Payment Policy

Page last updated on 29 March 2010.

1. What forms of payment does eCarruthers accept?

eCarruthers.com accepts the following forms of payment:

Credit Cards

This is the fastest form of payment. Orders will be processed immediately.
All orders paid by credit card incur a 5% processing fee.

Visa
MasterCard
American Express

Please note all new customers purchasing via a credit card will be contacted by our sales team via telephone and may be required to go through a verification process.

Important Notes
Please ensure the name on the Credit Card matches the name on the billing address. I.H Carruthers reserves the right to request payment via bank transfer (TT) for orders over $500 tala or from unverified customers.

Money/Bank Transfer
Orders paid for by Money Transfer may be delayed by 2 to 7 business days.

Western Union
Bank Transfer (TT)
Money Gram

2. When will my Credit Card be charged?

Your credit card will be charged once your credit card details have been verified and your order has been confirmed packed and ready for shipping or pickup. Some orders may require verbal confirmation before the credit card is charged.

3. Is it safe to use my Credit Card over the net?

ECarruthers uses a system developed by DPS (Payment Express) for handling credit card transactions. All orders paid via credit card will be transferred to the DPS Hosted Payments Page which employs Secure Sockets Layer (SSL) technology to encrypt and protect your credit card information.
We do not store any credit card information.

4. Where do I pay for my products/services?

During checkout you will be asked what method of payment you prefer. Depending on your selection you will be asked to input payment details. For Credit Cards you will be transferred to the DPS Hosted Payments Page from which you will enter in your credit card details. All other payment forms require you to enter in details such as your Name or Reference Info.

5. What are the reasons my credit card might be refused?
Banks and credit card companies refuse authorization of credit cards for a specific number of reasons, including:

The credit card number entered is not a valid number (often the result of a typo).
The credit card does not have enough credit balance left to pay for the order.
The expiration date of the credit card is not entered correctly (also sometimes the result of a typo).

8. How do I pay via Money Transfer or Bank Transfer

For all orders paid via Money Transfer or Bank Transfer, please use your order number as reference info from the Money Transfer Agency or Bank. Our customer support staff will get in touch with you immediately for further information regarding payment.

9. Do I have to pay VAGST ?

All items purchased for use in Samoa are subject to 15% VAGST Sales tax. You can view the amount of VAGST for each product by clicking the "more details" button for that product.