Payment Policy

Last updated: 19 April 2026

1. Overview

This Payment Policy describes how GatherPlate handles payments, refunds, platform fees, vendor payouts, and disputes. It applies to all Customers and Vendors transacting on the Platform.

This Policy forms part of our Terms & Conditions. Capitalised terms used but not defined here have the meanings given in the Terms & Conditions.

2. Currency & Taxes

All prices on GatherPlate are displayed in Malaysian Ringgit (MYR). Prices shown on Vendor listings are inclusive of applicable taxes unless otherwise stated.

3. Accepted Payment Methods

GatherPlate processes payments via Curlec (a Razorpay company), a licensed payment gateway. The following payment methods are accepted:

  • Online banking via FPX (all major Malaysian banks)
  • Credit and debit cards (Visa, Mastercard)
  • Touch ‘n Go eWallet
  • GrabPay
  • Boost

Available payment methods may vary based on your bank or e-wallet provider. GatherPlate does not store your raw card details — all payment data is handled and tokenised by Curlec in accordance with PCI DSS standards.

4. When You Are Charged

GatherPlate does not charge you at the time you submit an Order. Payment is only processed once a Vendor confirms your Order:

  1. Order submitted (Awaiting Confirmation): Your Order is sent to the Vendor. No payment is taken. You will not see any charge or pending transaction on your payment method at this stage.
  2. Vendor confirms: Your payment is authorised and processed at the moment the Vendor accepts your Order. You will receive a confirmation email with your receipt.
  3. Vendor declines or does not respond within 60 hours: Your Order is cancelled automatically and no payment is taken.

You will never be charged for an Order that a Vendor has not accepted.

5. What Customers Pay

The amount charged to a Customer is:

Amount charged = Subtotal − Voucher discount

(+ Delivery fee, if applicable)

GatherPlate does not charge Customers a visible service or booking fee. Platform fees and payment processing fees are absorbed by the Vendor and are already factored into the listed prices.

Voucher discounts are absorbed by GatherPlate and do not reduce the Vendor's payout.

6. Platform & Processing Fees (Vendors)

For each confirmed Order, GatherPlate deducts the following from the Vendor's gross payout:

  • Platform fee: 8% of the net Order subtotal (after voucher discounts).
  • Payment processing fee: Charged at cost by Curlec — approximately 1.5% for FPX transactions and 2.4% for card transactions. The exact fee depends on the Customer's payment method and is confirmed at time of checkout.

Vendor payout = Subtotal − Platform fee (8%) − Processing fee

Example: For an Order subtotal of RM 5,000 paid via FPX, the Vendor receives approximately RM 5,000 − RM 400 (8%) − RM 75 (1.5%) = RM 4,525.

7. Refunds

Refunds are processed in accordance with our Booking Policy. The refund schedule based on cancellation timing is:

ScenarioRefund Amount
Vendor did not confirm (auto-expired after 60 hours)No charge made — payment was never processed
Vendor declined the OrderNo charge made — payment was never processed
Customer cancels 7+ days before event100% of amount charged
Customer cancels 3–6 days before event50% of amount charged
Customer cancels less than 3 days before eventNo refund
Vendor cancels a confirmed Order100% of amount charged to Customer
GatherPlate cancels the Order100% of amount charged to Customer
Dispute resolved in Customer's favourPartial or full refund as determined

Refund Processing Times

Once a refund is initiated by GatherPlate, the time for funds to appear in your account depends on your payment method:

  • FPX (online banking): 5–10 business days
  • Credit / debit card: 7–14 business days (subject to your card issuer)
  • e-Wallets (TnG, GrabPay, Boost): 3–7 business days

These timelines are estimates and may be affected by your bank or e-wallet provider. GatherPlate initiates all eligible refunds within 2 business days of a cancellation or dispute resolution.

8. Vendor Payouts

Vendor payouts are subject to a 3-day dispute window from the scheduled event date. This window exists to protect Customers from service failures before funds are disbursed.

  • No dispute raised: Funds are automatically released to the Vendor's registered bank account after the 3-day window closes.
  • Dispute raised: Funds are held indefinitely until GatherPlate resolves the dispute. Payout is released or refunded based on the outcome.

GatherPlate processes payouts through Curlec Route transfers. Vendors must have a registered and verified Malaysian bank account linked to their GatherPlate Vendor account to receive payouts. GatherPlate is not responsible for delays caused by the Vendor's bank.

9. Payment Disputes & Chargebacks

If you have a payment-related concern — such as being charged an incorrect amount or not receiving a confirmed refund — please contact us at support@gatherplate.com before initiating a chargeback with your bank.

Initiating a chargeback without first contacting GatherPlate may result in the suspension of your account while the matter is investigated. GatherPlate will respond to all payment disputes within 3 business days.

10. Fraud Prevention

GatherPlate and Curlec employ automated fraud detection tools. We reserve the right to:

  • Place additional verification holds on suspicious transactions
  • Cancel Orders that are flagged as potentially fraudulent
  • Report suspected fraud to relevant authorities

If your Order is cancelled due to a fraud flag in error, please contact us immediately and we will work with you to resolve the issue.

11. Contact Us

For questions about this Payment Policy or to query a transaction, please contact: support@gatherplate.com

Payment Policy | GatherPlate