Payment Method Policy

1. Definitions

• Payment Method: The means by which you pay for the craft ornaments purchased on the Website, including but not limited to credit cards, debit cards, electronic wallets, and bank transfers.
• Payment Processor: Third-party service providers authorized by us to process payment transactions, including but not limited to credit card processors, electronic wallet service providers, and bank payment gateways.
• Payment Transaction: The process of you initiating a payment, our system verifying the payment information, and the payment processor completing the fund transfer.
• Payment Authorization: The confirmation from the payment processor or your financial institution that the payment amount is available and the transaction is approved.
• Failed Payment: A payment transaction that is not completed successfully due to insufficient funds, incorrect payment information, security verification failure, or other reasons.
• Payment Data: Personal and financial information related to your payment, including but not limited to credit card numbers, debit card numbers, bank account details, electronic wallet account information, and billing address.

2. Accepted Payment Methods

• Credit and Debit Cards: We accept major credit and debit cards, including but not limited to Visa, Mastercard, American Express, and Discover. When paying with a credit or debit card, you will need to provide the card number, cardholder name, expiration date, and CVV code (Card Verification Value) to complete the transaction. All card transactions are processed through secure payment gateways that comply with PCI DSS standards.
• Electronic Wallets: We accept payments through popular electronic wallets, including but not limited to PayPal, Apple Pay, Google Pay, and Samsung Pay. These payment methods allow you to complete transactions quickly and securely without entering your card details each time, providing convenience for both one-time and repeat purchases of craft ornaments.
• Bank Transfers: For large-value craft ornament purchases (e.g., custom-made or high-end artisanal pieces), we accept bank transfers (including wire transfers and online bank transfers). If you choose this payment method, we will provide you with our bank account details via email after you place your order. Please note that bank transfers may take 1-3 business days to be processed, and your order will be confirmed only after we receive the full payment.
• Note: We reserve the right to restrict the use of certain payment methods for specific orders, such as custom-made craft ornaments or international orders, based on risk assessment and payment processor requirements.

3. Payment Security

• Payment Processor Compliance: Our payment processors are fully compliant with PCI DSS, which sets strict standards for the security of cardholder data. They are responsible for storing, processing, and transmitting your payment information securely.
• Security Verification: To prevent fraudulent transactions, we may implement additional security verification measures, such as 3D Secure (Verified by Visa, Mastercard SecureCode), which requires you to enter a one-time verification code sent to your mobile phone or email to complete the payment. This helps protect your card from unauthorized use, especially for online purchases of craft ornaments.
• Your Responsibilities: You are responsible for keeping your payment information (such as card details, electronic wallet passwords, and bank account information) secure. Do not share your payment credentials with any third party, and notify us immediately if you suspect any unauthorized use of your payment method on our Website.

4. Payment Terms and Conditions

• Payment Obligation: You agree to pay the full purchase price of the craft ornaments, plus any applicable shipping fees, taxes, and other charges, using one of our accepted payment methods.
• Payment Authorization: By initiating a payment, you authorize us and our payment processors to charge the full amount to your selected payment method. We will only charge your payment method after you have confirmed your order and the payment is authorized by your financial institution.
• Currency: All payments on the Website are processed in  unless otherwise specified. If your payment method uses a different currency, your financial institution may apply currency conversion fees, which are your responsibility.
• Failed Payments: If your payment is declined or fails for any reason (e.g., insufficient funds, incorrect card details, security verification failure), we will notify you via email. You will need to re-initiate the payment using a valid payment method within 24 hours to avoid order cancellation. If we do not receive the payment within the specified time, we reserve the right to cancel your order without prior notice, especially for limited-edition or custom-made craft ornaments.
• Pre-Authorization: For certain orders (e.g., custom-made craft ornaments that require advance production), we may place a pre-authorization on your payment method to verify that the funds are available. This pre-authorization will be converted to an actual charge once the order is confirmed, or canceled if you decide not to proceed with the purchase (usually within 3-7 business days, depending on your payment method).

5. Refund Payments

• Refund Method: Refunds will be issued to the same credit card, debit card, electronic wallet, or bank account used for the original payment. We do not offer cash refunds for online purchases, unless the original payment was made in cash (which is not applicable for our Website).
• Refund Processing Time: Refunds will be processed within 5 business days of us confirming your return or cancellation. However, the time it takes for the refund to appear in your account may vary depending on your payment method and financial institution, typically ranging from 3-7 business days for credit/debit cards and electronic wallets, and 1-3 business days for bank transfers.
• Refund Amount: The refund amount will be equal to the purchase price of the craft ornaments, minus any non-refundable fees (e.g., custom production fees for personalized items that match your requirements, or shipping fees for change-of-mind returns). If the payment included currency conversion fees, these fees are not refundable and will be borne by you.
• Failed Refunds: If a refund fails (e.g., due to a closed bank account, expired credit card, or incorrect payment details), we will notify you via email. You will need to provide us with updated payment information within 7 business days to complete the refund. If we do not receive updated information, we will hold the refund amount for 30 days, after which we may donate it to a charitable organization (with prior notice to you).

6. Payment Disputes

7. Payment Data Protection

• Data Retention: We will retain your payment data only for as long as necessary to complete the payment transaction, process refunds, and comply with legal and regulatory requirements (typically 7 years for tax and accounting purposes). After the retention period, we will securely delete or anonymize your payment data so that it can no longer identify you.
• Your Rights: Under GDPR, you have the right to access, correct, or request the erasure of your payment data, subject to applicable legal requirements. To exercise these rights, please contact our customer service team using the contact information provided below.

8. Prohibited Payment Activities

• Fraudulent transactions, such as using stolen credit cards, fake payment information, or unauthorized payment methods.
• Money laundering, terrorist financing, or other illegal activities.
• Purchasing counterfeit or illegal craft ornaments (we only sell genuine, legal craft ornaments).
• Using our payment services to test or validate stolen payment credentials.

9. Changes to This Policy

10. Contact Us