This Payment Policy explains the payment methods currently accepted by Pallet Town PTY LTD, when payment is required, how payments are identified and confirmed, and what customers should do if a payment is delayed, declined, duplicated or sent using incorrect details.
Pay directly from your Australian bank account using the BSB, account number and payment reference displayed on your authorised invoice.
Eligible customers may make a faster bank payment through Osko using the approved account details or PayID stated in their payment instructions.
Visa, Mastercard and other credit-card payments are currently unavailable through our website and sales team.
If an email, text message or invoice provides bank details that differ from previously supplied details, do not make the payment until you have verified the change using contact information published on the Pallet Town website.
This policy applies to payments made for products and services purchased directly from Pallet Town PTY LTD through our website, an authorised quotation, an invoice or an authorised sales representative.
It applies to liquidation pallets, customer-return pallets, wholesale lots, delivery charges, deposits, order balances, redelivery fees and other amounts properly payable to Pallet Town.
This policy forms part of our Terms and Conditions and should be read with our Terms of Service, Shipping Policy, Privacy Policy and Returns and Refunds Policy.
Where an individually negotiated invoice or written payment agreement contains different terms, that document applies to the relevant order to the extent that it is lawful and clearly accepted by both parties.
Pallet Town currently accepts the following payment methods:
Standard electronic transfer using the authorised BSB and account number displayed on your invoice.
Faster bank transfer through participating Australian financial institutions.
Credit-card payment facilities are not currently active.
Unless Pallet Town expressly agrees otherwise in writing, we do not accept:
Pallet Town does not currently accept payment by Visa, Mastercard, American Express or other credit or debit cards.
Customers must not send card numbers, expiry dates, card security codes, card photographs or other payment-card credentials by email, contact form, SMS or social media.
If credit-card payments become available in the future:
Any future card surcharge will not exceed the amount permitted by Australian law and applicable payment-network rules.
Customers may pay by electronic bank transfer using the details shown on an authorised Pallet Town invoice or written payment instruction.
Before confirming the transfer, the customer should check:
Standard bank transfers may take longer to appear than Osko payments. Processing times depend on the sending bank, receiving bank, time of transfer, transaction value and any bank security review.
An online-banking receipt shows that a transfer was submitted. It does not necessarily prove that cleared funds were received in Pallet Town’s account.
Customers whose banks support Osko may be able to make a faster payment using the authorised account details or PayID stated in the applicable payment instructions.
Osko payments are generally processed in near real time between participating Australian financial institutions, including outside ordinary banking hours.
An Osko payment may still be delayed, held or rejected because of the customer’s daily transfer limit, first-time-payee hold, incorrect information, bank maintenance, transaction monitoring or security checks.
Pallet Town does not control the customer’s bank limits or bank security procedures.
Customers must use only the bank details stated on:
Payment-redirection scams may use altered invoices or compromised email accounts. Verify unexpected changes through independently sourced Pallet Town contact details before transferring funds.
Pallet Town will never ask customers to disclose:
Customers must include the invoice number, order number or other reference specified in their payment instructions.
The reference helps us:
If a required reference was omitted or entered incorrectly, contact us and provide:
Payment is due by the date stated at checkout, on the quotation, invoice or written payment agreement.
Unless another arrangement is expressly stated, an order is not scheduled for dispatch until the required amount has been received in cleared funds.
If payment is not received by the due date, Pallet Town may:
An invoice due date does not remove any statutory cooling-off, cancellation or consumer right that applies to the transaction.
A payment is treated as received when it appears in the authorised Pallet Town account in cleared and usable funds.
After payment is confirmed, we may:
Customers should retain the bank receipt until Pallet Town confirms that the payment has been matched to the order.
Where a payment is received without enough information to identify the order, fulfilment may be delayed until the payment is matched.
Banks may delay, limit, hold or review a payment for reasons including:
A bank delay does not constitute receipt by Pallet Town. The customer should contact their bank if the transfer remains pending or is marked for review.
A payment may fail, be rejected or be reversed because of insufficient funds, incorrect account information, bank limits, fraud concerns, account restrictions or another banking issue.
If a payment fails:
Pallet Town may pause fulfilment until the full required amount has been received.
