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Please Note We do not
accept credit card payments anymore from 01 March 2011
please pay EFT or cheque
Shopping on HomeGarden.co.za with your credit card
is 100% Safe!
Shopping with us is secure
and safe and is exactly the same as shopping with your
credit card in a shopping centre, paying for meal when
you eat out or doing your monthly groceries. Our credit
card payment facility works the same way a speed-point
does and all funds are transferred by the bank and not
HomeGarden.co.za
All credit card
transactions are encrypted using 128 bit Secure Socket
Layer (SSL) encryption. This means that all details you
enter on HomeGarden.co.za are encrypted as a secret code
before these details are sent between HomeGarden.co.za
and the bank. Our registration documents and domain are
verified by COMODO, giving all parties concerned
protection against identity theft in pursuit of
confidential information. All security measures
implemented on HomeGarden.co.za by Net Cash comply with
leading standards and Net Cash is continually reviewing
and adjusting our security profile to keep aligned with
these standards. Net Cash provides safe secure credit
card transactions.
MasterCard® Secure Code™ is a new service from MasterCard
and your card issuer that provides added protection when
you buy online. There is no need to get a new MasterCard
or Maestro® card. You choose your own personal MasterCard
Secure Code and it is never shared with any merchant. A
private code means added protection against unauthorized
use of your credit or debit card when you shop online.
Every time you pay online with your MasterCard or Maestro
card, a box pops up from your card issuer asking you for
your personal Secure Code, just like the bank does at the
ATM. In seconds, your card issuer confirms it's you and
allows your purchase to be completed.
Verified by Visa is free to Visa cardholders and was
developed to help prevent unauthorized use of Visa cards
online. Verified by Visa protects Visa cards with personal
passwords, giving cardholders reassurance that only they
can use their Visa cards online. Once your card is
activated, your card number will be recognized whenever
it's used at participating online stores. A Verified by
Visa window will automatically appear and your Visa card
issuer will ask for your password. You'll enter your
password to verify your identity and complete your
purchase. At stores that aren't participating in Verified
by Visa yet, your Visa card will continue to work as
usual.
Reservation & Verification Services
HomeGarden.co.za are able to accept credit cards through a
secured Payment Gateway solution provided by Net cash.
Net cash is a secure, reliable, easy to use and cost
effective Standard Bank verified credit card processing
facility.
In order to reduce our risk, we do a verification check on
every Credit Card customer - this allows us to make the
transaction with little chance of fraud. This also
protects you, the credit card holder, as we ensure that
you do not have a criminal using your credit card on our
site.
Once the credit card details have been captured via our
secure site the transaction must be authorised by the
bank. If the card is valid and the customer has sufficient
funds available, the bank will reserve the funds and
return an "authorisation code". This happens instantly
before the order is completed. This code is an assurance
to us that the bank will reserve the stipulated amount of
money on your account for a period of time. (approximately
two weeks). The funds are not deducted from your account,
only reserved. The funds are only removed and paid to us
once order produce and availability are confirmed. This is
an added feature to ensure that you, our customers will
not be charged in any way in the event of stock not being
available.
These features will incur an additional charge of R100 of
your order total. We apologise for any inconvenience that
this may cause.
We try to keep our pricing as low as possible, and tend to
stay away from anything that would result in us having to
increase our prices. We are confident that you will agree
that our prices are highly competitive despite these added
costs, while still giving you the option of a verified and
secure credit card transaction.
In a concerted effort to
curb fraudulent activity on credit cards and to further
protect our customers from the risk of credit card fraud,
HomeGarden.co.za has implemented 3D Secure technology on
our online credit card payment facility on
www.HomeGarden.co.za
3D Secure is the latest technical standard developed by
Visa and MasterCard designed to combat online credit card
fraud. In order for our customers to benefit from 3D
secure, all credit card paying customers will need to
register for 3D Secure with their respective banks. Once
registered, card holders will have to use their password
or pin code to validate their identity whenever they are
making a purchase at participating online sites.
Currently, when making a credit card payment on
HomeGarden.co.za, registering for 3D secure is an optional
facility, however you will automatically be redirected to
your bank's 3D Secure registration web page.
Go ahead and register
for 3D security with your bank and enjoy complete peace of
mind when using your credit card online.
 More
About Credit Card 3D Secure |
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