Payment Policy
How you can pay, in what currency, and how your details are protected.
This policy explains the payment methods AA Polo Equipment accepts, when payment is taken, and how your payment information is handled.
How You Can Pay
All online payments are processed by Paystack, a licensed Nigerian payment processor. Through Paystack you can pay by:
- Debit and credit card — Verve, Mastercard and Visa
- Bank transfer to a one-time account generated for your order
- USSD from your mobile phone
- Any other method Paystack offers at checkout
You can also complete an order over WhatsApp. Send your basket through from the cart, agree the order with us in the chat, and we will send you a secure payment link or our account details for a transfer.
Currency and Pricing
All prices are shown in Nigerian Naira (₦) and include any applicable taxes unless a product page says otherwise. Delivery is charged separately and shown in full at checkout before you pay.
We review prices regularly and they can change without notice, but the price you see at the moment you place your order is the price you pay for that order.
If your card is issued outside Nigeria, your bank may apply its own conversion rate and a foreign transaction fee. Those charges come from your bank and are not set by or paid to us.
When Payment Is Taken
Payment is taken in full at the time you place your order. We do not dispatch goods before payment has cleared.
Your order is a request to buy. The contract between us is formed when we confirm dispatch, not when payment is taken. If we cannot fulfil the order we will refund you in full under our Refund Policy.
Custom and made-to-order items, including team kit, may require a deposit before production begins, with the balance due before dispatch. We will confirm the terms with you in writing before any work starts.
Card Security
We never see, handle or store your card details. Card data is entered directly into Paystack's PCI-DSS compliant systems and is encrypted in transit. AA Polo Equipment receives only a confirmation that a payment succeeded, along with the last four digits and card type for reconciliation.
Our site uses HTTPS throughout. Before entering payment details anywhere, check that the address bar shows aapolo.ng and a padlock.
We will never ask you for your full card number, your PIN, your CVV or a bank one-time password by phone, email, WhatsApp or social media. If anyone contacts you claiming to be from AA Polo and asks for these, do not give them out — end the conversation and call us on the number below.
Failed and Declined Payments
If a payment is declined, the most common causes are an incorrect card detail, an expired card, insufficient funds, or your bank's limit on online or international transactions. Check with your bank first, then try again or use a different method.
Where a payment fails but funds have left your account, this is usually a temporary authorisation hold that your bank releases within 5 to 10 working days. If it has not cleared after that, send us the transaction reference and we will raise it with Paystack.
Orders with no successful payment are not processed and are cancelled automatically.
Fraud Prevention
We may hold, verify or cancel an order where a payment is flagged as high risk, where billing and delivery details do not match, or where we have reasonable grounds to suspect fraud. We may ask for proof of identity or proof that the payment method belongs to you before releasing the order.
This protects genuine cardholders. If your order is held, we will contact you quickly and refund it in full if it cannot be verified.
Receipts and Invoices
An order confirmation is emailed to you as soon as payment succeeds, and an invoice is available in your account under My Orders. If you need an invoice made out to a club, team or company, tell us at the time of ordering and we will issue it accordingly.
Chargebacks
If something is wrong with your order, please contact us first — we can almost always resolve it faster than a chargeback, which can take your bank several weeks. Where a chargeback is raised without contacting us, we will provide our payment provider with the order, delivery and communication records for that order.
Contact Us
AA Polo Equipment
Guards Polo Club, AMAC, Abuja, Federal Capital Territory, Nigeria
Email: hello@aapolo.ng
Phone: +234 809 922 2747
WhatsApp: +234 803 539 0105
Last updated: 13 September 2026