Payment Methods Policy
1. Introduction
We aim to make payment secure, simple, and comfortable for you. Below are the payment options we offer and important details about processing, security, and billing.
2. Accepted Payment Types
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Credit/Debit Cards: Visa, MasterCard, American Express, Discover (as available).
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PayPal (if available).
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Other digital wallets if offered (e.g., Apple Pay, Google Pay) — depends on checkout options.
3. Currency & Multi-Currency Support
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All prices are in US Dollars (USD).
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If you are purchasing from outside the U.S., your bank may convert. We are not responsible for currency conversion charges.
4. Third-Party Payment Providers
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Payments are processed through secure, reputable third-party payment processors (e.g., Stripe, PayPal).
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We do not store full payment card information on our servers.
5. Payment Security & Data Protection
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Transactions are encrypted and secured via SSL/TLS.
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Our payment processors are PCI-DSS compliant.
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Sensitive data (like card numbers) is handled by recognized payment services, not stored by us.
6. Billing & Authorization
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You may see charges or authorizations from “Chic & Nifty” or a processor name on your statement.
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Orders may show a pre-authorization before final settlement once shipped.
7. Failed Payments & Discrepancies
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If payment fails, you’ll be notified and asked to try another method.
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If there is a discrepancy (wrong amount, unauthorized), contact us immediately.
8. Refunds & Payment Reversals
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For refunds, amounts will be credited back to the original payment method.
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Timing for credit depends on your bank or provider (may take several business days).
