Payment Policy

This Payment Policy explains how payments are handled when you purchase products from Grace & Stella. It covers checkout, transaction authorization, order charges, payment issues, and the treatment of refunds.

Checkout and Available Payment Methods

Payment options available for your order will be displayed during checkout.

Depending on the payment services available at the time of purchase, you may be able to pay using supported credit or debit cards and other payment methods presented on the checkout page.

The payment methods shown may vary based on factors such as the order, payment provider, and delivery location.

When Your Payment Is Submitted

After you confirm your order, the payment information is submitted to the applicable payment processor for authorization.

A transaction may be approved immediately, declined, or placed through an additional verification process.

Your bank, card issuer, or payment provider may apply its own authorization and security procedures. We do not control those decisions.

An order will generally move forward only after the required payment authorization has been successfully completed.

Payment Review and Verification

For security purposes, some transactions may require additional review.

If a payment cannot be verified or an authorization issue needs to be resolved, we may temporarily hold the order while the matter is reviewed.

An order may be canceled if payment authorization cannot be completed or if there is a reasonable concern involving transaction security or suspected unauthorized activity.

Information Required at Checkout

When completing a purchase, please provide accurate billing and contact information.

The information entered during checkout may be used by the applicable payment provider to authorize the transaction.

If your billing information does not match the requirements of your payment provider, the transaction may be declined or require additional verification.

Currency Used for Purchases

Unless a different currency is clearly displayed during checkout, prices on our store are presented in U.S. dollars (USD).

The final amount due will be shown before you submit your order.

Your financial institution may apply its own currency-conversion or international transaction fees if your account is maintained in a currency other than USD. Such charges are determined by your financial institution and are not controlled by us.

Taxes and Order Total

The amount payable at checkout may include the price of the selected products, applicable shipping charges, sales tax, and other required amounts.

Where taxes are required by applicable law, they will be calculated and included in the amount presented before the purchase is completed.

The checkout total is the amount that will be submitted for payment.

Payment Processing Partners

Our online store uses Shopify and payment service providers to support the checkout and transaction process.

Depending on the payment method selected, transaction information may be processed by the relevant payment provider in accordance with its own terms, security procedures, and privacy practices.

We do not ask customers to send complete payment card information through email.

Declined Transactions

If your payment does not go through, you may wish to check:

Whether the card information was entered correctly
Whether the billing address is accurate
Whether the card has expired
Whether sufficient funds or credit are available
Whether your card issuer has placed a restriction on the transaction

If the issue continues, contacting your card issuer or payment provider may provide more information about the decline.

We cannot approve a transaction that has been declined by the applicable payment provider.

Duplicate Charges or Payment Concerns

If you believe the same order has resulted in more than one charge, please contact us with the relevant order information.

We may review the transaction details available to us and assist in determining whether the additional amount represents an actual duplicate charge or a temporary authorization.

Please do not email your full card number, security code, password, or other confidential payment credentials.

Order Cancellation and Payment Reversal

If an order is canceled before fulfillment and a refund is applicable, the corresponding amount will generally be returned through the original payment method.

If an order has already entered fulfillment or been shipped, cancellation may no longer be possible. In that case, the applicable Refund Policy will determine whether a return and refund can be requested.

Refund Timing

When a refund has been approved, we generally return the applicable amount to the payment method originally used for the transaction.

We aim to initiate approved refunds within the timeframe stated in our Refund Policy.

After the refund has been submitted by us, the card issuer, bank, or payment provider may require additional time to post the credit to your account.

A delay at this stage does not necessarily mean that the refund has failed.

Payment Security

Please protect your payment information and avoid sharing sensitive financial credentials through unsecured communications.

Grace & Stella will not require you to send your complete payment card number or card security code by email to resolve an ordinary customer service request.

If additional information is genuinely required to investigate a payment issue, our support team will explain the appropriate process.