Payment Policy

Effective Date: July 22, 2026

1. Introduction

This Payment Policy explains the payment methods, payment processing procedures, and payment-related terms applicable to purchases made on PacersHub Stores, operated by PacersHub Business Solutions (RC: 3788878).

By placing an order on our website, you agree to the terms of this Payment Policy.

2. Accepted Payment Methods

We currently accept the following payment methods:

  • Debit Cards (Visa, Mastercard, Verve)
  • Credit Cards (where applicable)
  • Bank Transfer
  • Secure Online Payments via Paystack

Additional payment methods may be introduced in the future and will be displayed during checkout.

3. Currency

All prices displayed on our website are in Nigerian Naira (₦).

Payments must be made in Nigerian Naira unless otherwise stated.

4. Payment Confirmation

Orders are processed only after successful payment confirmation.

For Bank Transfer payments, customers should ensure the correct payment reference is used to avoid delays.

Payment confirmation times may vary depending on the payment provider or financial institution.

5. Pricing

We strive to ensure all prices displayed on our website are accurate.

However, we reserve the right to correct pricing errors before processing an order.

If an error affects your order, you will be notified and offered the option to:

  • Proceed with the corrected price, or
  • Cancel the order and receive a full refund.

6. Failed or Declined Payments

Payments may fail for reasons including but not limited to:

  • Insufficient funds
  • Incorrect card details
  • Expired cards
  • Bank restrictions
  • Technical issues with payment providers

PacersHub Stores is not responsible for declined transactions resulting from your bank or payment provider.

7. Payment Security

We use trusted payment providers such as Paystack to process online payments securely.

Your card details are encrypted and processed by the payment gateway.

PacersHub Stores does not store your debit or credit card information on our servers.

8. Fraud Prevention

To protect our customers and business, we reserve the right to:

  • Verify customer identity
  • Request additional information before processing an order
  • Cancel any order suspected of fraud or unauthorized activity
  • Report fraudulent transactions to the appropriate authorities

9. Refunds

Approved refunds are processed within 7 business days after the returned item has been received, inspected, and approved.

Refunds will be made using the original payment method where possible.

Shipping fees, delivery charges, and other non-refundable service charges will not be refunded unless required by law or due to an error on our part.

10. Payment Disputes

If you believe you have been charged incorrectly, please contact us before initiating a chargeback with your bank.

We will investigate all payment disputes promptly and work towards a fair resolution.

11. Changes to This Policy

PacersHub Stores reserves the right to update this Payment Policy at any time.

Changes will become effective immediately upon publication on our website.

12. Contact Us

For payment-related enquiries, please contact:

PacersHub Business Solutions

Trading as PacersHub Stores

Website: https://pacershubstores.com

Email: stores@pacershubstores.com.ng

Phone: +234 805 213 9018

WhatsApp: +234 805 213 9018

Office Address:

REALS PLAZA
No. 1 Junaid Dosumu Street
Alausa CBD
Ikeja
Lagos State
Nigeria