Payment Policy

1. What we accept

We accept the following payment methods:

We do not accept cryptocurrency or any crypto-processing payment method.

2. Currency

All prices are displayed and charged in Pakistani Rupees (PKR). If your card or bank account is held in another currency, your bank converts the amount at its own rate and may add a foreign transaction fee. That fee is set by your bank, not by us.

3. When you are charged

Payment is taken in full at checkout, at the moment you place the order, unless the listing says otherwise.

For made-to-order pieces, payment is taken at checkout and production begins after it clears.

Where Cash on Delivery is available, you pay the courier on delivery, and the order is only dispatched once we have confirmed it with you.

4. Order confirmation

Once your payment is confirmed we send an order confirmation by [email / WhatsApp], with your order number, what you bought, the total paid and the delivery address. If you don't receive it within [24 hours], check your spam folder and then contact us.

5. Card security

Card payments are processed by Bank Alfalah. Your card number, expiry date and CVV are entered on their secure page and are never stored on our servers. We receive only confirmation of whether the payment succeeded, and the last four digits of the card for reference.

The whole site runs over an encrypted HTTPS connection.

6. Failed or declined payments

If a payment is declined, no order is created and no money leaves your account. Some banks hold an authorisation for a short period before releasing it, which can take [3–5 working days] to clear from your statement.

If you were charged but received no confirmation, email admin@dispatchbyconstruct.com with the date, amount and last four digits of the card, and we'll trace it with the bank.

7. Taxes and duties

Prices [include / exclude] applicable Pakistani taxes, which are shown at checkout before you pay.

For international orders, customs duties, import taxes and clearance fees are set by the destination country and are the buyer's responsibility. They are not included in the price or the shipping charge.

8. Membership billing

Membership is [PKR X per month or PKR Y per year], charged to your card at the start of each period.

• Membership renews automatically until you cancel.
• We email you before each renewal.
• You can cancel any time under My Account → Membership, and you keep access until the end of the period you've paid for.
• If a renewal payment fails, we retry [twice over X days] and email you. If it still fails, access to premium content pauses until the payment goes through.
• Membership fees are not refundable for part of a period, except where required by law.

9. Refunds

Refunds are issued to the original payment method, or as store credit if you prefer, within 7–14 working days of a resolution being confirmed. How and when a refund is approved is set out in the Refund & Exchange Policy.

How quickly the money appears in your account after we issue it depends on your bank, usually [3–7 working days] for cards.

10. Pricing errors

If a price is listed incorrectly through an obvious error, we'll contact you before processing the order. You can confirm the order at the correct price or cancel it for a full refund.

11. Fraud prevention

We may cancel an order and refund the payment where we have reasonable grounds to suspect fraud or unauthorised use of a card. Where that happens we'll tell you at the email address on the order.