Payment Policy

Effective Date: January 4, 2025

At Coolnarie, we aim to provide a seamless and secure shopping experience. Our Payment Policy outlines the different payment methods we accept, as well as details on billing, security, and issues related to payments. By making a purchase on our website, you agree to abide by the terms outlined below.

1. Accepted Payment Methods

We accept a variety of payment methods to make your shopping experience as convenient as possible. All payments are processed securely and efficiently.

  • Credit/Debit Cards:
    We accept major credit and debit cards, including:

    • Visa
    • MasterCard
    • American Express
    • Discover

  • PayPal:
    PayPal is a secure and widely used online payment system. You can use your PayPal account or link a credit card or bank account for payment. PayPal transactions are processed immediately for quicker order processing.

  • Apple Pay and Google Pay:
    For mobile users, Apple Pay and Google Pay offer fast and secure payment options directly from your mobile device. These methods are available during checkout for a smooth, one-tap purchase experience.

  • Buy Now, Pay Later Options:
    We offer Klarna and Afterpay as options for those who prefer to break their payment into installments. These services allow you to shop now and pay over time with easy, interest-free installments.

  • Gift Cards:
    Coolnarie also offers digital gift cards, which can be used as payment for any product on our website. You can purchase gift cards in various denominations and use them at checkout.

2. Billing Information

When making a purchase at Coolnarie, you will be asked to provide your billing information. This includes:

  • Full Name
  • Billing Address
  • Phone Number
  • Email Address

Please ensure that all billing information provided is accurate and up-to-date. Any discrepancies or errors in billing may cause delays in processing your order. If we are unable to verify your billing information, we may need to contact you for additional verification.

3. Payment Processing and Security

Coolnarie takes your security seriously. We use SSL encryption technology to ensure that your personal and payment information is transmitted securely. Our payment processing system is PCI-DSS compliant, meaning that we adhere to the highest security standards when handling your payment details.

  • Secure Payment Gateway:
    All payments are processed through secure, third-party payment gateways to ensure the safety of your financial information. This includes reputable services such as Stripe, PayPal, Apple Pay, and Google Pay, which adhere to strict security protocols to protect you.

  • Fraud Prevention:
    To protect our customers and our business from fraudulent activities, we may conduct additional verification checks on orders. If any suspicious activity is detected, we reserve the right to cancel the transaction and request further documentation for verification.

4. Payment Authorization

Once you place an order, Coolnarie will authorize your payment method to ensure that the funds are available. However, the actual charge to your account will occur once your order is processed and shipped.

  • Pre-Authorization Holds:
    In some cases, your payment may show a pre-authorization hold on your account before the final charge is made. This is a temporary hold placed by the payment processor to ensure sufficient funds for the purchase.

  • Order Processing:
    Your order will be processed once the payment is successfully authorized. If there are any issues with your payment (e.g., insufficient funds, incorrect details), our customer service team will contact you to resolve the issue before proceeding with the order.

5. Taxes and Additional Charges

  • Sales Tax:
    Sales tax is calculated based on your shipping address and applicable state laws. Coolnarie is required by law to collect sales tax on orders shipped to certain states within the United States. The total amount of sales tax will be displayed during checkout before you finalize your purchase.

  • International Orders:
    For international orders, customs duties, taxes, and import fees may be applied by the destination country. These charges are not included in the product price or shipping costs and are the responsibility of the customer. Please be aware that Coolnarie does not cover these charges.

6. Payment Declines or Errors

In the event that your payment is declined or an error occurs during processing, please review your payment details for accuracy. Here are some potential causes and solutions:

  • Insufficient Funds:
    Ensure that your card has sufficient available credit or balance to cover the transaction amount. You can check with your bank or payment provider for more details.

  • Incorrect Information:
    Double-check the billing address, card number, expiration date, and CVV code entered. Ensure that all information matches what is on file with your card issuer.

  • Bank or Card Issuer Declines:
    If your payment is declined by your bank or credit card issuer, please contact them for further assistance. Some banks may block certain online transactions for security reasons.

If you’re unable to resolve the issue, contact Coolnarie customer support, and we’ll be happy to assist you.

7. Payment Receipt

After your payment is processed, you will receive an order confirmation email containing the details of your purchase, including the total amount paid, the payment method used, and a summary of your order. This email serves as your official receipt.

If you need a physical receipt or a copy of your invoice for accounting purposes, please contact our customer support team, and we will be happy to assist.

8. Refunds and Cancellations

  • Order Cancellation:
    If you wish to cancel an order after payment, please contact us as soon as possible. If the order has already been shipped, you may need to go through our return process.

  • Refunds:
    Refunds will be issued to the original payment method used for the purchase. Please allow 5-10 business days for the refund to appear on your account, depending on your payment method and financial institution.

  • Partial Refunds:
    In the case of a partial return or exchange, we will issue a refund for the value of the returned product(s), minus any applicable fees.

9. Contact Us

If you have any questions about our payment methods, processing, or policies, please don’t hesitate to contact our customer service team. We’re here to help you with any payment-related inquiries and ensure a smooth shopping experience.