Payment Terms

KARNIAS trading as Karnias
Email: hello@karnias.shop
Phone: +61 433 738 522
Address: 384 Lillian Ave, Salisbury QLD 4107, Australia

1. Scope & Application

These Payment Terms & Conditions (the "Terms") govern all payment transactions made through the Karnias website (the "Site"), and form a binding agreement between you (the "Customer", "you", "your") and KARNIAS (the "Company", "we", "us", "our").

By placing an order, completing a payment transaction, or accessing the Site, you acknowledge that you have read, understood, and unconditionally agreed to these Terms, in conjunction with our Terms of Service, Privacy Policy, and Refund Policy. These Terms apply to all Australian domestic and international orders placed through our Site.

These Terms are drafted in compliance with the Australian Consumer Law (ACL) (Schedule 2 of the Competition and Consumer Act 2010 (Cth)), the Privacy Act 1988 (Cth), and relevant Australian payment card industry regulations.

2. Key Definitions

  • Transaction Date: The date on which you submit payment and we receive successful payment confirmation from our payment processor.
  • Payment Method: Any valid payment channel accepted by us as set out in Clause 3 of these Terms.
  • PCI DSS: Payment Card Industry Data Security Standard, the global security standard for payment card processing.
  • GST: Goods and Services Tax, the 10% value-added tax applicable in Australia.
  • Chargeback: A payment reversal initiated by your card issuer or payment provider, following a dispute of a transaction.
  • Pre-authorisation: A temporary hold placed on funds in your payment account to verify availability of funds for an order.

3. Accepted Payment Methods

We accept the following secure, PCI DSS-compliant payment methods for all orders placed on our Site. We do not accept cash, cheques, bank transfers, or offline payment methods at this time.

3.1 Credit & Debit Cards

  • Visa
  • Mastercard
  • American Express
  • Diners Club
  • Discover

All card payments are processed in real time. You must be the named account holder of the payment card used, and we reserve the right to request proof of identity and card ownership to verify transactions.

3.2 Digital Wallets

  • Apple Pay
  • Google Pay

Digital wallet payments are subject to the terms and conditions of your wallet provider. You are responsible for ensuring your wallet account is active, valid, and has sufficient funds to complete the transaction.

3.3 Third-Party Payment Processors

  • PayPal
  • Shop Pay

Payments made via PayPal or Shop Pay are subject to the respective provider's user agreements. For Shop Pay Installments, eligibility, repayment terms, and fees are determined solely by Shop Pay and its lending partners, and we are not liable for any terms or disputes arising from your installment agreement.

4. Payment Processing & Order Confirmation

When you place an order on our Site, you will be redirected to our secure payment gateway to complete your transaction. The following process applies to all orders:

  1. Order Submission: You submit an order and select your preferred payment method.
  2. Payment Initiation: You provide payment details and authorise the transaction for the full order amount (including product price, shipping fees, and applicable taxes).
  3. Real-Time Verification: Our payment processor verifies your payment details, fund availability, and performs anti-fraud checks.
  4. Payment Capture: Upon successful verification, payment is captured in full at the time of order submission, unless otherwise specified for pre-order or custom items.
  5. Payment Confirmation: We will send an automated payment confirmation email to the address provided at checkout, immediately after successful payment processing.
  6. Order Acceptance: Payment confirmation does not constitute our acceptance of your order. A binding contract of sale is only formed when we send you a separate order acceptance email confirming that your order has been processed and is ready for dispatch.

We reserve the right to refuse or cancel any order at our sole discretion, at any time prior to order acceptance, for any reason including but not limited to payment verification failure, suspicious activity, unavailable stock, or pricing errors. In such cases, a full refund of the paid amount will be issued to your original payment method without delay.

5. Pricing, Currency & Tax Compliance

5.1 Currency

All prices listed on the Site, and all payment transactions, are processed in Australian Dollars (AUD). We are not liable for any currency conversion fees, foreign exchange fluctuations, or charges applied by your bank or payment provider for international transactions.

5.2 GST & Domestic Taxation

All prices displayed for Australian domestic orders include 10% GST, where applicable. GST is calculated at checkout based on the total order value, and a tax invoice will be included with your order dispatch confirmation email.

5.3 International Duties & Taxes

For orders shipped outside of Australia, the price displayed at checkout does not include any import duties, customs fees, levies, or sales taxes imposed by the destination country. All such charges are the sole responsibility of the customer, and payment is required to clear your order through customs in the destination country.

We have no control over these charges, and cannot provide an estimate of the total cost, as customs policies vary widely between countries. We recommend contacting your local customs office for detailed information prior to placing an international order.

6. Pre-Authorisation & Fund Holds

For pre-order items, custom-made products, or backordered items, we may place a temporary pre-authorisation hold on your payment method for the full order amount, rather than capturing full payment immediately.

Pre-authorisation holds will remain in place for a maximum of 30 calendar days, or until your order is dispatched and full payment is captured, whichever occurs first. If your order cannot be fulfilled within the 30-day period, we will release the pre-authorisation hold and notify you in writing.

