Payment Policy


At JATOE our merchant is PayPal.


PayPal is the safest, easiest and quickest way to make a payment for your purchase.

What happens if I don't have a PayPal account?

You still use the PayPal page. On that page there is a place where you can use your debit or credit card for payment.

What about my credit/debit details?

JATOE has no access to your credit card or debit card. It is another reason why we use PayPal. It means none of that information is kept on our website and you maintain your privacy.

What credit/debit cards can I use?

At JATOE we only accept Master Card or Visa Card. We do not accept any other credit/debit card


Zip Pay logo for Ease of Payment

We have zipPay and this will help customers easily pay for their orders. zipPay is so convenient and you can break your order down into easy to repay increments!


 We have After Pay for those who prefer to use it instead of zipPay. Again, After Pay is convenient and you can break down your order into easy to repay increments.


Direct Deposit

To be honest, this is a payment option we don't like to use, but we understand that some people prefer it. We have been experiencing problems with people turning it into a form of Lay By and we categorically state in our Payment Policy we do not do Lay Bys. We were nearly at the stage of removing this option altogether. Isn't it amazing how a few people can make it so difficult for everyone else?

The next problems we encounter is when a customer does not put in the correct reference ID. It makes things difficult.

What is the Reference ID?

When you are doing the Direct Deposit you should write your NAME as the Reference ID. It makes it so much easier for us to process.

When do I get my purchases?

We do not send out your purchases until your Direct Deposit is in our bank account. Once we have received the funds we send out your purchases.

How long does it take for my Direct Deposit to be received?

Usually, it takes between 3-5 working days. Some banks are quicker and some are slower. JATOE cannot speed up the process.

What are your banking details?

Account Name: Just a Touch of Everything

BSB number : 034-070 (this must be 6 numbers long)

Account Number: 477416

We are sorry but we do not offer lay by. We found with our previous website that many people did not follow the Terms and Conditions of the Lay By.

If you need to pay by increments, please use zipPay. It is so much easier on you and on us!

Thank you!

Love you, mean it!