Payment Policy

Payment Policy – Your Financial Rights and Security

Complete Payment Protection and Transparency

At Jennykitchenshop, your financial security comes first. This policy explains exactly how we handle payments, protect your financial information, and ensure fair, transparent billing practices. You have the right to understand every charge before you pay.

Financial Security Hotline: support@jennykitchenshop.com

Your Payment Rights

Right to Payment Security

Bank-Level Encryption: All payment data transmitted using SSL/TLS encryption No Storage: We never store your credit card information on our servers PCI Compliance: Meet all Payment Card Industry security standards Fraud Protection: Advanced fraud detection on every transaction Secure Processors: PayPal and Stripe provide additional security layers

Right to Transparent Pricing

No Hidden Fees: Total cost shown before payment confirmation Tax Transparency: 0% tax rate clearly explained (no sales tax charged) Shipping Costs: Exact shipping costs calculated before checkout Currency Clarity: Real-time exchange rates for international customers Fee Disclosure: Any processing fees clearly disclosed (we don’t charge processing fees)

Right to Payment Choice

Multiple Options: Several secure payment methods available No Discrimination: Same service regardless of payment method chosen Protection Information: Clear explanation of protections for each payment method Flexibility: Change payment method before order completion

Accepted Payment Methods

Why We Recommend: Maximum buyer protection and security Buyer Protection: PayPal’s comprehensive buyer protection program Dispute Resolution: Access to PayPal’s dispute resolution system No Account Required: Guest checkout available International: Excellent international support and currency conversion Processing Time: Instant processing, immediate order confirmation

Credit Cards

Accepted Cards: Visa, Mastercard, American Express, Discover Security: Processed through Stripe with bank-level security Chargeback Rights: Full chargeback protection through your card issuer Fraud Protection: Zero liability fraud protection International Cards: International credit cards accepted Processing Time: Instant processing and authorization

Bank Transfer

Large Orders: Available for orders over $500 Security: Direct bank-to-bank transfer with confirmation Processing Time: 1-3 business days for transfer confirmation International: International wire transfers accepted Documentation: Complete documentation and confirmation provided Verification: Additional verification required for security

International Payment Information

Currency and Exchange Rates

Base Currency: All prices displayed in USD Real-Time Conversion: Live exchange rates at checkout for international customers No Markup: We don’t add fees to currency conversion Rate Lock: Exchange rate locked at time of order confirmation Conversion Transparency: Exact conversion rate shown before payment

International Card Processing

Global Acceptance: Cards from virtually any country accepted Local Currency: Your card may be charged in local currency (bank dependent) International Fees: Any fees charged by your bank clearly disclosed Security Verification: Additional verification may be required for fraud prevention Support: International customer support for payment issues

Tax and Duty Information

Sales Tax: 0% sales tax charged (business located in Wyoming, USA) Import Duties: International customers responsible for import duties/taxes Duty Estimates: Estimated duties/taxes shown at checkout when possible VAT Collection: VAT collected at checkout for applicable EU orders Documentation: Complete customs documentation provided

Payment Security Measures

Data Protection

No Storage: We never store payment card information Tokenization: Card data converted to secure tokens immediately Encryption: All payment data encrypted during transmission Access Controls: Strict access controls for any payment-related data Regular Audits: Regular security audits and compliance checks

Fraud Prevention

Real-Time Monitoring: Every transaction monitored for fraud indicators Address Verification: Billing address verification for card transactions CVV Verification: Security code verification required Velocity Checking: Multiple transaction monitoring Risk Assessment: Advanced risk assessment algorithms

Your Security Responsibilities

Secure Connection: Always verify secure (https) connection when paying Private Networks: Use secure, private internet connections for payments Account Security: Keep your account passwords secure Monitor Statements: Regularly check payment card statements Report Issues: Immediately report any suspicious activity

Refund and Chargeback Policies

Refund Processing

Timeline: Refunds processed within 5-7 business days Method: Refunds return to original payment method Full Refunds: Complete refund of item cost for eligible returns Partial Refunds: Available for minor issues (you keep the item) International: International banking may extend refund timeline to 7-14 days

Refund by Payment Method

Credit Cards: 5-7 business days (bank processing time) PayPal: 1-3 business days Bank Transfer: 5-10 business days depending on banking systems Store Credit: Immediate credit to account (optional)

Chargeback Rights and Process

Your Right: You always maintain chargeback rights through your payment provider Communication: Contact us first – most issues resolved immediately Documentation: We provide documentation for legitimate chargebacks Fair Process: We don’t contest legitimate chargebacks Resolution: Work with you and payment provider for fair resolution

Dispute Resolution

Internal First: Contact our customer service first for fastest resolution Payment Provider: Use PayPal, credit card dispute process if needed External Mediation: Neutral mediation available for complex disputes Legal Rights: All legal rights preserved for payment disputes

Order Processing and Payment

When Payment is Charged

Authorization: Payment authorized at order placement Capture: Payment captured when order ships (usually 1-3 days) Pre-Authorization: Short-term hold on funds until shipping Failed Authorization: Order cancelled if payment cannot be authorized Communication: Email notification of all payment actions

