PAYMENT POLICY
Last Updated: 7 September 2026
1. INTRODUCTION
This Payment Policy applies to purchases, quotations, deposits, balances, additional work, and refunds relating to products and services supplied under the Velar Wood brand.
Velar Wood is a brand owned and operated by Jawharat Al Furqan Carpentry LLC, located in Sajja Industrial Area, Sharjah, United Arab Emirates.
This Policy should be read together with our Terms and Conditions, Return, Refund & Cancellation Policy, Delivery & Installation Policy, Custom-Made & Made-to-Order Policy, and the approved quotation, invoice, drawing, or order confirmation.
Contact Information:
WhatsApp: +971 50 393 3791
Email: info@velarwood.com
2. CURRENCY
Unless otherwise stated, prices displayed on our website or provided in our quotations are in United Arab Emirates Dirhams (AED).
For GCC or other cross-border orders, another currency may be accepted only where confirmed in writing.
The customer may be responsible for exchange-rate differences, currency conversion costs, international transfer charges, intermediary bank fees, and receiving-bank charges.
3. AVAILABLE PAYMENT METHODS
Available payment methods may include:
a. Online card payment through an approved payment gateway;
b. Bank transfer;
c. Payment link;
d. Digital wallet or another online payment option displayed at checkout; and
e. Another payment method expressly approved by Velar Wood.
The availability of a particular payment method may depend on the order, amount, location, payment provider, and website functionality.
A payment method should not be considered available unless it is displayed at checkout or confirmed through an authorised Velar Wood payment request.
4. AUTHORISED PAYMENT DETAILS
Customers must make payment only through:
a. The official Velar Wood website checkout;
b. An official payment link issued by Velar Wood;
c. Bank account details shown on an approved quotation or invoice; or
d. Another payment method confirmed through our official contact channels.
Customers should verify any unexpected change in bank account or payment details by contacting Velar Wood through:
WhatsApp: +971 50 393 3791
Email: info@velarwood.com
Velar Wood is not responsible for payment sent to an unauthorised account because of fraud, impersonation, or instructions not issued through an official company channel, except where liability cannot legally be excluded.
5. STANDARD PAYMENT STRUCTURE
Unless otherwise stated in an approved quotation:
a. A 50% advance payment is required to confirm the order; and
b. The remaining 50% balance must be paid in full before delivery, dispatch, shipment, or installation.
An enquiry, verbal discussion, estimate, or unpaid quotation does not constitute a confirmed production order.
6. ADVANCE PAYMENT
The advance payment allows Velar Wood to:
- Reserve production capacity;
- Finalise drawings and specifications;
- Order or purchase materials;
- Begin cutting or manufacturing;
- Arrange specialist work;
- Schedule delivery or installation; and
- Make other commitments required for the order.
Production will not normally begin until the required advance payment has cleared and all required approvals have been received.
7. FINAL BALANCE
The remaining balance must be paid before the product is:
a. Released from the factory;
b. Handed to a customer-appointed carrier;
c. Dispatched;
d. Delivered;
e. Shipped outside the UAE; or
f. Installed.
Where reasonably practical, Velar Wood may provide photographs or videos showing the completed product before requesting the final balance.
Photographs or videos do not replace the customer’s right to inspect the product at delivery where applicable.
8. CLEARED FUNDS
A payment is considered received only when the full required amount has cleared into the approved bank account or payment channel.
A screenshot, payment instruction, pending transaction, post-dated transfer, unverified receipt, or bank application notification does not by itself confirm cleared payment.
Velar Wood may verify the transaction before confirming an order or releasing a product.
9. ONLINE CARD PAYMENTS
Online card payments may be processed by an authorised third-party payment gateway.
The payment gateway may perform:
- Card authorisation;
- Identity checks;
- Fraud screening;
- Security verification;
- Transaction processing; and
- Refund processing.
The payment provider’s own terms and privacy policy may also apply.
Velar Wood does not intend to store complete card numbers, card security codes, PIN codes, or online banking passwords within its own website systems.
