This Payment Policy outlines the payment methods we accept, how transactions are processed, and what to expect when making a purchase on our website.

1. Accepted Payment Methods

We accept the following payment methods:

• Visa
• Mastercard
• American Express
• PayPal
• Apple Pay
• Google Pay

2. Currency

All prices on our website are displayed in USD. Your card will be charged in the currency shown at checkout. If your card is issued in a different currency, your bank may apply a currency conversion fee — this is determined by your card issuer, not by us.

3. Payment Processing & Security

All payments are processed through secure, PCI-DSS-compliant third-party payment gateways. We do not store your full card number, CVC, or other sensitive payment details on our servers.

4. Order Confirmation

Once your payment has been successfully authorized, you will receive an order confirmation email containing your order number and item details. If you do not receive this confirmation within 24 hours, please check your spam/junk folder before contacting our support team.

5. Failed, Declined, or Incomplete Payments

If a payment is declined or fails to process, your order will not be confirmed and no charge will be applied. Common causes include insufficient funds, incorrect card details, or your bank’s fraud-prevention systems flagging the transaction. Please verify your details or contact your card issuer before attempting payment again.

6. Pre-Authorization Holds

In some cases, your bank may place a temporary authorization hold on your account when you place an order. This is not a charge and will be released automatically by your bank within a few business days if the order does not proceed.

7. Billing Information Accuracy

You are responsible for ensuring the billing information provided at checkout is accurate and matches your payment method. Incorrect billing details may result in payment delays or order cancellation.

8. Refunds

Approved refunds, in accordance with our Returns Policy, are issued to the original payment method used for the purchase. Please allow 5–10 business days for the refund to reflect in your account, depending on your bank or payment provider.

9. Currency & VAT for International Orders

Customers in the EU and other international regions may be subject to local VAT or sales tax, which will either be applied at checkout or collected as part of customs clearance, depending on your country’s regulations. Please refer to our Shipping Policy for further detail on customs charges.

10. Fraud Prevention

To protect both our customers and our business, we reserve the right to verify, delay, or cancel orders that are flagged as high-risk or potentially fraudulent by our payment processors. We may request additional verification before releasing an order for shipment.

11. Contact Us
For any payment-related questions or concerns, contact us at admin@dialcollectionfactory.com.