Payment Verification

Address Matching: Billing address verified with card issuer Security Checks: Additional verification for large orders or international transactions Identity Verification: May require identity verification for fraud prevention Order Review: High-value orders may require manual review Communication: Clear communication if additional verification needed

Order Modification After Payment

Changes Allowed: Order changes allowed until production begins Price Adjustments: Automatic refund if order total decreases Additional Charges: Clear authorization required for any additional charges Cancellation: Full refund available until production begins Notification: Email notification of any payment adjustments

Pricing and Billing Transparency

Pricing Structure

Product Pricing: Clearly displayed for each item Quantity Discounts: Automatic bulk pricing where applicable Shipping Costs: Real-time shipping calculation Tax Information: Clear explanation of 0% tax rate Total Cost: Complete order total shown before payment

No Hidden Fees Policy

Processing Fees: No payment processing fees charged to customers Handling Fees: No handling fees added to orders Account Fees: No account maintenance or membership fees Service Fees: No service fees for customer support or order changes Transparency: Any fees clearly disclosed before payment

Price Matching and Adjustments

Competitive Pricing: We regularly review pricing for competitiveness Price Matching: Will consider price matching for identical products Sale Price Protection: Sale prices honored for reasonable time after order Error Correction: Immediate correction and refund for pricing errors Fair Pricing: Commitment to fair, transparent pricing practices

Special Payment Situations

Large Orders

Bulk Discounts: Automatic quantity discounts applied Payment Options: Additional payment options for orders over $500 Credit Terms: Business credit terms available for qualified customers Verification: Additional verification may be required for large orders Support: Dedicated support for large order customers

Corporate and Business Orders

Business Accounts: Special accounts available for regular business customers Invoice Terms: Net payment terms available for qualified businesses Tax Exemption: Tax exemption handling for qualified organizations Purchase Orders: Purchase order processing available Volume Pricing: Special pricing for volume customers

Gift Orders and Gift Cards

Gift Payments: Someone else can pay for orders shipped to you Gift Cards: Electronic gift cards available Gift Receipts: Gift receipts available (prices hidden) Return Flexibility: Gift recipients can return items without original payment info Transfer: Gift cards can be transferred to others

Payment Problems and Solutions

Declined Payments

Common Causes: Insufficient funds, address mismatch, security flags Immediate Help: Customer service available to help resolve payment issues Alternative Methods: Try different payment method or contact your bank Fraud Prevention: Sometimes legitimate orders trigger fraud prevention Resolution: Usually resolved quickly with customer service help

Payment Errors

Double Charges: Immediate investigation and refund for duplicate charges Wrong Amounts: Immediate correction for incorrect charge amounts Authorization Issues: Help resolving payment authorization problems Technical Problems: Support for technical payment processing issues Documentation: Complete documentation of all payment corrections

Billing Questions

Statement Questions: Help understanding charges on your payment statement Merchant Name: Charges appear as “Jennykitchenshop” or payment processor name Date Differences: Explanation of authorization vs. capture date differences Amount Verification: Verification of exact amounts charged Receipt Copies: Duplicate receipts and documentation available

Payment Support and Help

Payment Support Team

Email: support@jennykitchenshop.com (Subject: Payment Question) Response Time: Maximum 1 hour for urgent payment issues Resolution Authority: Payment team can approve refunds and adjustments immediately Expertise: Specialized knowledge of payment processing and security

Pre-Purchase Consultation

Payment Planning: Help choosing best payment method for your situation Security Questions: Answer questions about payment security and protection International Help: Specialized help for international payment questions Technical Support: Help with technical payment processing issues

Post-Purchase Support

Receipt Questions: Help with receipt and payment documentation Refund Status: Real-time refund processing status updates Dispute Support: Help with payment provider disputes if needed Documentation: Provide documentation for your records or disputes

Regulatory Compliance

PCI DSS: Payment Card Industry Data Security Standards compliance Consumer Protection: Full compliance with consumer payment protection laws International Laws: Compliance with international payment processing regulations State Laws: Compliance with all applicable state payment and consumer protection laws

Privacy and Data Protection

Payment Data: Payment information processed according to our Privacy Policy Data Retention: Minimal retention of payment-related data Third-Party Processing: PayPal and Stripe privacy policies also apply Security Breaches: Immediate notification of any security incidents affecting payment data

Terms and Conditions

Binding Agreement: Payment policy forms part of Terms of Service Updates: Any changes to payment policy communicated 30 days in advance Governing Law: Payment disputes governed by Wyoming state law and applicable federal law Jurisdiction: Payment disputes handled in appropriate legal jurisdiction

Payment Security Best Practices

For Your Protection

Secure Networks: Always use secure, private internet connections for payments Device Security: Keep your devices secure with updated software and antivirus Password Protection: Use strong, unique passwords for your accounts Statement Monitoring: Regularly review payment card and bank statements Immediate Reporting: Report suspicious activity immediately

Red Flags to Avoid

Phishing: We never request payment information via email or phone Fake Websites: Always verify you’re on our official website before paying Pressure Tactics: We never pressure customers to pay immediately Unsecure Sites: Never enter payment information on non-secure (non-https) sites Too Good to Be True: Be wary of prices that seem too good to be true

Your financial security is our top priority. We use industry-leading security measures and transparent billing practices to ensure you can shop with complete confidence. Contact us immediately with any payment questions or concerns.