10. PAYMENT SECURITY
Customers must never send the following through WhatsApp, email, social media, or website chat:
- Complete payment-card details;
- Card security codes;
- PIN codes;
- One-time passwords;
- Online banking usernames;
- Online banking passwords; or
- Other confidential banking credentials.
Velar Wood staff and the website AI chatbot will not ask for a customer’s PIN, online banking password, or one-time password.
If a customer receives a suspicious payment request, the customer should stop the transaction and contact Velar Wood through its official contact details.
11. PAYMENT AUTHORISATION
By submitting an online payment, the customer confirms that:
a. They are authorised to use the selected payment method;
b. The information provided is accurate;
c. The payment is connected to a genuine order or enquiry; and
d. The transaction does not violate applicable law.
Velar Wood or the payment provider may refuse, suspend, or review a transaction where fraud, unauthorised use, technical error, or another security concern is suspected.
12. PAYMENT FAILURE
A payment may fail or remain pending because of:
- Insufficient funds;
- Incorrect payment details;
- Bank restrictions;
- Card limits;
- Security checks;
- Payment-provider rejection;
- Internet interruption;
- Currency restrictions;
- Expired cards; or
- Technical problems.
A failed or pending payment does not confirm an order.
The customer should contact their bank or payment provider where appropriate. Velar Wood may provide an alternative approved payment method but cannot guarantee that a bank or payment provider will approve the transaction.
13. DUPLICATE PAYMENTS
If a customer believes that the same payment was charged more than once, they should contact Velar Wood promptly and provide:
a. Customer name;
b. Order reference;
c. Payment date;
d. Amount;
e. Transaction reference; and
f. A bank or card statement showing the duplicate charge, with unrelated confidential information removed.
A pending bank authorisation may appear temporarily without becoming a completed second payment. Confirmation may be required from the payment provider before a refund is issued.
14. BANK TRANSFERS
For bank-transfer payments:
a. The customer must use only the bank details stated on an authorised quotation, invoice, or official written communication;
b. The customer should include the order or quotation reference where possible;
c. The customer is responsible for their bank’s charges;
d. The customer must ensure that the full required amount is received; and
e. International or intermediary bank charges may be added to the amount payable if they reduce the amount received by Velar Wood.
Velar Wood may request a transfer receipt for identification but will confirm payment only after funds have cleared.
15. CASH PAYMENTS
Cash payment is accepted only where expressly approved by Velar Wood and an official receipt can be issued.
Customers should not hand cash to an installer, driver, subcontractor, or other person unless that payment has been authorised by Velar Wood.
Cash on delivery is not a standard payment option and is available only where expressly confirmed in writing.
16. PAYMENT LINKS
An official payment link may be issued for a specific customer, quotation, invoice, or order.
The customer must verify:
- The payment amount;
- Merchant or company information;
- Order reference; and
- Purpose of payment
before completing the transaction.
Payment links may expire or be limited to a particular transaction.
17. ORDER CONFIRMATION
An order is confirmed only after:
a. The required advance has cleared;
b. The quotation has been approved;
c. Required designs, dimensions, materials, colours, and specifications have been approved; and
d. Velar Wood has accepted the order.
Automatic website acknowledgement does not always mean that a custom-made order has entered production.
18. WEBSITE PRICING ERRORS
Velar Wood makes reasonable efforts to display accurate prices.
If a genuine pricing, calculation, technical, or system error is discovered before order confirmation, Velar Wood may correct the error and offer the customer the choice to proceed at the corrected price or cancel the affected request.
If payment has already been made based on a material error, Velar Wood will contact the customer and provide an appropriate option in accordance with applicable law.
Velar Wood will not change a confirmed price merely because the company later considers the agreed price commercially unfavourable.
