid every two weeks. No interest or additional fees apply if payments are made on time.
• Klarna: Offers flexible options including Pay in 4 instalments or extended financing. Klarna may require additional verification and credit approval.

These options make it easier to purchase the furniture you need now while spreading out payments over time.

5. Payment Security with Afterpay & Klarna

Both Afterpay and Klarna use their own secure payment systems and never share full card details with us. Your instalments are managed directly by these providers, while your order is shipped as soon as the initial payment is approved.

6. Order Confirmation

Once your payment is successfully processed, you will receive an Order Confirmation Email. This includes your order number, purchased items, delivery information, and payment receipt. Please keep this email as proof of purchase for warranty or return purposes.

7. Failed or Declined Payments

If your payment fails, please check the following:

• Ensure your card details are entered correctly
• Verify that your card has sufficient funds
• Confirm that your card is authorised for online and international transactions

If the problem persists, try an alternative payment method or contact your bank. Our customer service team is also available to assist.

8. Refunds to Original Payment Method

When a refund is approved (for example, under our Return & Refund Policy), the amount will be credited back to the original payment method. For security reasons, we cannot process refunds to alternative accounts or cards.

• Credit/Debit Cards: Refunds typically appear within 5–10 business days, depending on your bank.
• PayPal: Refunds are processed immediately but may take 1–3 business days to appear in your account.
• Afterpay/Klarna: Refunds will adjust your instalment plan, reducing the remaining payments or issuing a refund for amounts already paid.

9. Taxes and Currency

All prices displayed on Hyggofurniture.com are inclusive of Australian GST. Payments are processed in AUD. If your card is linked to a non-AUD account, your bank may apply a currency conversion rate and additional fees.

10. Fraud Prevention

We take fraud prevention seriously. In certain cases, we may request additional verification before processing high-value orders. This is to protect both the customer and our business against unauthorised transactions.

11. Privacy & Data Protection

Your payment details are never stored on our servers. All transactions are processed securely by third-party payment gateways. For more information about how we handle your data, please read our Privacy Policy.

12. Customer Support

If you encounter payment issues, or have questions about methods or refunds, please contact our support team:

• Email: cs@hyggofurniture.com
• Phone: +61 3 9876 526
• Business Hours: Monday – Friday, 9 AM – 5 PM (AEST)

Final Note

At Hyggofurniture.com, we are committed to making your shopping experience simple, flexible, and secure. With multiple trusted payment methods, industry-leading encryption, and buyer protection programs, you can shop confidently knowing that your purchases and personal data are safe with us.