Payment Terms

Last Updated: August 11, 2026

Payment Terms

These Payment Terms apply to all checkout transactions on www.lorenya.com, complying with Australian ASIC financial regulations, PCI DSS data security standards and Australian GST taxation rules for online retail businesses.

1. Accepted Payment Methods

We support mainstream secure payment methods widely used in Australia, including Visa, Mastercard, American Express, PayPal, Apple Pay, Google Pay and Afterpay. All payment service providers are regulated by Australian financial authorities.

2. Currency & Tax Compliance

All transactions are processed in Australian Dollars (AUD). All displayed prices include mandatory GST with no hidden checkout fees, fully compliant with ACCC fair trading regulations.

3. Payment Security Standards

Our checkout system adopts end-to-end SSL encryption to protect transaction data. Lorenya does not store complete credit card details or sensitive payment information on servers. All transactions support 3D Secure authentication to prevent fraudulent payments.

4. Billing Address Verification

Your billing address must match the address registered with your financial institution. We reserve the right to suspend or cancel high-risk orders with mismatched billing information for security purposes.

5. Authorisation Hold & Fund Capture

A temporary payment authorisation hold may be applied at checkout. Funds are only formally captured after your order is processed and dispatched. For cancelled orders, payment holds will be released according to Australian bank processing cycles.

6. Transaction Dispute Resolution

We encourage customers to resolve payment-related issues via our official support team before initiating chargebacks. We provide complete order records and supporting documents to ensure fair dispute resolution under Australian financial industry standards.

7. Order Confirmation

A formal payment verification and order confirmation email will be sent to your registered email address immediately after successful transaction completion.