Payment Policy

Payment Policy

This Payment Policy explains how payments are authorized and processed on Carmal Giles Kids, including accepted payment methods, when charges occur, how discounts are applied, and how refunds are handled. If you have any questions, our customer support is available 24/7.

Methods & Currency

Accepted Payment Methods

We accept payment methods made available at checkout through our payment providers. Options may include major credit/debit cards, digital wallets, and other local methods depending on your location and device.

Security Processing

Payments are processed securely by third-party payment providers. We do not intentionally store full payment card numbers on our website. Payment providers may handle your payment information according to their own policies and security standards.

Currency & Pricing

Prices are displayed in the currency shown on our website at the time of purchase. If your bank uses a different currency, it may apply exchange rates or fees that are outside our control.

Timing & Authorization

Authorization and capture

When you place an order, your payment method may be authorized for the order total. The actual charge (capture) typically occurs when the order is processed according to the payment provider’s flow. Some banks display an authorization hold immediately, which may appear as “pending.”

Pending charges

If you see a pending authorization, it usually clears automatically if the charge is not captured. The timing depends on your bank or card issuer. If you have concerns about a pending charge, contact us and we will help confirm the order status.

Fraud Prevention

To protect customers, orders may be reviewed. We reserve the right to cancel or refuse an order for reasons such as suspected fraud or incomplete information. If canceled after authorization, any pending amount is typically released by your bank automatically.

Common Payment Issues

If a payment fails, the issue is often related to verification or bank-side restrictions. Below are common causes:

  • Billing address mismatch: Ensure the billing address matches your bank records.
  • Insufficient funds or daily limits: Check available balance and card limits.
  • Bank security blocks: Some banks block online or out-of-state transactions by default.
  • Incorrect card details: Confirm card number, expiration date, and security code.
  • Browser or device issues: Try a different browser, clear cache, or use another device.
If you continue to experience issues, contact us with a screenshot of the error message (if available) and the email used at checkout.

Discounts & Fees

Email Subscriber Discount

Subscribe to our email list for a 15% automatic discount sitewide. No code required. Use the same email address for subscription and checkout.

Promotional Items

Selected promotional items may receive an automatic 20% discount. No code required. Eligibility varies by product and campaign.

Taxes & Fees

Taxes are calculated at checkout based on shipping address. Your bank may apply additional fees (foreign transaction, currency conversion) which are outside our control.

Refunds & Disputes

Method & Timing

Approved refunds are typically issued back to the original payment method. Timing varies by provider and can range from a few business days to longer.

Returns

We offer free returns and exchanges within 30 days. If you need help with the process, contact us with your order number.

Chargebacks

If you have a problem, please contact us first. Many issues can be resolved quickly without a formal dispute. If a dispute is filed, we may provide transaction details to the provider.

Security & Credits

Secure Checkout

Our checkout uses secure connections and reasonable safeguards. Use a strong password and avoid sharing login details.

Gift Cards

If gift cards or store credit are offered, terms will be shown at purchase. They typically cannot be redeemed for cash unless required by law.

Price Accuracy

If a pricing error occurs, we may cancel the order or contact you. If you were already charged, we will arrange an appropriate correction or refund.