Payment Policy

Last Updated: October 2025

At [yourcpn], we are committed to providing a secure, seamless, and transparent checkout experience. This Payment Methods Policy outlines the payment options we accept, how transactions are processed, and the security measures in place to protect your financial information. This policy applies to all purchases made on our website and should be read together with our Terms & Conditions, Privacy Policy, Shipping Policy, and Return & Refund Policy.

1. Accepted Payment Options

We support a variety of trusted payment methods to meet different customer needs.

1.1 Credit & Debit Cards

We accept major international credit and debit cards, including:

  • Visa

  • Mastercard

  • American Express

  • Discover

  • JCB

  • Diners Club

All card payments are encrypted and processed through PCI-DSS–compliant payment gateways, ensuring industry-standard security.

1.2 Digital Wallets

For faster and more convenient checkout, the following digital wallets are supported:

  • Apple Pay

  • Google Pay

  • Shop Pay

  • PayPal

1.3 Buy Now, Pay Later (BNPL)

Where available, customers may use installment payment services such as:

  • Shop Pay Installments

  • Klarna

  • Afterpay / Clearpay

Approval, eligibility, fees, and repayment terms are determined solely by the BNPL provider.

1.4 Prepaid Cards & Gift Cards

  • Online-enabled prepaid cards are accepted.

  • Only gift cards issued directly by [yourcpn] may be redeemed on our website.

1.5 Unsupported Payment Methods

For security and compliance reasons, we do not accept:

  • Cash on Delivery (COD)

  • Checks or money orders

  • Direct bank transfers (unless explicitly stated)

  • Cryptocurrency

  • Third-party retailer gift cards

2. Transaction Currency

All transactions are processed in U.S. Dollars (USD). If your card is issued in another currency, your bank may apply exchange rates or international transaction fees beyond our control.

3. Payment Authorization & Verification

To prevent fraud and protect customers, all transactions may be subject to verification, including:

  • Temporary authorization holds by your bank

  • Address Verification Service (AVS) checks

  • Automated or manual fraud screening

  • Additional identity verification when required

Orders that cannot be successfully verified may be delayed or canceled for security reasons.

4. When Payment Is Collected

Payment is charged immediately at checkout. Orders are processed and shipped only after payment has been fully authorized. A confirmation email will be sent once payment is completed.

5. Declined or Failed Payments

Payments may be declined due to incorrect card details, insufficient funds, expired cards, bank restrictions, or regional limitations.

If your payment fails, please:

  • Verify your payment information

  • Try an alternative payment method

  • Contact your bank for authorization

Orders cannot be reserved or shipped until payment is successfully completed.

6. Security & Fraud Protection

We use industry-leading safeguards, including:

  • SSL encryption on all checkout pages

  • PCI-compliant payment processors

  • Tokenized payment data (full card numbers are never stored)

  • Advanced fraud detection and monitoring systems

7. Taxes & Additional Charges

Applicable taxes are calculated at checkout based on your shipping address and local regulations. We do not charge hidden fees. However, your bank may apply:

  • Currency conversion fees

  • International transaction fees

8. Refund Processing

Refunds are issued in accordance with our Return & Refund Policy and are credited only to the original payment method.

Typical refund timeline:

  • Item received: 1–2 business days

  • Inspection: 1–2 business days

  • Refund initiated: Same day after inspection

  • Bank processing: 1–2 business days

Total estimated refund time: up to 5 business days.

If a refund does not appear after 7 business days, please contact your bank first, then reach out to us.

9. Chargebacks & Payment Disputes

If you notice a billing issue, please contact us before filing a chargeback. Unnecessary or fraudulent chargebacks may result in order cancellation, account restrictions, or refusal of future service. We fully cooperate with payment processors during dispute investigations.

10. Changing Payment Information

Once an order has been placed, payment details cannot be modified. To change payment information, you must request a cancellation (if eligible) and place a new order. Please review our Cancel & Change Order Policy for details.

11. Contact Information

For questions regarding payments or billing, please contact us:

Company: [yourcpn]
Address: [yourad]
Email: support@ramzyoma.com
Support Hours: Monday – Saturday, 8:00 AM – 7:00 PM (EST)
Response Time: Within 24 hours