Payment Policy
Effective Date: July 2026
At St Mary's Hardware & Accessories, we are committed to providing a secure and convenient payment experience for all customers. This Payment Policy explains the payment methods we accept and how payments are processed.
Accepted Payment Methods
We accept a range of secure payment methods, including:
- Visa
- Mastercard
- American Express
- Maestro
- Apple Pay
- Google Pay
- Shop Pay
- UnionPay
- Diners Club
- Discover
Available payment options may vary depending on your location, device, and eligibility.
Payment Security
Your security is important to us.
All payments are processed securely through trusted third-party payment providers using industry-standard encryption and secure payment technology.
St Mary's Hardware & Accessories does not store your full credit or debit card information.
Payment Authorisation
When you place an order, your payment may be subject to authorisation and fraud prevention checks.
If authorisation cannot be completed, your order may be delayed, cancelled, or declined.
Pricing
All prices displayed on our website are shown in the applicable currency.
Unless otherwise stated, prices include any taxes required by applicable law.
Shipping charges, where applicable, are calculated and displayed during checkout before payment is completed.
Order Confirmation
Once your payment has been successfully authorised, you will receive an order confirmation email containing:
- Order number
- Purchased items
- Billing summary
- Delivery information
If you do not receive your confirmation email, please check your spam or junk folder before contacting us.
Payment Verification
To help prevent fraud and protect our customers, we may perform additional verification checks before dispatching an order.
Where necessary, we may contact you to confirm certain order details.
Failure to provide requested information may result in order cancellation and a full refund.
Failed or Declined Payments
Payments may be declined for several reasons, including:
- Insufficient funds
- Incorrect billing information
- Bank security checks
- Payment provider restrictions
- Technical issues
If your payment is declined, please contact your bank or payment provider, or try an alternative payment method.
Refunds
Approved refunds will be issued to the original payment method whenever possible.
Depending on your bank or payment provider, refunds generally appear within 5–10 business days after processing.
For complete details, please refer to our Shipping & Returns Policy.
Fraud Prevention
To protect our customers and our business, St Mary's Hardware & Accessories reserves the right to:
- Decline suspicious transactions
- Request identity or address verification
- Cancel orders suspected of fraudulent activity
- Report suspected fraud to the appropriate authorities where required by law
Currency
Payments are processed in the currency displayed during checkout.
If your payment card uses a different currency, your card issuer may apply exchange rates or additional fees. Please contact your bank or card provider for more information.
Contact Us
If you have any questions regarding payments or billing, please contact us:
St Mary's Hardware & Accessories
46 Queen St
St Marys NSW 2760
Australia
Shipping Destination: United Kingdom
Phone: +61 2 9673 5488
Email: support@stmaryshardware.com
Website: stmaryshardware.com