Wellcome to GOAT shopping Online
This document defines the rules, terms, and available methods for processing payments and financial transactions on the goat.ge online shop. By placing an order and initiating a payment on this Website, you agree to the conditions outlined below.
To provide a flexible shopping experience, the Company supports the following electronic payment methods at checkout:
Online Card Payment: Direct and secure payment using Visa or MasterCard.
Online Bank Installments: Instant digital financing provided by authorized Georgian banking institutions (including TBC Bank, Bank of Georgia (BOG), and Credo Bank).
BNPL (Buy Now Pay Later) Services: Interest-free split payment solutions, including TBC "ReCon", BOG "Next", and Top|Card by Re|Bank, allowing customers to divide the purchase cost into installments.
Important Territorial Restriction: The products and services presented on the Website can be purchased exclusively using bank cards issued by licensed banking institutions of Georgia. The payment gateway automated systems will reject international bank cards issued outside the territory of Georgia.
National Currency: In strict compliance with the legislation of Georgia, all financial transactions, checkouts, and installment applications are processed exclusively in Georgian Lari (GEL).
Tax Inclusion: The transaction amount debited from the customer's card or financed through an installment plan represents the final price of the goods, including Value Added Tax (VAT) and all applicable state taxes.
Gateway Redirect: The Company does not collect, process, or store your credit/debit card numbers, CVV codes, or banking credentials. All card payments are processed directly via secure, encrypted Redirect Gateways hosted by partner banks of Georgia (TBC Bank / Bank of Georgia).
Security Protocols: All online transactions are protected using international e-commerce security standards, including 3D Secure (Verified by Visa and MasterCard Identity Check). The customer is responsible for completing the dynamic SMS/application authentication required by their issuing bank.
Application Processing: When selecting an Online Installment at checkout, the customer will be automatically redirected to the secure portal of the chosen bank to fill out a credit application.
Order Confirmation Timeline: An order financed via an installment plan is considered valid and processed for dispatch only after the Company receives an official digital confirmation from the respective bank stating that the loan has been approved and finalized.
Installment Cancellation: If the bank rejects the installment application or the user fails to complete it within the session timeout limit, the order on the Website will be automatically canceled, and the items will be returned to stock.
Reversal Method: In the event of a valid order cancellation or a approved product return (subject to the Return Terms for Products Purchased Online), the refund will be credited strictly back to the identical card or bank account used for the initial purchase. Cash refunds for online payments are strictly prohibited.
Installment Refunds: If an order funded via a bank installment plan or BNPL service is canceled, the Company will notify the respective bank to reverse the transaction. The dissolution or adjustment of the underlying loan agreement remains a matter between the customer and the financing bank, according to the bank's internal regulations.
