Payment Policy

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 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.
2. Vendor confirms: Your payment is captured 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 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:

GatherPlate does not charge Customers a visible service or booking fee. Platform fees and transaction (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 & Transaction Fees (Vendors)

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

• Platform fee: 8% of the Order subtotal. This is charged on the gross subtotal (before any voucher discount) — a voucher never reduces the platform fee or the Vendor's payout.
• Transaction fee (card / online payment): 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 finalised when the payment is captured (on Vendor confirmation).

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:

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 [email protected] with your Order number.

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 become eligible for payout after the 3-day window closes and are sent by bank transfer from the GatherPlate team.
• Dispute raised: Funds are held indefinitely until GatherPlate resolves the dispute. Payout is released or refunded based on the outcome.

GatherPlate processes payouts by bank transfer to the Vendor's registered Malaysian bank account. GatherPlate is not responsible for delays caused by the Vendor's bank. Some Vendors are enabled for anearly partial payout: up to 50% of their payout may be released once an Order passes its refund cutoff — the point at which the Customer is no longer eligible for a refund — with the remainder released after the event.

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 [email protected] 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: [email protected]