Payment Policy

Effective Date: July 23, 2025

Legal Name: HOMEGROWN ENTERPRISES

Trading As: Homegrown Stores

ABN: 30 358 009 057

ASIC Registration: Active (31 July 2024)

Business Address: 6/10 Charlotte Street, Parap NT 0820, Northern Territory, Australia

Phone Number: +61406045181

Email: info@homegrown-stores.com.au

Business Hours: 9AM - 6PM (Mon-Sat), (GMT+10:00) Australian Eastern Standard Time (Melbourne)

Legal Notice:

"HOMEGROWN ENTERPRISES" (ABN 30 358 009 057) is our registered business name with the Australian Securities & Investments Commission under the Business Names Registration Act 2011. We trade under the name "Homegrown Stores" for retail operations. All legal contracts and formal documents reference our registered business name.

1. Accepted Payment Methods

We offer a wide range of secure payment options to ensure a smooth and convenient checkout experience:

Credit & Debit Cards

Visa
Mastercard
American Express
Union Pay
JCB

Digital Wallets & Online Payments

PayPal
Apple Pay
Shop Pay
Google Pay

All payments are securely processed using SSL encryption and comply with PCI-DSS standards (Payment Card Industry Data Security Standard), ensuring your information remains protected.

2. Currency

All prices and transactions on our website are processed in Australian Dollars (AUD). If you're using an international card, your bank may apply currency conversion fees based on the exchange rate at the time of purchase.

3. Payment Processing

Payments are processed immediately upon order confirmation.
Orders will only be dispatched once full payment is successfully received.
You will receive an order confirmation email after successful payment.

In the event that a payment fails or is flagged for security verification, we may place your order on hold and contact you for further verification.

4. Payment Security

At Homegrown Stores, your payment security is our top priority.

We use SSL encryption, tokenization, and secure checkout gateways.
We do not store your complete credit card or banking details on our servers.
Our checkout system is PCI-DSS compliant and works with trusted third-party providers.

5. Fraud Prevention

To protect both our customers and our business, all transactions are subject to review. If a transaction appears suspicious or potentially fraudulent, we reserve the right to:

Request identity verification or billing confirmation
Cancel or hold the order until the payment is verified
Report suspicious activity to relevant financial institutions or authorities

6. Buyer's Responsibility

Please ensure that all billing information entered at checkout is accurate and up-to-date. We are not responsible for delays caused by incorrect payment or billing details.

7. Refunds and Chargebacks

Refunds are issued only to the original payment method used at the time of purchase.
If you initiate a chargeback without contacting us first, we reserve the right to dispute the claim and/or restrict future purchases.

Please refer to our Refund & Return Policy for full details.

8. Taxes and GST

All prices displayed including GST (Goods and Services Tax) as required by Australian law.
If you require a tax invoice, it will be automatically included in your order confirmation email.

9. Declined Payments & Errors If your payment is declined

Double-check your card number, expiry, and billing address

Ensure your card has sufficient funds

Try another method such as PayPal or Shop Pay

If problems persist, please contact your card issuer or email us at info@homegrown-stores.com.au for support.

10. Questions?

If you have any questions regarding payment, please don’t hesitate to contact our team.