Payment Terms

1. Supported payment methods

Furnix UG may offer MTN MoMo, Airtel Money, hosted Visa/Mastercard, bank transfer, verified offline payment and Pay After Delivery. Available methods can vary by order value, location, vendor or risk checks and are controlled from the Furnix UG payment dashboard.

2. Mobile Money

For MTN MoMo or Airtel Money, Furnix UG may create a payment request to the customer number entered at checkout. The customer must approve the request using the provider's own secure process. Furnix UG will never ask a customer to disclose a mobile-money PIN.

3. Card payments

Visa and Mastercard payments should be completed through an approved hosted payment gateway or acquiring partner. Furnix UG should not collect or store the customer's full card number, expiry date or CVV in its own database.

4. Bank and offline payments

A bank transfer, deposit or other offline payment is not treated as paid merely because a customer enters a transaction reference. Furnix UG must verify the payment before it is recorded in the ledger and before a receipt is treated as confirmed.

5. Pay After Delivery

Where Pay After Delivery is enabled, the customer remains liable for the outstanding order balance when delivery is completed. Payment should only be made to the authorised channel or representative identified by Furnix UG for that order. A Furnix UG receipt is generated after the payment is recorded and verified.

6. Payment requests and order status

Submitting checkout creates an order and, where applicable, a separate payment request. A payment request may be pending, successful, failed, expired or awaiting manual verification. Furnix UG may hold fulfilment until sufficient payment or an approved Pay After Delivery arrangement is confirmed.

7. Receipts, refunds and reversals

Verified receipts, refunds and adjustments are recorded against the order. Refund processing time depends partly on the original payment provider and bank/mobile-money processing rules. Furnix UG may request additional verification before refunding to prevent fraud or misdirection.

8. Fraud and suspicious transactions

Furnix UG may pause an order, request identification or contact verification, reject a suspicious payment claim or cancel a transaction where reasonably necessary for security, fraud prevention or legal compliance.