Payment Policy

Last updated: 9 September 2026

Welcome to Baruru.com. This page explains how payments are processed on our website, what security measures protect your data, and which payment methods we accept. By placing an order on Baruru.com you agree to this Payment Policy as well as our Terms of Service and Privacy Policy.

1. Secure Checkout (TLS/SSL)

Our checkout uses industry standard TLS (SSL) encryption to keep your information private while it travels to us. Sensitive data, such as passwords and card details, is transmitted over encrypted connections so it cannot be intercepted by unauthorised parties. You can look for the padlock icon in your browser address bar to confirm a secure session.

2. PCI DSS Compliance

Payments on Baruru.com are processed by PCI DSS compliant payment service providers. PCI DSS (Payment Card Industry Data Security Standard) is a set of security standards designed to protect cardholder data and reduce payment fraud. Our ecommerce platform and payment gateways apply the technical and organisational measures required by PCI DSS.

3. Accepted Payment Methods

For your convenience we currently accept the following payment methods (availability may vary by order or location):

  • Mastercard
  • Visa
  • Apple Pay
  • Google Pay

4. Your Payment Information

Your full card number is never accessible to us. Baruru.com does not store your full primary account number (PAN). Our payment processors provide us only with limited information, such as the card brand and the last four digits, to help us identify your transaction.

We do store essential billing metadata (for example billing address, transaction ID and order details) so that we can fulfil your order, assist you with support and meet our legal and accounting obligations.

Additional safeguards such as 3D Secure (3DS2), Address Verification Service (AVS) and CVV checks may be applied by our payment providers to help verify your identity and reduce fraud.

5. Authorisation, Verification and Fraud Prevention

  • All transactions are subject to authorisation by your card issuer or wallet provider.
  • We may carry out order verification (for example confirming your billing and shipping details) before dispatch. If we are unable to verify an order we may place it on hold, or cancel it and issue a refund.
  • Suspicious or high risk orders may be declined at our discretion to protect our customers and our store.

6. Prices, Currency and Taxes

Prices are displayed in Australian dollars (AUD) and include GST where applicable. The total amount payable, including any shipping charges, is shown before you confirm your payment. Please see our Shipping Policy for more information on delivery costs.

If your account is held in a different currency, your bank or payment provider may apply exchange rates, fees or holds. Please contact your provider for details.

7. Billing Descriptor

Your card or bank statement may show a descriptor such as "BARURU" or "BARURU.COM" for your purchase. If you do not recognise a charge, or you are unsure about it, please contact us first. Most questions can be resolved quickly.

8. Refunds and Chargebacks

Refunds are issued to your original payment method once approved. After we release a refund, your bank or payment provider may need additional time (typically 1-7 business days, Monday to Friday) to post the funds to your account. For our full return and refund process, including timelines and eligibility, please see our Returns and Refund Policy.

If you are considering a chargeback, please contact us first at support@baruru.com so we can investigate and help resolve the issue directly. This is almost always faster than a formal dispute.

9. Privacy and Data Protection

We respect your privacy and only process the personal information necessary to complete your order, provide support and meet our legal obligations.

10. Contact Information

Store name: Baruru.com

Company name: Ophir Commerce Systems Limited

Company address: Unit 2A, 17/F Glenealy Tower, No. 1 Glenealy, Central, Hong Kong

Company number: 79477404

Phone:+61 3 9088 0326

Email:support@baruru.com

Monday to Friday | 9:00 AM to 6:00 PM (Melbourne time)

We aim to respond to your enquiries within 24 hours.