You acknowledge that pre-authorisation holds may restrict the availability of funds in your payment account. We are not liable for any overdraft fees, declined transactions, or other charges incurred by you as a result of a valid pre-authorisation hold placed in accordance with these Terms.

7. Payment Security & Data Privacy

We take the security of your payment and personal data extremely seriously, and maintain strict compliance with global and Australian data security standards.

  • All payment transactions are processed through PCI DSS-compliant payment gateways, using industry-standard TLS 1.2+ encryption to protect your data during transmission.
  • We do not store full payment card details (including card number, CVV, or expiry date) on our servers, databases, or internal systems after the transaction is completed.
  • All payment data handling is performed by our licensed, regulated payment service providers, who are solely responsible for the secure processing of your payment information.
  • We comply fully with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) in the collection, use, and storage of your personal and payment data. For full details, please review our Privacy Policy.

8. Failed Payments & Declined Transactions

If your payment is declined, fails to process, or is returned by your bank or payment provider, your order will not be fulfilled, and no contract of sale will be formed. Common reasons for payment failure include, but are not limited to:

  • Insufficient funds or available credit in your account
  • Expired payment card or invalid payment details
  • Transaction restrictions imposed by your bank or card issuer
  • Failed 3D Secure or other security verification checks
  • Incorrect billing address or cardholder information

In the event of a failed payment, we will send you a notification email, and your unpaid order will be held for a maximum of 24 hours. You may retry payment using the same or an alternative payment method within this 24-hour window. After 24 hours, the unpaid order will be automatically cancelled, and the items will be returned to available stock.

We are not liable for any fees or charges applied by your bank or payment provider as a result of a declined or failed payment. It is your responsibility to ensure your payment details are correct and your account is authorised to complete the transaction prior to placing an order.

9. Refunds, Payment Reversals & Chargebacks

9.1 Refund Processing

All approved refunds will be processed exclusively to the original payment method used for the purchase. We cannot process refunds to a different payment method, bank account, or third-party account, in compliance with anti-money laundering and anti-fraud regulations.

Once we receive and approve your refund request, we will initiate the refund transaction within 1-3 business days. The time taken for the refund to appear in your account is determined solely by your bank or payment provider, and typically ranges from 5-10 business days for card payments, and 1-3 business days for digital wallet and PayPal transactions.

For partial refunds (e.g. for partially returned items, cancelled pre-order items, or shipping fee adjustments), the refund amount will be calculated pro-rata, including any applicable GST adjustments, and processed in accordance with the above timelines.

9.2 Chargebacks & Disputes

If you initiate a chargeback or payment dispute with your card issuer or payment provider for a transaction, we reserve the right to:

  • Suspend all pending orders and future purchases on your account immediately
  • Provide comprehensive evidence of the transaction, order fulfilment, and your agreement to these Terms to the payment provider and card issuer
  • Recover any costs incurred by us as a result of the chargeback, including chargeback fees, administrative costs, and legal fees, if the dispute is resolved in our favour

We encourage you to contact us directly at hello@karnias.shop prior to initiating a chargeback, to resolve any issues or disputes in a timely manner.

10. Fraud Prevention & Order Verification

We maintain robust anti-fraud systems and protocols to protect both our customers and our business from unauthorised transactions and fraudulent activity.

We reserve the right to perform additional verification checks on any order, at our sole discretion, including but not limited to:

  • Requesting a copy of your government-issued photo ID
  • Requesting a copy of the front and back of the payment card used (with sensitive details redacted)
  • Verifying that the billing address provided matches the address on file with your card issuer
  • Confirming order details and delivery address via email or phone prior to dispatch

If you fail to provide the requested verification information within 48 hours of our request, we reserve the right to cancel your order and issue a full refund to your original payment method.

We will cancel any order that we reasonably suspect to be fraudulent, unauthorised, or in breach of these Terms, and will report all fraudulent activity to the Australian Federal Police, relevant financial regulators, and payment card networks.

11. Australian Consumer Law Statutory Guarantees

Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

Nothing in these Terms is intended to exclude, restrict, or modify your statutory rights under the Australian Consumer Law or any other applicable Australian legislation.

12. Amendments to These Terms

We reserve the right to amend, update, or modify these Payment Terms & Conditions at any time, at our sole discretion. Any changes will be posted on this page, with the "Last Updated" date revised accordingly.

Changes will take effect immediately upon posting. Your continued use of the Site and placement of orders after the changes are posted constitutes your acceptance of the revised Terms. We recommend reviewing this page regularly to stay informed of any updates.

13. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of New South Wales and the Commonwealth of Australia.

Any dispute, controversy, or claim arising out of or in connection with these Terms, including any question regarding its existence, validity, or termination, will first be resolved through good faith negotiation between you and us. If the dispute cannot be resolved through negotiation within 30 calendar days, either party may submit the dispute to the exclusive jurisdiction of the courts of New South Wales, Australia.

14. Contact Information

If you have any questions, concerns, or enquiries regarding these Payment Terms, payment processing, refunds, or transaction disputes, please contact our customer service team at:

Email: hello@karnias.shop

Phone: +61 433 738 522

Address: 384 Lillian Ave, Salisbury QLD 4107, Australia

Last Updated: April 2026