Payment Methods

Golden Hammer’s supported launch payment methods are M-Pesa and bank transfer only when made available through an authorised order process. This page does not claim that any payment gateway is currently enabled.

Do not treat an instruction, screenshot or payment message as confirmation that Hammer has received cleared funds. An order proceeds only after payment has been verified through Hammer’s authorised process.

Before final payment

Product availability, price, supplier, dispatch origin and delivery may need confirmation before a final payment request is issued.

M-Pesa

Use only the authorised M-Pesa instruction issued for the order. Where a manual Paybill reference is provided, use the Hammer order reference exactly as instructed. Do not send money to a personal number or unverified request.

Bank transfer

Use only the bank instruction supplied through Golden Hammer’s authorised process. A transfer instruction or receipt does not by itself confirm cleared funds.

Pending, failed or cancelled payments

A delayed confirmation may leave a payment pending. Failed or cancelled payments remain unpaid. Do not repeat a payment unless Golden Hammer confirms the next step.

Duplicate, underpaid or overpaid transactions

These require manual review against the authorised order and payment records. Contact support with the order reference and safe transaction details; do not send passwords, one-time codes or complete credentials.

Refunds and reversals

Refunds and reversals are not automatically issued. Eligibility and method depend on verification, reconciliation, the order position and the applicable policy.

Supplier settlement

Supplier payouts are not automated. Golden Hammer records supplier amounts payable, reconciles completed orders and releases settlement manually through an authorised administrator.