Payment Policy
Last updated: 31 May 2026
1. Overview
This Payment Policy describes how GatherPlate handles payments, refunds, 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:
- Order submitted (Awaiting Confirmation): Your payment method is authorised but no charge is taken. You may see a temporary pending authorisation on your card or e-wallet — this is not a charge, and it will be released automatically if the Order is declined or expires.
- Vendor confirms: Your payment is captured at the moment the Vendor accepts your Order. You will receive a confirmation email with your receipt.
- Vendor declines or does not respond within 24 hours: Your Order is marked Declined automatically and no charge is taken. Any pending authorisation on your payment method will be released automatically — see Refund Processing Times below for typical timeframes.
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 service or booking fee. The price you see at checkout is the full amount you pay — there are no hidden fees or processing charges added to your total.
6. Refunds
Refunds are processed in accordance with our Booking Policy. The refund schedule based on cancellation timing is:
| Scenario | Refund Amount |
|---|---|
| Vendor did not confirm (auto-expired after 24 hours) | No charge made — payment was never processed |
| Vendor declined the Order | No charge made — payment was never processed |
| Customer cancels on/before the refund deadline (23:59 MYT, 7 days before the event date) | 100% of amount charged |
| Customer cancels after the refund deadline | No refund |
| Vendor cancels a confirmed Order | 100% of amount charged to Customer |
| GatherPlate cancels the Order | 100% of amount charged to Customer |
| Dispute resolved in Customer's favour | Partial or full refund as determined |
Refund Processing Times
Once your Order is cancelled or declined, the time for funds to appear in your account depends on your payment method:
- Credit / debit card: 5–14 business days
- FPX (online banking): 5–10 business days
- e-Wallets (TnG, GrabPay, Boost): 3–15 business days
These timelines are estimates and may be affected by your bank, card issuer, or e-wallet provider, and by public holidays or bank holidays. If you have not received your refund within the timeline above, contact support@gatherplate.com with your Order number.
7. 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.
8. 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.
9. Contact Us
For questions about this Payment Policy or to query a transaction, please contact: support@gatherplate.com