Payment Options Policy

1. About this policy

This Payment Options Policy explains the payment methods that may be available when purchasing from Kwickshop.

Payment options may vary depending on product category, order value, promotional offer, finance provider availability and checkout settings.

2. Accepted payment methods

Kwickshop may accept selected payment methods shown at checkout. These may include card payments, online payments, bank transfer or approved finance options.

A payment method appearing on the website does not guarantee that it will be available for every order.

3. humm90 / humm finance and weekly payment options

Kwickshop may display humm90 or humm finance options on selected products. These options allow eligible customers to apply for finance and pay over time, subject to approval by humm.

humm finance is provided by Once Credit Pty Limited ABN 99 112 319 632, Australian Credit Licence No. 386194, or another relevant humm group entity as stated in the customer’s finance documents. Kwickshop is the product retailer and does not act as the lender or credit decision-maker.

• Approved applicants only.
• Finance is subject to humm’s eligibility, verification, credit and lending criteria.
• Fees, charges, terms and conditions may apply.
• Weekly payment examples are estimates only and may change after humm assessment.
• The final loan amount, repayments, fees, charges, term and total amount payable are confirmed by humm before the customer accepts the finance agreement.
• Kwickshop cannot guarantee approval or a particular credit limit.

Customers should read all humm finance documents carefully before accepting finance. For finance account questions, repayments, fees, declined applications or hardship support, customers should contact humm directly.

4. Payment confirmation

Orders are generally processed after payment or finance approval has been confirmed. If payment is declined, reversed, delayed or flagged for review, Kwickshop may delay or cancel the order.

• We may request extra information to verify an order.
• We may cancel an order if payment cannot be verified.
• We may refuse suspicious, fraudulent or unauthorised transactions.
• Stock is not guaranteed until the order is accepted and confirmed.

5. When finance orders are processed

If a customer chooses humm90 or humm finance, Kwickshop will generally process the order only after finance approval, payment confirmation, order verification and stock availability are confirmed.

• An application being submitted does not mean the order is approved or confirmed.
• If humm declines the application, the customer may need to choose another available payment method.
• If humm approves a lower credit amount, the customer may need to pay the difference or select a different product.
• If additional documents are required by humm, the order may be delayed until the finance application is finalised.
• Kwickshop may cancel or hold the order if finance approval or payment confirmation is not received.

6. Pricing, errors and availability

We aim to keep prices, product information and payment examples accurate. However, errors may occasionally occur.

If a pricing, product, payment or availability error is identified, Kwickshop may contact the customer to correct the issue, cancel the order or provide a refund where appropriate.

7. Failed payments and cancelled finance applications

If a payment fails or a finance application is not approved, Kwickshop may not be able to process the order.

Customers may choose another available payment option where permitted.