Payment Policy

Section 1: Overview

Thank you for choosing Options Designs for your shopping needs. This Payment Policy outlines the terms and conditions governing payment methods, billing procedures, and financial transactions on our online store. By making a purchase through our services, you acknowledge that you have read, understood, and agree to abide by this Payment Policy.

We are committed to providing a secure, transparent, and convenient payment experience for all our customers.

Section 2: Accepted Payment Methods

We accept the following payment options:

Credit/Debit Cards: Visa, Mastercard, American Express, Discover

Digital Wallets: PayPal, Shop Pay, Apple Pay, Google Pay

• All transactions are processed securely via SSL encryption
• Payments are subject to authorization by your card issuer
• All prices are displayed in USD
• A confirmation email with your order number will be sent upon purchase

Section 3: Payment Processing

Order Confirmation:

Once you successfully complete a purchase, you will receive an order confirmation email containing your order details, itemized costs, and a unique order number. This email serves as your receipt and proof of transaction.

Payment Authorization:

All payments are subject to authorization by the issuing financial institution or payment processor. We reserve the right to cancel or refuse any order if payment authorization fails or is declined.

Currency:

All prices on our website are displayed in U.S. Dollars (USD) unless otherwise specified. If you are purchasing from a country with a different currency, your bank or payment provider may apply exchange rates and additional conversion fees.

Security:

We employ industry-standard encryption and security measures (SSL/TLS) to protect your payment information during transmission. Your card details are never stored on our servers; all transactions are processed through PCI-compliant payment processors.

Section 4: Pricing and Taxes

Product Pricing:

All product prices listed on our website are the final prices at the time of purchase. Prices are subject to change without prior notice. Price changes will not affect orders that have already been confirmed and processed.

Shipping Charges:

Shipping costs are calculated separately and will be clearly displayed during the checkout process. Please refer to our Shipping Policy for more details on shipping options and charges.

Taxes:

Applicable sales tax will be calculated based on your shipping address and added to your order total. Tax rates vary depending on state and local regulations. If tax calculation is not automated at checkout, you may be billed separately for applicable taxes.

Import Duties and Customs:

For international orders, you may be responsible for import duties, customs clearance fees, and taxes imposed by your country's customs authorities. These charges are not included in the shipping cost and must be paid by the recipient.

Section 5: Billing Information

Accuracy of Information:

You are responsible for ensuring that all billing information provided during checkout is accurate, current, and complete. This includes your name, billing address, email address, and payment details.

Address Verification:

For your security, we may verify the billing address provided with the card issuer. Orders with mismatched or unverifiable billing addresses may be delayed or canceled.

Billing Discrepancies:

If you notice any discrepancies in your billing statement, please contact us immediately at info@optionsdesigns.com or call +1 (770) 792-4419. We will investigate and resolve any billing errors promptly.

Section 6: Payment Failures and Issues

Failed Transactions:

If your payment fails or is declined, please:

• Verify that your card details are correct and up-to-date
• Check with your bank or card issuer to ensure there are no restrictions
• Ensure sufficient funds are available
• Try an alternative payment method

If the issue persists, please contact us for assistance.

Pending Payments:

In some cases, payments may appear as "pending" on your statement. This typically resolves within 24-48 hours once the transaction is processed. If a pending payment does not clear, please contact your financial institution.

Cancelled Orders:

If an order is canceled due to payment issues or other reasons, any authorized payment hold will be released according to your card issuer's policies. The time frame for funds to be returned may vary.

Section 7: Refunds and Reimbursements

Refund Eligibility:

Refunds are processed according to our Return and Refund Policy. Please review the policy for detailed information on eligibility, timeframes, and procedures.

Refund Timeline:

Once a refund is approved, the amount will be credited back to the original payment method within 10 business days, depending on your bank or card issuer. Please note that additional time may be required for the funds to appear in your account.

Partial Refunds:

In cases where only a portion of an order is returned, only the value of the returned items plus applicable taxes will be refunded. Shipping costs are non-refundable unless the return is due to our error.

Non-Refundable Items:

Certain items may not be eligible for a refund, including:

• Personalized or custom-made products
• Opened hygiene or personal care items
• Items marked as "final sale" or "non-returnable"

Section 8: Payment Security and Fraud Prevention

Fraud Protection:

We take fraud prevention seriously. All transactions are monitored for suspicious activity. We reserve the right to cancel or flag any order suspected of fraud and may request additional verification before processing.

Suspicious Activity:

If we detect unusual or potentially fraudulent transactions, we may:

• Temporarily hold the order for verification
• Request additional documentation (e.g., ID, proof of address)
• Contact you directly to confirm order details

Unauthorized Transactions:

If you believe an unauthorized transaction has been made on your account, please contact us immediately. We will work with you and your financial institution to resolve the issue.

PCI Compliance:

We are committed to maintaining PCI DSS (Payment Card Industry Data Security Standard) compliance to ensure the secure handling of payment information.

Section 9: Split Payments and Gift Cards

Split Payments:

Currently, we do not support split payments across multiple payment methods in a single transaction. You may use only one payment method per order.

Gift Cards:

Options Designs may offer gift cards that can be used toward purchases on our website. Gift card terms and conditions apply. Please check our website for current gift card availability and terms.

Section 10: Financing and Installment Options

Buy Now, Pay Later:

We may offer "Buy Now, Pay Later" options through third-party financing partners. These options allow you to pay for your purchase in installments over a specified period.

Terms and Conditions:

Financing options are subject to approval by our third-party financing partners. Interest rates, late fees, and repayment terms vary by provider. Please review the financing agreement carefully before proceeding.

Default:

If you fail to make payments under a financing agreement, the financing partner may take collection actions, and your account may be subject to additional fees and interest.

Section 11: Currency Conversion and International Payments

Foreign Currencies:

If you make a payment in a currency other than USD, your bank or payment processor will convert the amount at their applicable exchange rate. Exchange rates applied by your financial institution may differ from rates shown on our website.

International Transaction Fees:

Your bank or card issuer may charge additional fees for international transactions. These fees are determined by your financial institution and are not controlled by Options Designs.

Order Total:

The final amount charged to your payment method will be the order total in USD, including any applicable taxes and shipping costs, plus any conversion or foreign transaction fees charged by your bank.

Section 12: Policy Updates and Modifications

We reserve the right to update, modify, or replace any part of this Payment Policy at any time without prior notice. Changes will be effective immediately upon posting on our website.

The "Last Updated" date at the top of this policy indicates the most recent revision. Your continued use of our services after any changes constitutes your acceptance of the updated Payment Policy.

Section 13: Contact Information

For questions, concerns, or feedback regarding this Payment Policy, please contact us:

Shop Name: Options Designs

Phone: +1 (770) 792-4419

Email: info@optionsdesigns.com

Shop Address: 67 Church St, Marietta, GA 30060, United States

Opening Hours: Monday – Wednesday: 11:00 AM – 5:00 PM Thursday – Saturday: 10:00 AM – 6:00 PM Sunday: 12:00 PM – 4:00 PM

Response Time: We respond within 24 hours.

Security Certification