Last updated: 21 August 2026

By Dr Terry Ann is operated by DRULEF RETAIL CC ("By Dr Terry Ann", "we", "us" or "our"). This Payment Policy explains the payment methods and payment-processing terms that apply to purchases made through our website. It should be read together with our Terms of Service, Privacy Policy and Return and Refund Policy.

1. ACCEPTED PAYMENT METHODS

Depending on the payment options enabled at checkout, we may accept the following payment methods:

• Mastercard

• Visa

• American Express

• Discovery

• Diners Club

• JCB

• UnionPay

• Apple Pay

• Google Pay

• Capitec Bank

• Electronic funds transfer (EFT)

Available payment methods may vary from time to time. The payment options currently available for your order will be displayed at checkout. If a payment method is not shown at checkout, it is not available for that transaction.

2. PRICES AND CURRENCY

All prices and payments on our website are processed in South African rand (ZAR), unless otherwise stated. Prices include VAT where applicable. Delivery charges and any other applicable charges will be shown before you complete your order.

If you use a payment card or account denominated in another currency, your bank or payment provider may apply currency-conversion charges, foreign-transaction fees or other charges. These are determined by your payment provider and are not controlled by us.

3. PAYMENT PROCESSING

When you place an order, your chosen payment method will be authorised and/or processed in accordance with the procedures of the relevant payment provider. Payment processing may be handled by Shopify and/or third-party payment service providers.

Once your payment and order have been successfully processed, you will receive an order confirmation by email. An order confirmation records the details of your order but does not alter the order-acceptance provisions set out in our Terms of Service.

4. PAYMENT SECURITY

Payments are processed through secure payment systems operated by Shopify and/or third-party payment providers. Appropriate technical and security measures are used to protect payment information during checkout, but no online payment or transmission system can be guaranteed to be completely secure.

We do not necessarily receive or store your full payment-card details. Payment information is handled in accordance with the security practices and terms of the relevant payment provider and our Privacy Policy.

5. FAILED OR DECLINED TRANSACTIONS

If your payment is declined or unsuccessful, please check that the payment information you entered is correct and that your chosen payment method is available for the transaction. You may also need to contact your bank or payment provider for further information.

If the problem persists, please contact our customer service team using the details below. We may ask you for information reasonably necessary to identify the affected order or transaction, but you should never send us your full card number, PIN or online-banking password.

6. REFUNDS, REVERSALS AND PAYMENT DISPUTES

Refunds, exchanges and returns are handled in accordance with our Return and Refund Policy and your rights under applicable consumer law. Where a refund is approved, it will generally be processed back to the original payment method, where possible and subject to the relevant payment provider’s procedures.

The time taken for a refund to appear in your account may depend on your bank, card issuer or payment provider and may be outside our control after the refund has been submitted for processing.

If you believe a payment has been processed incorrectly or you do not recognise a transaction, please contact us as soon as possible so that we can investigate. This does not limit any rights you may have through your bank, card issuer, payment provider or applicable law.

7. CONTACT US

If you have any questions about this Payment Policy or require assistance with a payment, please contact us using the details below. Our customer service team is available Monday to Friday, 9:00 am to 5:00 pm, and we aim to respond to enquiries within 24 hours.

Business	By Dr Terry Ann / DRULEF RETAIL CC CK2009/153992/23
Email	care@bydrterryann.co.za
Address	24 Nellie Rd, Norwood, Johannesburg, 2192, South Africa