Payment Methods

How Payment Works

Step-by-Step Payment Process

1. Add Items to Cart: Browse and select products from various vendors
2. Proceed to Checkout: Review your cart and click "Checkout"
3. Enter Delivery Details: Provide shipping address and contact information
4. Select Payment Method: Choose your preferred payment option
5. Complete Payment: Securely enter payment details and confirm
6. Order Confirmation: Receive instant email confirmation of your purchase
7. Vendor Notification: Vendors are notified to process your order

Multi-Vendor Orders

Understanding Multi-Vendor Payments

When you purchase from multiple vendors in one checkout:

• Single Payment: You make one payment for all items at checkout
• Platform Processing: MakhiMarket processes the entire payment securely
• Vendor Distribution: Each vendor receives payment for their items (minus platform fees)
• One Receipt: You receive a single order confirmation and receipt
• Separate Shipping: Each vendor ships independently (separate tracking)

Payment Breakdown

Your total payment includes:

• Product costs from each vendor
• Shipping fees (separate for each vendor)
• Applicable taxes (VAT)
• Any discounts or promotional codes applied

Payment Security & Privacy

How We Protect Your Payment Information

• Encrypted Transmission: All payment data is transmitted using 256-bit SSL encryption
• Secure Processors: Payments are processed by PCI-DSS compliant partners (PayFast, PayPal)
• No Card Storage: We never store your complete card details on our servers
• Tokenization: Card details are replaced with secure tokens for recurring payments
• Fraud Monitoring: Real-time fraud detection and prevention systems
• 3D Secure: Additional authentication layer for card payments

What We Store

For your convenience and security, we only store:

• Last 4 digits of your card number
• Card type (Visa, Mastercard, etc.)
• Expiry date
• Transaction history and receipts

Payment Issues & Troubleshooting

Common Payment Problems

Payment Declined

If your payment is declined, it could be due to:

• Insufficient Funds: Ensure your account has enough balance
• Incorrect Card Details: Double-check card number, expiry date, and CVV
• Bank Security: Your bank may have blocked the transaction - contact them to authorize
• Card Limits: You may have reached your daily/monthly spending limit
• Expired Card: Check if your card is still valid

Payment Pending

Some payment methods take time to clear:

• EFT Payments: 1-2 hours to verify
• Bank Transfers: 24-48 hours to reflect
• International Payments: May take 2-3 business days

Duplicate Charges

If you see duplicate charges on your statement:

1. Check if you accidentally submitted payment twice
2. Wait 3-5 business days - duplicate holds are often released automatically
3. Contact support@makhimarket.co.za with transaction details
4. We'll investigate and process a refund if necessary

Refunds & Cancellations

Refund Processing

When a refund is approved by a vendor:

• Refund Method: Issued to your original payment method
• Processing Time: 5-10 business days for card refunds, 3-5 days for EFT
• Partial Refunds: May be issued if only some items are returned
• Bank Processing: Your bank may take an additional 3-5 days to credit your account

Order Cancellation

If you cancel an order before it ships:

• Contact the vendor immediately (within 1-2 hours of ordering)
• If payment has been processed, a full refund will be issued
• Refund appears in your account within 5-10 business days
• Once shipped, you'll need to follow the return process instead

For detailed refund policies, see our Return Policy.

Currency & Pricing

Accepted Currency

All prices on MakhiMarket are displayed in South African Rand (ZAR/R).

International Payments

If you're paying from outside South Africa:

• Currency Conversion: Your bank/card issuer will convert ZAR to your local currency
• Exchange Rate: Determined by your payment provider at the time of transaction
• Foreign Transaction Fees: Your bank may charge international payment fees (typically 2-3%)
• PayPal: PayPal offers competitive exchange rates for international payments

VAT (Value Added Tax)

All prices include 15% VAT as required by South African law. VAT-registered businesses can request VAT invoices from "My Account" > "Order History".

Receipts & Invoices

Order Confirmation

After successful payment, you'll receive:

• Email Confirmation: Sent immediately to your registered email
• Order Number: Unique reference for tracking and support
• Payment Receipt: Proof of payment with transaction details
• Itemized Breakdown: List of all products, vendors, shipping costs, and taxes

Accessing Receipts

Download receipts anytime from:

• Your email (order confirmation message)
• "My Account" > "Order History" > Select order > "Download Receipt"
• Contact support to request a copy

VAT Invoices

For VAT-registered businesses:

• Log in to your account
• Go to "Order History" and select the order
• Click "Download VAT Invoice"
• Invoice includes vendor VAT number, your details, and VAT breakdown