Payment Policy

1. Currency and confirmed prices

Prices are stated and settled in Nigerian Naira (NGN) unless MarvellousGrace expressly agrees otherwise. Product or service price, quantity, deposit if any, and delivery charge will be confirmed before the final transaction. A website or catalogue display remains subject to current availability and confirmation.

2. Approved payment methods

Depending on the transaction, an approved method may include bank transfer, an approved payment gateway when one is activated and expressly presented, card, POS, cash for an approved in-person transaction, or another method specifically confirmed by MarvellousGrace.

The current website does not claim that Paystack or any particular online gateway is active. Use only payment instructions supplied through an official MarvellousGrace channel and verify any unexpected account change before paying.

3. Payment confirmation and dispatch

Payment is generally confirmed before dispatch unless MarvellousGrace expressly agrees otherwise. A transfer screenshot, debit alert, receipt image, or customer message does not necessarily prove that cleared funds have reached the correct account. Fulfilment may remain on hold while payment is verified.

4. Deposits

A deposit may be required for custom, altered, special-order, sourced-on-request, beauty, or styling work. Before payment, MarvellousGrace should disclose the amount, what it secures, when the balance is due, and any reasonable cancellation consequence tied to committed materials, labour, or reserved appointment time.

Deposit treatment remains subject to the confirmed terms, the Cancellation Policy, and applicable statutory rights.

5. Pending, failed, or reversed payments

An order is not treated as paid while a transaction is pending, failed, reversed, charged back, sent to an incorrect recipient, or otherwise not verified. MarvellousGrace may ask you to check with your financial institution and may place the order on hold. Do not pay twice unless the status has been checked through an official channel.

6. Duplicate payments and overpayments

Report a suspected duplicate payment or overpayment with the order reference, amount, date, and non-confidential transaction reference. After verification, MarvellousGrace will reconcile the amount and arrange an appropriate refund or agreed credit through a reasonable verified method.

7. Fraud prevention and confidential information

MarvellousGrace may pause or decline a transaction while it checks unusual instructions, payer mismatch, suspected impersonation, fraudulent activity, or other legitimate security concerns. Reasonable identity or transaction verification may be requested.

MarvellousGrace will never request your PIN, OTP, online-banking password, full card security code, or other confidential banking credentials. Do not send them by WhatsApp, email, telephone, form, or any other channel.

8. Records, receipts, and delivery fees

MarvellousGrace may issue or retain reasonable transaction records showing the item or service, amount, date, payment status, and order reference. Keep your own confirmation. Delivery fees are disclosed separately unless expressly included in the confirmed price.

9. Refunds

Refund eligibility is governed by the Returns, Exchanges & Refunds Policy, the Cancellation Policy, the confirmed transaction, and applicable law. Approved refunds are made through a reasonable verified method; processing time may depend on the payment channel or receiving institution.

10. Payment support

For a payment query, provide the name used for the order, order reference, amount, date, and a non-confidential transaction reference. Never include a PIN, OTP, password, or full card credential.