Payments, Refunds & Security

1. Available payment methods

The payment methods available for your order are shown at checkout and can vary by region, device or basket. ShopXP currently supports Paystack where enabled; the Paystack screen displays the specific card, bank or other methods available for the transaction.

2. Amount and currency

The amount sent for payment must match the final checkout total in South African rand, after merchandise discounts, XP redemption, delivery and applicable VAT. Never approve a payment if the provider displays an unexpected amount; return to ShopXP and contact support.

3. Payment verification

A success page, browser return or bank notification is not the sole source of truth. ShopXP verifies the provider transaction and signed server notification before treating an order as paid. Duplicate notifications do not create duplicate orders or rewards.

A payment can remain pending while a bank or provider completes verification. We do not dispatch an unpaid order.

4. Failed, abandoned or duplicate attempts

A failed or abandoned attempt does not complete the order. A temporary bank authorisation may take time to disappear according to your bank. If you believe you were charged more than once, send us the order or payment references without sending a full card number, PIN, password or one-time password.

5. Refunds

Approved refunds are initiated through the original payment route where reasonably possible. ShopXP will act within the period required by applicable law, but a bank or provider may need additional processing time before the amount appears.

Refunds and chargebacks cause the related XP earning or redemption entries to be adjusted under the Rewards Programme Terms.

6. Staying safe

• ShopXP will never ask for your card PIN, banking password or one-time password by email or telephone.
• Use the checkout and payment-provider pages opened from shopxp.co.za and check the address before entering payment details.
• Contact your bank immediately if you suspect an unauthorised payment, then notify ShopXP so we can preserve relevant transaction records.