Payment & Transaction Policy

Purpose and Scope

This policy applies to payments and transactions made in connection with products and services supplied by T-Shirts Durban.

This includes transactions relating to:

• Plain apparel.
• Bulk clothing orders.
• Custom printing.
• Embroidery.
• Branded clothing.
• Uniforms.
• Workwear.
• Promotional apparel.
• Delivery and related services.

Prices and VAT

Prices may be displayed on the T-Shirts Durban website, provided by quotation, or confirmed by invoice.

The applicable quotation or invoice should clearly indicate whether the price includes VAT.

Customers should check the total amount payable before making payment.

Quotations

A quotation may specify:

• Products.
• Sizes and colours.
• Quantities.
• Unit prices.
• Branding charges.
• Artwork or setup fees.
• Delivery fees.
• VAT.
• Payment terms.
• Quotation validity.

Quotations may be subject to stock availability and supplier price changes until the relevant order and payment requirements have been satisfied.

Acceptance of a Quotation

A quotation may be accepted through an agreed written method, including email or WhatsApp, or through payment where payment is clearly linked to the quotation.

Before accepting a quotation, customers should verify:

• Product descriptions.
• Quantities.
• Sizes.
• Colours.
• Branding requirements.
• Delivery or collection arrangements.
• Total price.

Payment Methods

T-Shirts Durban may accept payment through payment methods communicated directly to the customer for the relevant transaction.

Banking Details and Fraud Prevention

Customers should take care when receiving banking instructions by email, messaging service or another electronic channel.

Before making a significant payment, customers should verify payment instructions if:

• Banking details have changed.
• The message appears unusual.
• The sender's email address looks different.
• You are asked to pay into an unexpected account.
• You receive conflicting payment instructions.

Proof of Payment

Customers may be asked to provide proof of payment to assist with transaction identification and order processing.

Proof of payment does not necessarily mean that cleared funds have been received.

T-Shirts Durban may wait for payment to reflect or otherwise be confirmed before releasing stock or starting production.

Payment References

Customers should use the payment reference requested on the quotation, invoice or payment instruction.

This may include:

• Invoice number.
• Quotation number.
• Order number.
• Customer name.
• Other agreed reference.

An incorrect or missing reference may delay allocation of the payment to the correct order.

Deposits and Advance Payments

Certain orders may require a deposit or full advance payment before stock is reserved, ordered or placed into production.

Custom printing and personalised production may require payment before:

• Garments are ordered.
• Artwork preparation begins.
• Screens are produced.
• Embroidery files are prepared.
• Transfers are produced.
• Production is scheduled.

Payments and Production

Payment alone does not necessarily mean production can begin immediately.

Custom orders may also require:

• Final artwork.
• Customer proof approval.
• Stock availability.
• Final size and colour confirmation.
• Completion of other agreed production requirements.

Production lead time may begin only after all required items have been received or approved.

Payment and Stock Reservation

Stock may not be considered finally reserved until payment or another agreed payment requirement has been completed.

Stock availability may change between quotation and payment, particularly where products are supplied through external manufacturers, wholesalers or importers.

If the original product becomes unavailable, T-Shirts Durban may discuss alternatives with the customer.

Unpaid Order Holds

T-Shirts Durban may place stock or quotations on temporary hold while awaiting payment.

A temporary hold does not necessarily create an indefinite reservation.

Where payment is not received within the applicable period, stock may be released or returned to general availability.

Transaction Confirmation

A transaction may be confirmed through documents such as:

Incorrect Payment Amounts

If a customer pays less than the required amount, the outstanding balance may need to be paid before the order proceeds.

If a customer appears to have paid more than the required amount, T-Shirts Durban may verify the transaction before processing any refund or account adjustment.

Duplicate Payments

If a duplicate payment is made, the customer should contact T-Shirts Durban and provide:

• Customer name.
• Invoice or quotation number.
• Payment date.
• Payment amount.
• Proof of both payments where available.

The transaction will be reviewed before any refund or credit is processed.

Refunds

Refund eligibility depends on the reason for the refund, the status of the order, whether costs have already been incurred and applicable South African consumer law.

Refunds may require reasonable verification of:

• The original transaction.
• The person who made payment.
• The applicable order or invoice.
• The reason for the refund.
• The account to which the refund may lawfully be made.

Payments for Customised Orders

Custom printed, embroidered or personalised orders may involve non-recoverable costs once work begins.

These may include:

• Artwork preparation.
• Garments ordered specifically for the customer.
• Screen setup.
• Embroidery digitising.
• Transfers or printed media.
• Completed branding.
• Other custom production costs.

Cancellation or refund requests for personalised products are therefore considered together with the Custom Printing / Personalised Products Policy and applicable consumer law.

Payment Disputes and Chargebacks

If a customer believes a payment or transaction is incorrect, they should contact T-Shirts Durban as soon as reasonably possible so the matter can be investigated.

Customers should provide relevant supporting information, including:

• Order number.
• Invoice or quotation.
• Proof of payment.
• Transaction date.
• Amount disputed.
• Description of the issue.

Nothing in this policy prevents a customer from exercising a lawful right or remedy available through a payment provider, bank or applicable legislation.

Transaction Security

Customers should take reasonable steps to protect themselves when making electronic payments.

Good payment security practices include:

• Checking the recipient before approving payment.
• Verifying unexpected banking changes.
• Using trusted devices and internet connections.
• Protecting banking passwords and PINs.
• Not sending passwords or card PINs to T-Shirts Durban.
• Checking payment amounts carefully before confirmation.

Third-Party Payment Services

Where a payment is processed through a bank, gateway or other third-party payment service, the transaction may also be subject to that provider's systems, terms and security controls.

T-Shirts Durban does not control all aspects of independent third-party banking or payment infrastructure.

Invoice or Pricing Errors

Customers should notify T-Shirts Durban if they believe an invoice, quotation or transaction record contains an error.

Where an obvious clerical, data-entry or calculation error is identified, T-Shirts Durban may issue a corrected document.

Currency

Unless otherwise agreed or indicated, prices and payments are expressed in South African Rand (ZAR).

Where a customer uses a foreign bank or card, that customer's financial institution may apply exchange rates, conversion charges or international transaction fees.

Transaction Records

T-Shirts Durban may retain appropriate transaction records for accounting, tax, audit, customer service, fraud prevention, dispute resolution and legal-compliance purposes.

Transaction records may include:

• Quotations.
• Invoices.
• Payment references.
• Proofs of payment.
• Credit notes.
• Refund records.
• Customer correspondence.

Consumer Rights

Nothing in this policy is intended to remove, limit or replace any consumer right that cannot lawfully be excluded under applicable South African law.

Where mandatory consumer-protection legislation applies, that legislation takes precedence over inconsistent policy wording to the extent required by law.

Changes to This Policy

T-Shirts Durban may update this Payment & Transaction Policy where reasonably necessary to reflect changes in payment methods, business practices, security procedures, technology or applicable requirements.

The version published on the T-Shirts Durban website should be treated as the current website version unless otherwise indicated.

Payment & Transaction Contact Details

Contact T-Shirts Durban if you have a payment allocation, invoice, duplicate payment, refund or transaction enquiry.