Frog Cables Payment Security Policy
This policy is hereby incorporated into and forms part of our agreement with you. You must read this policy together with our Terms and Conditions.
Although we cannot prevent all security threats, we have measures in place to minimise threats to your information.
Payment Security
Our payment gateways only use the strictest forms of encryption at checkout, namely Let’s Encrypt CA (SSL) and no credit card details are stored on the Frog Cables website.
Is My Info Secure
All communication from your browser to Paynow is encrypted and user login data is stored in an industry standard secure manner. Paynow does not store your Vpayments password, Visa / Mastercard card details or EcoCash pin number a third party would need to gain access to this information from another source in order to make a payment without your knowledge. You will also be notified of all actions on Paynow to your registered or guest email address. Paynow has the facility to block future transactions from your account or card if suspicious transactions are detected and freeze existing suspicious transactions before payment to the merchant for further investigation.
What is BuySafe?
Paynow operates an escrow-type service called Buysafe to protect and reassure buyers. Buysafe protects the buyer by ensuring that the payers funds are only disbursed to the Merchant once the buyer is satisfied that the goods have been delivered or service has been rendered. The Merchant must make a delivery declaration to after which the buyer is afforded a 24-hour window to dispute delivery via a simple process on the Paynow website.
Where a dispute is registered by a buyer, the Merchant may elect to return the buyers funds by reversing the transaction or may challenge the buyer by providing acceptable Proof Of Delivery. If the Merchant and buyer are unable to resolve the matter directly, they may request mediation through Paynow. In complex cases, Paynow may refer the matter to an external body for independent arbitration.
Buysafe is enabled by default on all paynow sellers and may only be disabled by Verified Merchants. Verified Merchant status is reserved for sellers who have been through a stringent process to verify their identity.
Is My Money Safe? What Happens If I Do Not Get My Goods?
Depending on the merchant Paynow uses a delivery escrow service. The escrow service holds your payment in a Paynow holding account until the merchant has confirmed the goods are delivered at which point you will be notified by email and SMS (if you are a registered user). You have 24 hours to dispute the transaction if the goods are not received in good order. If a transaction has been disputed Paynow will initiate third party mediation to resolve the dispute. Please note mediation may incur costs to the customer or merchant.
If the merchant does not make use of the escrow service, or you elect to bypass it and acknowledge delivery has already happened, or the 24 hour dispute window has expired, Paynow cannot mediate any disputes and you will need to resolve the issue directly with the merchant. Please check the transaction details at the confirm payment stage as to whether the merchant is using the escrow service or not.
How Much Does It Cost?
It is up to the merchant whether they want to absorb the Paynow fees or pass it on to the customer or split the fees 50/50. Either way you are shown the final amount, including Paynow fees, on the confirm payment page. Please note that some payment methods may incur other fees outside of Paynow control. This will entirely depend on your bank or mobile operator, please confirm any extra fees with them before making payment.
Can I Rate Merchant?
Paynow allows you to rate and comment on any transaction over $20.00 that has been successfully paid. These ratings and comments are shown under the merchant’s summary to help other shoppers in making their choice of merchant. Please rate your transactions whether the experience was good or bad.
Need help?
If you’re having trouble authenticating or registering with 3D Secure, please contact your bank for assistance. For more information regarding our security measures to ensure the privacy of your information, see our Privacy Policy.