Payment Policy

AMOUNT DUE
Successful bidders are responsible for the hammer price, applicable 20% Buyer’s Premium, sales tax, platform or payment-processing fees, and any other authorized charges associated with the transaction.
Your auction purchase invoice is separate from any later shipping or delivery charges.
If you select Oliver’s Auction in-house shipping, your auction invoice must be paid in full before your property can be processed for shipment.
 

PAYMENT METHODS & AUTOMATIC PAYMENTS
Available payment methods and processing procedures vary depending upon the bidding platform used.
An authorized payment method on file may be automatically processed according to the policies and settings of the applicable bidding platform.
Buyers are responsible for reviewing the payment requirements presented through the platform used to place their bids.
A declined or failed payment does not cancel the transaction or relieve the buyer of the obligation to pay.
 

This is important enough to have its own heading.

PAYING CASH AT PICKUP
When cash payment is permitted through the applicable bidding platform, buyers intending to pay cash at pickup must notify Oliver’s Auction by TEXT MESSAGE at (864) 559-3891 no later than midnight on the date the auction closes.
Your text must include:
• Your full name
• Your bidder number
• A statement that you intend to PAY CASH AT PICKUP
Messages sent through a bidding platform, email, social media, another telephone number, or directly to an employee do not satisfy this requirement unless expressly acknowledged and approved by Oliver’s Auction.
Failure to provide timely notice may result in the authorized payment method on file being processed according to the applicable platform’s payment procedures.
 

HIGH-VALUE PURCHASES & PAYMENT VERIFICATION
Oliver’s Auction reserves the right to require wire transfer, certified funds, government-issued identification, address confirmation, payment verification, or another secure payment method for high-value purchases, transactions presenting elevated fraud risk, or other circumstances in which additional verification is reasonably necessary.
Property may be withheld from pickup, shipment, or delivery until payment has cleared and any requested verification has been completed.
Prior approval of a payment method does not guarantee approval for a future transaction.
 

UNPAID & FAILED PAYMENTS
A declined, expired, or failed payment does not cancel the purchase or extend the buyer’s obligation to pay.
Buyers experiencing a payment problem should contact Oliver’s Auction promptly.
Unresolved unpaid invoices may result in cancellation of the sale, loss of rights to the property, resale or other lawful disposition of the property, collection action, reporting of nonpayment to the applicable bidding platform, and suspension or permanent loss of bidding privileges.
 

I'd include this here rather than making customers hunt for it elsewhere.

SALES TAX & TAX EXEMPTION
Applicable sales tax is collected as required by law and according to the procedures of the applicable bidding platform or payment processor.
Tax-exempt buyers are responsible for providing valid resale or exemption documentation according to applicable requirements before payment.
Submission of exemption documentation after an invoice has been paid does not guarantee that previously collected sales tax can be removed or refunded.
 

PAYMENT DISPUTES & CHARGEBACKS
If you believe there is an error on your invoice or payment, please contact Oliver’s Auction promptly so we have an opportunity to investigate and resolve the issue.
A buyer shall not knowingly initiate a false, fraudulent, or improper chargeback or payment reversal concerning a valid charge.
Buyer’s remorse, accidental bidding, failure to inspect property, disagreement with disclosed condition, failure to retrieve property, failure to monitor communications, or disagreement with properly disclosed Buyer’s Premium, shipping, handling, storage, or payment-processing charges does not by itself constitute a contractual basis for reversing an otherwise valid charge.