Payment Policy

Effective Date: December 26, 2024

At ChicXMist, we aim to offer a seamless and secure payment process for all our customers. This Payment Policy outlines the methods of payment we accept, the payment process, security measures, and other important information related to your payment experience with us.

By placing an order on our website, you agree to the terms outlined in this Payment Policy. Please take the time to read and understand the following information.

1. Accepted Payment Methods

We offer a variety of payment methods to ensure a convenient and secure checkout process for our customers. The following payment methods are accepted on our website:

  • Credit Cards:
    We accept the following major credit cards:

    • Visa
    • MasterCard
    • American Express
    • Discover

  • Debit Cards:
    Debit cards with a Visa or MasterCard logo are accepted.

  • PayPal:
    You can make payments securely through PayPal. Simply log into your PayPal account at checkout to complete your payment.

  • Apple Pay & Google Pay:
    We also accept payments through Apple Pay and Google Pay, for a fast and secure checkout experience on mobile devices.

  • Gift Cards and Store Credit:
    We accept gift cards and store credits issued by ChicXMist, which can be applied during checkout to reduce your total payment amount.

  • Bank Transfers:
    For large orders, bank transfers may be accepted. If you wish to use this method, please contact our customer support team for more details.

2. Currency

All transactions on ChicXMist are processed in U.S. Dollars (USD). If you are shopping from outside the United States, your payment will be converted to USD based on your bank’s exchange rate. Please be aware that your credit card or payment provider may charge additional fees for currency conversion or international transactions.

3. Payment Security

At ChicXMist, we take the security of your personal and payment information very seriously. To ensure a safe shopping experience, we employ the following security measures:

  • SSL Encryption: All data entered during the checkout process is encrypted using Secure Socket Layer (SSL) technology. This ensures that your personal information, including payment details, is securely transmitted.

  • PCI DSS Compliance: We adhere to the Payment Card Industry Data Security Standard (PCI DSS) guidelines to protect your payment information. This compliance ensures that your credit card and personal information are handled in a secure environment.

  • Fraud Prevention: To protect both you and our business from fraudulent transactions, we use advanced fraud detection tools. If any suspicious activity is detected, we may request additional verification before processing your payment.

4. Billing Information

When making a purchase, you will be required to provide your billing address, which must match the address on file with your payment provider (e.g., credit card company or PayPal). Failure to provide accurate billing information may result in an order delay or cancellation.

5. Payment Authorization

Once you have placed your order and provided your payment details, we will authorize your payment with your chosen payment provider. The payment will not be processed until we confirm that your order has been successfully received and is ready to be shipped.

  • Authorization Hold: In some cases, a temporary authorization hold may be placed on your account during the order verification process. This hold ensures that the payment method is valid, but the funds will not be deducted until the order is processed and shipped.

  • Order Processing: After payment authorization, your order will be processed, and you will receive an order confirmation email with an estimated delivery date. If there are any issues with your payment, we will notify you immediately to resolve the problem.

6. Sales Tax

Sales tax is applied to orders based on the shipping address and is in accordance with applicable state and local laws. The amount of tax will be calculated and displayed at checkout, prior to finalizing your purchase.

  • Tax Rate: Sales tax rates are determined based on the location of the shipping address, and the rate may vary based on your state or municipality.

If you are tax-exempt, please contact our customer support team prior to placing your order to arrange for tax exemption.

7. Payment Confirmation

Once your payment has been processed successfully, you will receive an email confirmation with the following details:

  • Order Number
  • Total Amount Paid
  • Shipping Address
  • Billing Information
  • Estimated Delivery Date

Please keep a copy of this confirmation email for your records. If you do not receive the confirmation email within 24 hours, please contact our customer support team.

8. Payment Issues

If you experience any issues with your payment or billing, please take the following steps:

  • Payment Declined: If your payment is declined by your credit card company, PayPal, or another payment method, please verify your payment details, including your billing address and available funds. You may also need to contact your bank or card provider for assistance.

  • Payment Discrepancies: If you believe there is a discrepancy with the payment amount or any charges, please contact us within 7 days of placing your order so we can investigate and resolve the issue promptly.

9. Order Cancellations

You may cancel your order before it has been processed and shipped. To request a cancellation, please contact our customer support team as soon as possible at support@chicxmist.com. Please note that once an order has been processed or shipped, it cannot be canceled. In this case, you will need to initiate a return once the order is received.

10. Subscription Orders

If you subscribe to a recurring order or subscription (such as for regular delivery of products), payments will be charged to your selected payment method at the beginning of each subscription period (e.g., monthly, quarterly).

  • Subscription Management: You can manage your subscription preferences, including skipping orders or canceling your subscription, by logging into your account on ChicXMist.com.

  • Billing Cycle: The billing cycle will be clearly indicated during subscription sign-up. You will receive a reminder email before each charge.

11. Refunds

In the event that you are eligible for a refund (based on our Return and Refund Policy), the refund will be processed back to the original payment method. Refund processing times may vary depending on your payment provider:

  • Credit Card Refunds: Refunds to credit or debit cards can take 5-7 business days to appear in your account.
  • PayPal Refunds: Refunds to PayPal accounts are typically processed within 3-5 business days.
  • Gift Cards: If you paid using a gift card or store credit, the refund will be issued as a store credit to your account.

12. Contact Us

If you have any questions regarding payment methods, billing issues, or payment security, feel free to contact us:

Our customer support team is available Monday to Friday, 9:00 AM – 5:00 PM EST.

13. Changes to the Payment Policy

We reserve the right to update this Payment Policy at any time. Any changes will be posted on this page, and the Effective Date will be updated. By continuing to use our services after any changes, you agree to the updated terms.