Any fee charged by the customer’s bank for a failed or rejected transfer is the customer’s responsibility unless the failure was caused by incorrect information supplied by Pallet Town.
Deposits, staged payments or split-payment arrangements are accepted only where stated on the invoice or agreed in writing before payment.
A payment schedule should identify:
A customer must not assume that sending a partial payment secures stock unless Pallet Town confirms the arrangement.
Any deposit or partial payment will be handled in accordance with the agreed terms, Australian Consumer Law and our Returns and Refunds Policy.
Contact us promptly if you accidentally pay more than the amount shown on the invoice.
After verifying the overpayment, Pallet Town may:
We may request reasonable evidence and confirmation of the correct refund account before returning an overpayment.
Pallet Town will not send an overpayment refund to an unrelated third party merely because the request is made by email.
If the same invoice is paid more than once, contact us with both transaction records.
Once the duplicate payment has been verified, the additional amount will be refunded or applied in another manner agreed with the customer.
A duplicate-payment refund will normally be returned to the original payer or verified originating account where reasonably practicable.
Bank processing times may affect when the returned amount appears in the customer’s account.
Customers must carefully review bank details before authorising a payment.
If a payment was sent to incorrect details:
Pallet Town cannot confirm an order as paid where funds were sent to an account that is not controlled by Pallet Town.
Responsibility for an incorrect transfer will depend on the circumstances, including whether the customer used authorised details and whether either party contributed to the error or fraud.
Pallet Town may conduct reasonable payment and identity checks to protect customers and the business.
We may request:
We may place an order on hold while investigating a reasonably suspected unauthorised, fraudulent or mistaken payment.
Verification requests will be proportionate to the transaction. Customers should redact unrelated account balances or transaction details before supplying a bank receipt where possible.
Pallet Town will provide an invoice, receipt, payment confirmation or other transaction record as appropriate.
A payment document may include:
Customers should contact us promptly if an invoice contains an incorrect name, address, order quantity, price or payment amount.
Transaction documents will clearly identify the products or services supplied, the amount paid or payable, and the relevant order or invoice reference.
Approved refunds are processed in accordance with our Returns and Refunds Policy and Australian Consumer Law.
Our standard maximum refund processing period is 14 business days after the refund has been approved and any required return conditions have been satisfied.
A refund will normally be returned to:
We may request proof of account ownership before sending a refund to different bank details.
Bank processing times may affect when the refund appears after Pallet Town issues it.
View Returns and Refunds PolicyPallet Town does not currently impose a credit-card surcharge because credit-card payments are unavailable.
Pallet Town does not ordinarily charge a separate processing fee for standard Bank Transfer or Osko payments.
Customers remain responsible for fees charged by their own bank, including:
If another paid payment method is introduced, any fee or surcharge imposed by Pallet Town will be clearly disclosed before payment and will comply with applicable Australian law.
All prices and payments are in Australian dollars unless expressly stated otherwise.
A customer making an international bank transfer is responsible for ensuring that Pallet Town receives the full Australian-dollar amount shown on the invoice.
International transfers may incur:
Any shortfall caused by exchange rates or bank fees remains payable unless Pallet Town agrees otherwise in writing.
Sending payment does not by itself create an accepted sales contract where stock, delivery or transaction verification is still pending.
An order is accepted when Pallet Town:
If Pallet Town cannot accept a paid order, we will offer an appropriate alternative or refund the amount paid.
Payment does not remove a customer’s rights concerning unavailable, faulty, unsafe or misdescribed goods.
Contact Pallet Town promptly if you believe:
Include your name, order number, invoice number, payment date, payment amount and relevant transaction evidence.
Both parties should attempt to resolve the issue in good faith. Nothing in this policy prevents a customer from contacting their bank, a regulator, consumer agency, tribunal or court where appropriate.
We may update this policy to reflect changes to our payment methods, banking arrangements, security procedures, website systems or legal obligations.
Changes may include:
Updated policies will be published with a revised effective date. A change will not retrospectively alter an accepted order unless agreed or required by law.
Contact our sales team before transferring money if you are uncertain about an invoice, account detail, reference, payment amount or requested change.
When contacting us, provide only the information needed to identify the transaction. Do not send passwords, security codes, full card details or banking-app login information.
Include your order or invoice number so we can identify and review the payment efficiently.
