Payment Policy Effective Date: January 7, 2025 Address: 1510 Boyson Rd, Hiawatha, Iowa (IA)

At QuackToPin, we are committed to offering secure, reliable, and transparent payment solutions for all transactions. This Payment Policy outlines the accepted payment methods, processing details, and additional terms to ensure a seamless shopping experience.

1. Accepted Payment Methods

QuackToPin provides various payment options to accommodate customer preferences:

a. Credit and Debit Cards

  • Visa

  • MasterCard

  • American Express

  • Discover

b. Digital Wallets

  • PayPal

  • Apple Pay

  • Google Pay

c. Gift Cards and Store Credit

  • QuackToPin-issued gift cards and store credits can be redeemed during checkout.

  • Gift cards are non-refundable and cannot be exchanged for cash unless required by law.

2. Payment Processing

All payments are processed securely using PCI DSS-compliant systems. Here’s what to expect during payment:

  • Authorization: Payment is authorized at the time of purchase.

  • Confirmation: Customers receive an order confirmation email upon successful payment.

  • Processing: Orders are processed within 1-2 business days after payment confirmation.

3. Payment Security

QuackToPin employs robust security measures to protect customer payment information:

  • SSL encryption ensures secure transmission of sensitive data.

  • Advanced fraud detection systems monitor for suspicious activities.

  • Customer payment information is encrypted and never stored on our servers.

4. Refunds and Disputes

Refunds and disputes are governed by our Refund and Returns Policy. Highlights include:

  • Refunds are issued to the original payment method within 7-10 business days after approval.

  • Customers are encouraged to contact QuackToPin at info@quacktopin.com for resolution before initiating a chargeback.

5. Recurring Payments

For subscription-based or recurring orders:

  • Customers consent to automatic deductions from their selected payment method for each billing cycle.

  • Subscriptions can be managed or canceled at any time via account settings or by contacting customer support.

6. Taxes and Additional Fees

a. Sales Tax

  • Sales tax is calculated based on the shipping address and displayed during checkout.

b. International Fees

  • Customers are responsible for customs duties, import taxes, or additional charges for international shipments. These are not included in the order total.

7. Failed or Declined Payments

If a payment fails:

  • Ensure sufficient funds and verify payment details.

  • Contact your financial institution for assistance.

  • Use an alternate payment method to complete the order.

Orders with failed payments are not processed until payment is successfully completed.

8. Payment Adjustments

a. Order Modifications

  • Changes to orders after placement, such as adding items or upgrading shipping, may result in additional charges.

  • Customers will be notified of any changes before processing.

b. Refund Adjustments

  • Partial refunds for returned items reflect the cost of the returned item, excluding original shipping fees unless the return is due to a QuackToPin error.

9. Currency and Conversion Rates

All transactions are processed in USD. International customers paying in other currencies may incur conversion fees or discrepancies due to exchange rates, determined by their financial institution.

10. Late or Missing Refunds

If you have not received a refund within the specified timeframe:

  1. Check with your bank or payment provider.

  2. Contact QuackToPin at info@quacktopin.com for further assistance.

11. Customer Support for Payment Inquiries

For payment-related questions or assistance, contact us:

12. Amendments to Payment Policy

QuackToPin reserves the right to amend this Payment Policy at any time. Updates will be posted on our website, and significant changes will be communicated via email. Continued use of our services constitutes acceptance of the revised terms.