19. ADDITIONAL WORK AND VARIATIONS
Additional payment may be required where the customer requests:
a. Design changes;
b. Increased dimensions or quantity;
c. Upgraded materials or hardware;
d. Additional accessories;
e. Repainting, rebuilding, or remanufacturing;
f. Work outside the original quotation;
g. Additional delivery or installation;
h. Special lifting or access arrangements;
i. Storage or redelivery; or
j. Other project changes.
Velar Wood will communicate the additional cost for approval before proceeding where reasonably possible.
20. CUSTOMER-SUPPLIED INCORRECT INFORMATION
Additional charges may apply where incorrect customer-supplied measurements, specifications, appliance dimensions, addresses, access details, or site information require:
- Redesign;
- Additional material;
- Modification;
- Remanufacturing;
- Additional transport;
- Storage;
- Redelivery; or
- Reinstallation.
The additional work will be explained and approved before it proceeds where reasonably possible.
21. DISCOUNTS AND PROMOTIONS
Discounts and promotions:
a. Apply only during the stated period;
b. May be limited to selected products or specifications;
c. Cannot normally be combined unless expressly stated;
d. Have no cash value;
e. May depend on full payment within a stated period; and
f. May be withdrawn before order confirmation.
A discount discussed verbally is not binding unless it is included in an approved quotation, invoice, website checkout, or authorised written confirmation.
22. INSTALMENT ARRANGEMENTS
An instalment plan or payment schedule different from the standard 50% advance and 50% before delivery applies only where expressly agreed in writing.
Approval may depend on:
- Order value;
- Production stages;
- Delivery schedule;
- Payment provider;
- Credit approval; and
- Other commercial conditions.
The AI chatbot, installer, driver, or production team cannot approve an instalment arrangement.
23. DELAYED PAYMENT
If an advance, balance, or approved additional payment is delayed, Velar Wood may:
a. Delay production;
b. Suspend work;
c. Revise the estimated completion date;
d. Postpone delivery or installation;
e. Withhold release of the product; and
f. Apply approved storage, transport, or rescheduling charges where relevant.
Velar Wood will not be responsible for a delivery delay caused by the customer’s delayed payment.
24. NON-PAYMENT OF FINAL BALANCE
Where a completed custom-made product is ready but the final balance remains unpaid, Velar Wood may retain the product until payment has cleared.
The customer may remain responsible for:
- Outstanding balance;
- Approved additional work;
- Storage;
- Handling;
- Redelivery; and
- Other reasonable costs resulting from the delay.
Ownership of the product remains with Jawharat Al Furqan Carpentry LLC until the full order amount and approved additional charges have been paid, to the extent permitted by applicable law.
25. CANCELLATION AND ADVANCE PAYMENTS
A customer may request cancellation within 24 hours after order confirmation.
Free cancellation is available only where Velar Wood has not already started production, purchased special materials, performed chargeable customised work, or incurred another non-recoverable expense.
After 24 hours or after work has started, the advance may become non-refundable to the extent that it covers costs already incurred or committed.
Full conditions are stated in our Return, Refund & Cancellation Policy and Custom-Made & Made-to-Order Policy.
26. REFUNDS
Refunds are issued only after the relevant cancellation, return, duplicate payment, incorrect charge, or defect claim has been reviewed and approved.
Submitting a refund request does not automatically mean that the refund has been approved.
Any lawful deductions will be determined according to the applicable order and our Return, Refund & Cancellation Policy.
27. REFUND METHOD
Approved refunds will normally be issued to the original payment method where reasonably possible.
Where the original method is unavailable, Velar Wood may request a verified alternative bank account or payment channel in the same customer or company name.
Card, payment-gateway, bank-transfer, or digital-wallet transactions will not normally be refunded in cash.
28. REFUND PROCESSING TIME
After a refund has been approved and all required information or returned products have been received, Velar Wood will normally initiate the refund within 7 to 14 business days.
Banks, card providers, payment gateways, digital wallets, and international transfers may require additional processing time outside Velar Wood’s control.
