PAYMENT POLICY

1. Accepted Payment Methods

We offer the following payment methods for your convenience:

• Online Payments (via Stripe): Visa, Mastercard, American Express, Apple Pay, Google Pay
• Tabby (Buy Now, Pay Later): Split your payment into 4 interest-free instalments. Available for orders shipping to the UAE and Saudi Arabia.
• Tamara (Buy Now, Pay Later): Sharia-compliant split payments with no late fees. Available for orders shipping to Saudi Arabia, UAE, Bahrain, Kuwait, and Oman.
• Cash on Delivery (COD): Available for UAE orders only. A COD fee of AED 10 per order applies.
• Bank Transfer: Available for all orders. Bank account details are available on our website and are also provided upon order confirmation.

2. Currency & Pricing

• Prices can be displayed in multiple currencies based on your selected region, including AED, USD, SAR, KWD, BHD, OMR, and QAR
• All payments via Stripe or bank transfer are processed in AED or USD only
• Tabby payments are processed in AED (UAE) or SAR (Saudi Arabia); Tamara payments are processed in the local currency of the shipping country (SAR, AED, BHD, KWD, or OMR)
• Prices do not currently include VAT; VAT will be applied once we are VAT registered
• Prices are subject to change without prior notice; the price confirmed at the time of order placement is the binding price
• In the event of a pricing error, we reserve the right to cancel the order and issue a full refund

3. Online Payment Processing (Stripe)

• Payment is authorized at the time of order placement
• All transactions are processed through Stripe's PCI-DSS compliant platform
• Secured with SSL/TLS encryption
• We do not store complete credit card information on our servers
• 3D Secure authentication may be required by your bank

4. Buy Now, Pay Later (Tabby & Tamara)

We partner with Tabby and Tamara to offer Buy Now, Pay Later (BNPL) options at checkout:

• Tabby: Split your purchase into 4 interest-free instalments. Available for orders shipping to the UAE (processed in AED) and Saudi Arabia (processed in SAR).
• Tamara: Sharia-compliant split payments with no late fees. Available for orders shipping to Saudi Arabia, UAE, Bahrain, Kuwait, and Oman, processed in the local currency of the shipping country.

• BNPL approval is determined solely by Tabby or Tamara based on their own eligibility checks; we cannot influence or override their decision
• Your instalment plan is an agreement between you and the BNPL provider and is subject to their terms of service and privacy policy
• Available instalment options and spending limits are set by the provider and may vary by customer and order value
• We receive the full order amount from the provider; you repay the provider directly in instalments
• If your BNPL application is declined, you can complete your order using any other accepted payment method

5. Cash on Delivery (COD)

• Available for UAE deliveries only
• A COD fee of AED 10 per order applies
• Our team will contact you via phone or WhatsApp within 2–4 hours of order placement to verify your order details and delivery address
• Failure to respond to verification within 24 hours may result in automatic order cancellation
• Payment must be made in cash (UAE Dirhams) only at the time of delivery
• No cards, cheques, foreign currency, or digital payments are accepted at the door
• Please prepare the exact amount if possible; the courier may have limited change

6. Bank Transfer Payments

We accept bank transfers in AED and USD. Bank account details are available on our website and are provided again upon order confirmation. You may complete the transfer before or after placing your order.

• Bank Address: Etihad Airways Centre 5th Floor, Abu Dhabi, UAE

• Including your order number as a payment reference is helpful but not required
• Payment must be received within 3–5 working days of order placement, after which the order may be cancelled
• You can upload your transfer receipt from the My Orders section of your profile
• Any bank transfer fees charged by your bank are the customer's responsibility

7. Payment for Custom-Built PCs

All payment methods are accepted for custom-built PC orders — card, Tabby, Tamara, bank transfer, and Cash on Delivery.

• For prepaid payments (card, Tabby, Tamara, or bank transfer): payment is collected before assembly begins
• For COD orders: payment is collected in cash upon delivery after the PC has been built, tested, and is ready
• For prepaid orders (card, BNPL, or bank transfer), cancellation is only possible before assembly has started. Once assembly begins, the order cannot be cancelled
• COD custom-built orders may be cancelled at any time before delivery with no charge

For full details on cancellation eligibility and procedures, please refer to our Cancellation Policy.

8. Failed & Declined Payments

• Common reasons for payment failure include insufficient funds, incorrect card details, bank security restrictions, or expired cards
• If your payment fails, your order will not be processed and you will be notified to retry
• Orders with unresolved payment issues will be automatically cancelled after 48 hours
• For card-related declines, please contact your issuing bank directly
• Tabby and Tamara approval decisions are made by the provider; if your BNPL application is declined, you can retry with another payment method

9. Refund Processing

• Card payments (Stripe): Refunded to the original payment method. Stripe's non-recoverable processing fees may be deducted from the refund amount.
• Tabby & Tamara payments: Refunds are processed through the BNPL provider. Instalments you have already paid are returned to you by Tabby or Tamara, and any remaining instalments are cancelled or adjusted according to the provider's refund process and timelines.
• Bank transfer payments: Refunded to the originating bank account within 3–7 business days.
• COD orders: Refunded via bank transfer (customer provides account details) or as store credit.
• Processing time: Refunds are typically processed within 7–14 business days after the returned item has been received and inspected.

Original shipping charges are non-refundable unless the product is defective or we shipped the wrong item.

Store credit may be offered as an alternative on a case-by-case basis.

10. Store Credit

• Issued on a case-by-case basis, typically as an alternative to a monetary refund
• Delivered as a unique code applicable at checkout
• Non-transferable and cannot be exchanged for cash
• May carry an expiry date, which will be communicated at the time of issuance

11. Promotional Codes & Discounts

• Only one promotional code may be applied per order unless explicitly stated otherwise
• Codes cannot be combined with other offers unless specifically permitted
• Promotional codes may have expiry dates and minimum order requirements
• We reserve the right to cancel orders using fraudulently obtained or unauthorized codes

12. Payment Disputes & Chargebacks

• If you believe a charge is incorrect, please contact us first before filing a dispute with your bank
• We will work to resolve payment issues amicably within 5 business days
• Filing a chargeback without first contacting us may delay resolution
• Fraudulent or unjustified chargebacks may result in account suspension
• We reserve the right to provide transaction evidence to the payment processor

13. Invoices & Receipts

• A digital invoice/receipt is sent via email upon successful order placement
• A detailed invoice is available upon request
• Please keep your invoice — it is required for warranty claims, returns, and exchanges

14. Fraud Prevention & Security

• We reserve the right to verify your identity for any transaction
• High-value orders may require additional verification before processing
• We may cancel orders that appear suspicious or fraudulent
• We comply with UAE anti-fraud and e-commerce regulations

15. Contact Us

For payment-related enquiries, refund requests, or disputes:

• Email: hello@gccgamingpc.com
• Phone / WhatsApp: +971 54 214 2506
• Working Hours:
• Mon – Thu & Sat – Sun: 10:00 AM – 10:00 PM (GMT+4)
• Friday: 10:00 AM – 12:30 PM & 2:00 PM – 10:00 PM (GMT+4)