Payment Policy
Effective Date: February 17, 2025
At Peppiskinne, we are dedicated to providing a secure, convenient, and seamless payment experience for all our customers. This Payment Policy outlines the accepted payment methods, security measures, billing terms, and other essential conditions related to transactions on peppiskinne.com. By placing an order, you agree to the following terms.
1. Accepted Payment Methods
To ensure a smooth and hassle-free checkout process, we accept the following secure payment options:
✅ Credit & Debit Cards (Visa, MasterCard, American Express, Discover)
✅ PayPal (for eligible transactions)
✅ Digital Wallets (Apple Pay, Google Pay)
✅ Bank Transfers (available for high-value purchases upon request)
✅ Buy Now, Pay Later (BNPL) Options (if applicable)
📌 All transactions are processed in [currency]. International customers may be subject to exchange rate fees by their bank.
2. Payment Processing & Billing Terms
✔ Immediate Charges: All orders must be paid in full at checkout before they are processed for shipping.
✔ Billing Information Accuracy: Customers must ensure that their billing details are correct to prevent delays or cancellations.
✔ Fraud Prevention Measures: For security reasons, some orders may require additional verification before processing.
📌 Orders with mismatched billing and shipping addresses may require additional verification.
3. Payment Security & Fraud Protection
At Peppiskinne, we prioritize your security by implementing advanced payment protection measures:
🔒 SSL Encryption: All transactions are encrypted using 256-bit SSL encryption to safeguard sensitive data.
🔒 PCI Compliance: We adhere to the highest security standards to protect your financial information.
🔒 Fraud Detection: High-value or suspicious transactions may require identity verification before approval.
📌 Peppiskinne will never request your full credit card details via email, phone, or text. If you receive such a request, please contact us immediately.
4. Currency, Taxes & Additional Fees
A. Currency Conversion
- Payments are processed in [currency], unless otherwise stated.
- If you are making an international purchase, your bank may apply currency conversion fees or foreign transaction fees.
B. Sales Tax & VAT
- Sales tax, VAT, or import duties may be applied based on your shipping destination.
- For international orders, customers are responsible for paying any customs duties, import taxes, or local tariffs upon delivery.
📌 Check your country’s customs regulations before placing an order.
5. Order Verification & Payment Holds
✔ Security Verification: For high-value transactions, we may request additional verification, such as government-issued ID or billing confirmation.
✔ Payment Holds: If there are discrepancies with your billing information, your payment may be temporarily placed on hold until verification is completed.
📌 Failure to provide verification within [X] days may result in order cancellation and refund.
6. Refunds & Payment Reversals
If your order qualifies for a refund, the amount will be credited back to your original payment method within [X] business days after approval.
✔ Refund processing times depend on your bank or payment provider.
✔ Refunds for international orders may be subject to exchange rate fluctuations.
✔ Peppiskinne is not responsible for additional transaction fees applied by your bank.
📌 Refer to our Refund and Returns Policy for detailed refund eligibility criteria.
7. Buy Now, Pay Later (BNPL) & Financing Options
📢 Peppiskinne may offer BNPL services such as Klarna, Afterpay, or Affirm (where available).
✔ Eligibility: Subject to approval by the BNPL provider.
✔ Interest-Free Installments: Some providers offer zero-interest payment plans.
✔ Missed Payments: Late or missed payments may result in penalties imposed by the financing provider.
📌 Peppiskinne is not responsible for financing terms set by third-party BNPL providers.
8. Payment Disputes & Chargebacks
🚨 Fraudulent Chargebacks: Peppiskinne takes chargeback fraud seriously. Filing a dispute without attempting to resolve the issue with us first may result in legal action and account suspension.
🚨 Genuine Disputes: If you believe a payment was charged incorrectly, please contact info@peppiskinne.com before initiating a chargeback with your bank.
🚨 Resolution Timeframe: Most disputes are resolved within [X] business days.
📌 Unauthorized transactions should be reported to your bank immediately.
9. Cancellations & Payment Adjustments
✔ Order Cancellation Before Processing: Orders can be canceled within [X] hours of purchase for a full refund.
✔ After Order Processing: Once an order has been processed or shipped, it cannot be canceled. Customers must follow the returns process after delivery.
✔ Price Adjustments: Prices are final at the time of purchase. We do not offer retroactive price adjustments for past orders or promotions.
📌 Refer to our Sales Policy for more details on order modifications.
10. Contact Us
For payment-related inquiries or billing concerns, please contact our support team:
📍 Address: Po Box 804, Middletown, California
📞 Phone: (707) 987-2828
📧 Email: info@peppiskinne.com
🌐 Website: peppiskinne.com
🔒 Peppiskinne ensures a secure and seamless payment experience. Shop with confidence, knowing your transaction is protected.