29. PAYMENT-PROCESSING CHARGES
Bank fees, gateway charges, international transfer costs, and currency conversion charges may be non-refundable where:
a. The charge was collected by an independent payment provider;
b. Velar Wood cannot recover it; and
c. Deduction is permitted by applicable law.
Any mandatory refund rights remain unaffected.
30. VAT STATUS
Jawharat Al Furqan Carpentry LLC’s UAE VAT registration is currently under process.
UAE VAT will not be charged until the company’s VAT registration becomes effective.
After registration becomes effective:
a. Applicable VAT will be displayed or communicated before payment;
b. The company’s valid Tax Registration Number will be shown where legally required; and
c. Appropriate tax documentation will be issued in accordance with applicable UAE requirements.
The website and this Policy must be updated when VAT registration becomes effective.
31. INVOICES AND RECEIPTS
Velar Wood may issue quotations, payment receipts, commercial invoices, tax invoices after VAT registration where applicable, credit notes, or other transaction records.
The customer must promptly check:
- Name or company name;
- Billing details;
- Order description;
- Amount;
- Payment status; and
- Other important invoice information.
Requests to change billing information should be submitted promptly and remain subject to legal and accounting requirements.
32. GCC AND CROSS-BORDER PAYMENTS
For GCC or cross-border orders:
a. Full cleared payment may be required before dispatch;
b. International transfer and currency conversion costs may apply;
c. The customer must ensure that Velar Wood receives the full invoiced amount;
d. Customs duty, import VAT, clearance charges, permits, storage fees, and destination-country costs may be payable separately; and
e. The customer may be responsible for taxes or charges imposed by the destination country unless expressly included in the quotation.
Velar Wood cannot guarantee the exchange rate or third-party bank charges applied to an international payment or refund.
33. PAYMENT FRAUD AND VERIFICATION
Velar Wood may request reasonable verification before accepting a high-value, unusual, disputed, or potentially fraudulent transaction.
An order or delivery may be suspended while payment authorisation is reviewed.
Velar Wood may cancel or refuse a transaction where required by law, a payment provider, a bank, or a legitimate security concern.
34. CHARGEBACKS AND PAYMENT DISPUTES
Customers should contact Velar Wood promptly if they believe that:
- An amount is incorrect;
- A duplicate payment occurred;
- An authorised refund is missing;
- A transaction is unauthorised; or
- An order has not been handled according to the approved terms.
Nothing in this Policy prevents a customer from lawfully contacting their bank, payment provider, consumer protection authority, or competent authority.
However, false chargebacks, deliberate misrepresentation, or retaining products after an improper payment reversal may result in lawful recovery action.
35. PAYMENT INFORMATION AND PRIVACY
Payment and transaction information will be handled in accordance with our Privacy Policy.
Third-party payment providers may independently process information according to their own privacy policies and legal obligations.
Customers should not send unnecessary financial information through WhatsApp, email, or chatbot.
36. PROOF OF PAYMENT
Customers should retain:
- Quotation;
- Invoice;
- Receipt;
- Bank-transfer confirmation;
- Gateway receipt;
- Order reference; and
- Relevant written approvals.
Velar Wood may request appropriate proof of payment when investigating a missing, duplicate, disputed, or unidentified transaction.
37. CUSTOMER RIGHTS
Nothing in this Policy excludes or limits any customer right, supplier obligation, or remedy that cannot legally be excluded under applicable law.
Where this Policy conflicts with a mandatory legal requirement, the mandatory requirement will apply.
38. CHANGES TO THIS POLICY
Velar Wood may update this Payment Policy to reflect changes in:
- Payment methods;
- Payment gateways;
- VAT status;
- Banking arrangements;
- Company procedures; or
- Applicable law.
The updated Policy will be published with a revised “Last Updated” date.
39. CONTACT US
For payment enquiries, contact:
Velar Wood
Owned and operated by Jawharat Al Furqan Carpentry LLC
Sajja Industrial Area, Sharjah, United Arab Emirates
WhatsApp: +971 50 393 3791
Email: info@velarwood.com