Payment Methods & Security

Last updated: 5 October 2026

At a glance

• HYGGO PTY LTD (ABN 26 680 569 653), trading as JoyPicks, based in Melbourne, Victoria, Australia, operates JoyPicks and is the seller of record for all products currently sold on JoyPicks.
• Accepted payment methods: Visa, Mastercard, American Express, Apple Pay, Google Pay and PayPal only.
• We do not offer buy now, pay later or instalments, and we do not accept bank transfer, cash, cheque, cryptocurrency or third-party gift cards.
• Payment is taken when you place your order.
• Refunds go back to the original payment method and usually appear within 3-10 business days after we issue them.
• Contact us at [email protected].

This page explains how payment works on JoyPicks, which payment methods we accept, when you are charged, and how we help keep payment information secure. JoyPicks is an international online fashion marketplace operated by HYGGO PTY LTD (ABN 26 680 569 653), trading as JoyPicks. Each store on JoyPicks groups the range of one of our supply partners, and orders are sent directly to the buyer by the relevant supply partner. However, your contract of sale is with HYGGO PTY LTD (ABN 26 680 569 653), trading as JoyPicks, and we handle customer service, delivery problems, returns and refunds.

For more about who we are and how to contact us, see About Us, Contact Us and our Terms of Service.

Which payment methods do you accept?

You can currently pay on JoyPicks using only these methods:

• Visa, Mastercard and American Express credit and debit cards, processed by Stripe
• Apple Pay on supported devices, via Stripe
• Google Pay on supported devices, via Stripe
• PayPal

We do not accept any other payment methods. In particular, we do not offer buy now, pay later or instalment services, including Afterpay, Zip, Klarna, Humm, Latitude, PayPal Pay in 4 or PayPal Credit. We also do not accept bank transfer, cash, cheque, cryptocurrency or third-party gift cards.

When will I be charged?

Payment is taken when you place your order. Before you confirm your purchase, you will see the total amount to be charged at checkout in your selected currency.

If your order includes items from more than one store on JoyPicks, you still pay once through a single checkout. If your order is later split into separate parcels, that does not change the amount charged at checkout.

What currencies do you charge in?

Prices on JoyPicks are shown in the buyer's local currency, EUR or USD, depending on the selection in the Ship to / currency menu in the site header. The amount charged is the amount shown at checkout in that currency.

Your card issuer, bank or payment provider may apply its own currency conversion or foreign transaction fees. These fees are outside our control and are not charged by HYGGO PTY LTD (ABN 26 680 569 653), trading as JoyPicks.

How do taxes and duties work?

Tax treatment depends on the delivery country:

• European Union, United Kingdom, Switzerland, Norway, Australia, New Zealand, Singapore, Japan, South Korea, Malaysia, United Arab Emirates, Saudi Arabia, Israel, South Africa, Brazil, Mexico and Chile
  How tax is handled: Prices include VAT, GST or the equivalent sales tax, shown at checkout.
• Canada
  How tax is handled: Prices exclude tax; GST/HST is added at checkout according to the province.
• United States and all other countries
  How tax is handled: We do not charge sales tax or VAT. Your country's customs authorities or carrier may charge import duties, taxes or handling fees on delivery, and these are the buyer's responsibility.

If a carrier asks you to pay VAT or GST again on an order where it was included in the price, contact us at [email protected] before paying.

Do you ship internationally?

Yes. We deliver to 222 countries and territories listed in the Ship to menu in the site header. We do not deliver to mainland China, Hong Kong, Macau, Taiwan, Russia, Belarus, North Korea, Iran, Syria or Cuba.

Delivery is free to every country and territory we ship to, with no minimum spend. Orders are usually dispatched within 1-5 business days and usually arrive within 7-20 business days of ordering. Remote destinations may take longer, and customs checks, public holidays and peak periods can add time. These are estimates, not guarantees. Tracking is emailed when the order is dispatched. If you order from multiple stores, your order may arrive in separate parcels.

For full delivery details, see our Shipping Policy.

How do you keep payments secure?

• We never store your full card number. Card payments are processed by Stripe, which is PCI DSS certified. We receive only limited payment information, such as card type, expiry date and the last four digits, so you can identify the card used.
• PayPal payments are handled by PayPal. When you choose PayPal, you log in directly with PayPal. We do not see your PayPal password.
• Secure connection. JoyPicks uses HTTPS encryption to protect information sent between your browser and our website.
• Fraud prevention. We and our payment providers use automated and manual checks to help detect and prevent fraud. In some cases, we may decline, hold or cancel an order before dispatch if this is necessary for security or if order details cannot be verified.
• Limited disclosure for fulfilment. Supply partners sending your order receive only the information needed to fulfil it, such as your name, delivery address, phone number and order details. They do not receive your full card number or PayPal password.

For information about how we handle personal information, international transfers and your privacy rights, see our Privacy Policy and Cookie Policy.

Should I ever pay outside the JoyPicks checkout?

No. To stay covered by Buyer Protection, always complete payment through the official JoyPicks checkout at joypicks.com. Never pay anyone connected with an order by bank transfer, gift card, cryptocurrency, cash or any method outside our checkout, even if asked to do so.

If anyone asks you to pay outside JoyPicks, report it to [email protected].

Can I cancel an order after paying?

Yes, if it has not yet been dispatched. You can cancel an order free of charge until dispatch by emailing [email protected] with your order number as soon as possible. After dispatch, an order can no longer be cancelled, but your return rights may still apply under our Returns & Refunds Policy.

If a price or product detail is obviously wrong, we may cancel the order before dispatch and refund you in full.

How do refunds work?

Refunds are sent back to your original payment method in the currency you paid. Once we issue a refund, it usually appears within 3-10 business days, depending on your bank, card issuer or PayPal.

If your order is cancelled before dispatch, you will receive a full refund to the original payment method. If you return an item under our Returns & Refunds Policy, we refund the item price within 14 days of receiving the returned item or proof of postage, as applicable. For faulty, damaged, wrong or not as described items, repair, replacement or refund is available at no cost to the buyer.

Statutory consumer rights apply in addition to our policy. Nothing in this page limits rights you may have under applicable law.

What if I have a payment problem?

My payment was declined

Please check that your card details, billing details and available funds are correct. Your bank may also block a transaction it considers unusual. If the problem continues, contact your bank or try another accepted payment method such as PayPal.

I think I was charged twice

Sometimes a bank places a temporary authorisation hold that looks like a duplicate charge and then removes it after a few days. If you still see two completed charges for the same order, email [email protected] with your order number and any relevant screenshot or statement details.

I do not recognise a charge

If you see a charge related to JoyPicks or HYGGO PTY LTD (ABN 26 680 569 653), trading as JoyPicks that you do not recognise, contact us immediately at [email protected] and also contact your bank or card issuer straight away.

How can I protect myself from scams?

We will never ask you by email, phone, SMS or chat for your password, full card number or card security code. If you receive a message claiming to be from JoyPicks that asks for this information, do not respond. Forward it to [email protected].

How can I contact you about payments?

If you have any questions about payments, billing, refunds or checkout security, contact HYGGO PTY LTD (ABN 26 680 569 653), trading as JoyPicks at [email protected]. Emails are usually answered within one business day.

You can also find more help in our Help Centre, Returns & Refunds Policy, Shipping Policy, Buyer Protection and Terms of Service.