Payment Methods

VapeOz accepts the following secure payment methods for orders placed on our website. All prices are listed in Australian Dollars (AUD) and include GST.

1. Accepted Payment Methods

We currently accept:

• Credit Card (Visa, Mastercard, American Express)
• Direct Bank Transfer (EFT / BSB transfer)
• PayID (instant via Osko)
• Afterpay (Buy Now, Pay Later)
• Google Pay
• Zip (Buy Now, Pay Later)

All payment methods may be available for every order.

2. Credit Card (Visa, Mastercard, American Express)

We accept Visa, Mastercard and American Express credit and debit cards via our PCI-DSS compliant payment gateway.

Details:

• Processed at checkout via supported third-party services, including Credit Card, Direct Bank Transfer, PayID, Afterpay, Google Pay, and Zip.
• Full card details are entered and held by our payment processor — we do not see or store your full card number, CVV or expiry date on our servers
• A pre-authorisation hold may be placed on your card when you place an order; the final charge is processed once your order is ready to ship

Surcharge: A surcharge of [Insert % or “no surcharge”] applies to credit card payments, in accordance with the Reserve Bank of Australia’s standard on payment surcharging. The surcharge will be shown clearly at checkout before you confirm your order.

Currency conversion: If your card is issued in a currency other than AUD, your card issuer will convert the charge. We are not responsible for any foreign exchange fees or rates applied by your bank.

3. Direct Bank Transfer (EFT)

You can pay by direct bank transfer (EFT) using our Australian bank account details.

Details:

• Account name: Displayed automatically after placing an order
• BSB: Displayed automatically after placing an order
• Account number: Displayed automatically after placing an order
• Reference: Please use your order number as the payment reference so we can match your payment

Timing:

• Standard EFT transfers usually arrive within 1 business day
• Orders are only processed once funds have been received and cleared
• If we have not received your payment within 3 business days of placing your order, the order may be automatically cancelled

Important: Goods are reserved for you once payment is received. Stock is not held while awaiting your transfer.

4. PayID (Instant via Osko)

PayID is Australia’s instant, 24/7 payment system operated by the New Payments Platform (NPP) and processed via Osko. Payments arrive in our account within seconds to minutes, even on weekends and public holidays.

Details:

• Displayed automatically after placing an order

Timing:

• Funds are usually received in under a minute, but may take longer depending on your bank

Reference: Use your order number as the payment reference.

Security: PayID transactions are protected by your bank’s own fraud and authentication controls. We will never ask you to send money to a PayID that does not match the details listed on this page.

5. Afterpay (Buy Now, Pay Later)

Afterpay lets you split your purchase into 4 interest-free instalments, paid fortnightly. Available to approved customers only.

How it works:

1. Choose Afterpay at checkout
2. Sign in or create an Afterpay account
3. Pay 25% upfront; the remaining 3 payments are automatically charged every 2 weeks

Eligibility:

• Must be 18+ (which aligns with our age requirements for vaping products)
• Must have a valid Australian debit or credit card
• Subject to Afterpay’s approval and spending limits

Important:

• Afterpay’s late fees, payment schedules and T&Cs apply — see afterpay.com/en-AU/terms
• Afterpay is provided by Afterpay Australia Pty Ltd (ABN 75 165 151 581); we are not responsible for Afterpay’s services or decisions
• Refunds follow Afterpay’s refund policy; instalments may be adjusted accordingly

Eligibility check: Afterpay performs a soft credit check that does not affect your credit score, but a hard inquiry may occur if you fail to repay.

6. Google Pay

Google Pay lets you check out using any card saved in your Google account, on supported devices and browsers.

Details:

• Available at checkout if your device/browser supports Google Pay
• Card details are tokenised and authenticated by Google — we do not receive your actual card number
• Subject to Google’s Terms of Service and your bank’s authentication requirements

Surcharge: The same surcharge structure as credit cards may apply.

7. Zip (Buy Now, Pay Later)

Zip allows you to pay in 4 interest-free instalments over 6 weeks (Zip Pay) or over a longer term (Zip Money, for higher-value purchases). Available to approved customers only.

How it works:

1. Choose Zip at checkout
2. Sign in or create a Zip account
3. Choose your preferred repayment schedule
4. Repay over time, with interest-free periods available on eligible plans

Eligibility:

• Must be 18+ (aligns with our age requirements)
• Must be an Australian resident with a valid debit or credit card
• Subject to Zip’s credit assessment and approval

Important:

• Zip’s terms, fees (including late fees and establishment fees for Zip Money) and conditions apply — see zip.co/au/terms
• Zip is provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 093); we are not responsible for Zip’s services or decisions
• Refunds will be processed back to your Zip account in accordance with Zip’s refund policy

8. Verification Before Payment

Because we sell vaping products, certain orders require verification before payment is finalised:

Age verification: We may need to confirm you are 18+ before processing payment. If verification fails, your order will be cancelled and any payment authorisation released.

Prescription verification (nicotine products): For any nicotine-containing product, you must hold a valid TGA-authorised prescription. We will verify the prescription before completing your transaction. If verification fails, your order will be cancelled and any pre-authorised payment released.

This means some payment methods (especially instant ones like PayID and Google Pay) may only be offered after age and prescription checks are completed.

9. Payment Security

We take payment security seriously. Our payment infrastructure includes:

• SSL/TLS encryption across our entire website
• PCI-DSS compliant payment processing (your full card details never touch our servers)
• Tokenisation of card data by our payment processor
• 3D Secure (e.g. Visa Secure, Mastercard Identity Check) where required by your card issuer
• Fraud detection and screening on every transaction
• No storage of CVV/CVC numbers or full card numbers on our systems

You should never enter your card details on a page that is not served over HTTPS or that shows an invalid security certificate.

10. When You Will Be Charged

For pre-orders, back-orders or prescription-verified orders, your card may be pre-authorised at checkout and only captured when your order ships or is verified.

11. Failed or Declined Payments

If your payment fails or is reversed:

• You will be notified by email
• Your order will be put on hold or cancelled
• Any pre-authorisation will be released by your bank (usually within 5–10 business days)
• Stock is not reserved for cancelled orders

Common reasons for payment failure include insufficient funds, incorrect card details, bank fraud protection, and declined BNPL applications.

12. Refunds

Refunds are issued to the original payment method where possible, in accordance with our [Refund Policy / Returns Policy].

• Credit Card / Google Pay: Refund processed within 5–10 business days after approval
• Direct Transfer / PayID: Refund issued to the same bank account the payment came from (we may ask you to confirm BSB and account number)
• Afterpay / Zip: Refund credited to your Afterpay/Zip account, in line with their policies

We do not refund surcharges paid on the original transaction.

13. GST & Tax Invoices

All prices on our website include GST (10%). A tax-compliant invoice will be emailed to you once your order is paid. If you require a tax invoice with specific details (e.g. business name, ABN), please contact us before placing your order.

14. Disputes and Chargebacks

If you have a concern about a payment, please contact us first at hi@vapeoz.com.au so we can resolve it quickly.

If you raise a chargeback with your card issuer or bank before contacting us, we may need to:

• Cancel your order
• Suspend your account pending investigation
• Provide transaction evidence to dispute the chargeback with your bank

Frivolous or fraudulent chargebacks may result in account closure and referral to relevant authorities.

This page is provided for general informational purposes and does not constitute legal or financial advice. BNPL services (Afterpay, Zip) are provided by their respective Australian-licensed providers; please review their terms before use. Surcharge rates are subject to change in line with Reserve Bank of Australia guidelines.