Payment methods

Last Updated: 01/01/2025
Effective Date: 01/01/2024

At Merchifies.com, we are committed to providing secure, convenient, and flexible payment options for customers worldwide. This Payment Methods and Billing Policy outlines our accepted payment methods, security measures, billing procedures, and your rights regarding payments.

By placing an order or making a payment through our platform, you agree to this policy, our Terms of Service, and Privacy Policy.

1. Accepted Payment Methods

We offer multiple secure payment options to accommodate customers globally:

Card Requirements

• Valid, non-expired payment cards

• Billing address must match card registration

• Sufficient funds or available credit

• Cards must support online transactions

• 3D Secure authentication may be required for enhanced security

Currency and Pricing

• Primary Currency: All prices displayed in USD

• International Customers: Your bank handles currency conversion

• Foreign Transaction Fees: May apply per your card issuer's terms

• Exchange Rates: Determined by your financial institution at time of processing

2. Buy Now, Pay Later (BNPL) Options

Currently available in the United States only. European expansion coming soon.

Affirm

• Payment Plans: Pay in 4 installments or extended financing options

• Eligibility: Subject to credit approval and state availability

• Requirements: US billing address, valid SSN, minimum age 18

• Interest Rates: 0% APR options available; rates vary by creditworthiness

• Lending Partners: See complete list at affirm.com/lenders

Afterpay

• Payment Structure: Pay in 4 equal installments over 6 weeks

• Eligibility: Automatic approval for many customers

• Requirements: US billing address, valid debit or credit card

• Fees: No interest if paid on time; late fees may apply

Klarna

• Options: Pay in 4 installments or extended financing

• Eligibility: Subject to approval

• Requirements: US billing address, minimum age 18

• Rates: 0% interest for Pay in 4; other rates vary

Important BNPL Legal Disclosures:

• California Residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license

• Credit Impact: Some BNPL providers may report payment history to credit bureaus

• Late Payment Consequences: Missing payments may result in fees and potential credit impact

3. Payment Security and Fraud Prevention

Security Measures

• Encryption: All transactions protected by TLS 1.3 encryption

• PCI Compliance: Card payments processed by PCI DSS Level 1 certified processors

• Tokenization: We do not store complete payment card information

• Fraud Detection: Advanced machine learning algorithms monitor for suspicious activity

Payment Processors

Stripe, Inc.

• Address: 354 Oyster Point Blvd, South San Francisco, CA 94080, USA

• Privacy Policy: stripe.com/privacy

• Compliance: PCI DSS Level 1 certified

PayPal (Europe) S.à r.l. et Cie, S.C.A.

• Address: 22-24 Boulevard Royal, L-2449 Luxembourg

• Privacy Policy: paypal.com/privacy

• Compliance: Regulated financial institution, PCI DSS compliant

Automated Fraud Prevention

Our security systems may:

• Verify billing address accuracy through Address Verification Service (AVS)

• Conduct IP geolocation checks for geographic consistency

• Monitor transaction velocity and patterns

• Request additional verification for high-risk orders

• Decline transactions that fail security screening

If your payment is declined:

1. Verify all payment details are correct

2. Contact your bank to ensure card is authorized for online purchases

3. Try an alternative payment method

4. Contact our support team at [email protected]

4. Billing and Payment Processing

When You're Charged

• Immediate Processing: Payment is captured when you click "Place Order"

• Production Requirements: Due to print-on-demand manufacturing, we cannot hold charges until shipping

• Authorization Holds: Brief holds may be placed during order validation

Billing Address Requirements

• Complete street address (P.O. boxes not accepted for card billing)

• Accurate city, state/province, and postal code

• Correct country selection

• Phone number for delivery coordination

Address Verification: Your billing address must match your payment method's registered address to prevent fraud and ensure successful processing.

Google Maps Integration

We use Google Maps Autocomplete to help ensure accurate address entry:

• Data Processing: Google may collect IP address and browser information

• Privacy: Subject to Google's Privacy Policy at policies.google.com/privacy

• International Transfers: Protected by EU-US Data Privacy Framework and Standard Contractual Clauses

• Legal Basis: Legitimate interests in preventing delivery errors (GDPR Art. 6(1)(f))

5. International Payment Considerations

Tax and Customs Responsibilities

US Sales Tax:

• Applied to orders shipped to states where we have tax obligations

• Calculated automatically based on shipping address

• Included in total order amount at checkout

International Orders:

• Import Duties/VAT: Customer responsibility for international shipments

• Customs Fees: May apply and are paid by recipient

• Tax Documentation: Available for business customers upon request

Regional Compliance

European Union:

• GDPR compliance for data processing

• Strong Customer Authentication (SCA) requirements

• 14-day withdrawal rights (limited for custom products)

United Kingdom:

• UK GDPR compliance

• Consumer Rights Act 2015 protections

• VAT obligations where applicable

Other Regions:

• Canada: PIPEDA privacy protections

• Australia: Australian Consumer Law protections

• Brazil: LGPD compliance for Brazilian residents

6. Refunds and Dispute Resolution

Refund Processing

Approved Refunds:

• Processed to original payment method when possible

• Timeline: 5-10 business days for cards, 1-3 days for PayPal

• BNPL Refunds: Handled according to each provider's specific policies

• Processing Fees: May be deducted from refund amount

Chargeback Policy

Before Filing a Chargeback: We strongly encourage contacting our customer service first:

• Email: [email protected]

• Phone: (307) 381-6808

• Response Time: Typically within 24 hours

Chargeback Process: If a chargeback is filed, we provide comprehensive documentation including proof of production, shipment tracking, and order communications to the card issuer for resolution.

7. Your Privacy and Data Rights

Information We Collect

Payment-Related Data:

• Billing name and address

• Last 4 digits of card number (reference only)

• Payment method type

• Transaction dates and amounts

• Processor transaction IDs

Information We Don't Store:

• Complete credit card numbers

• CVV/CVC security codes

• Banking passwords or PINs

Your Rights by Region

California Residents (CPRA):

• Right to know what personal information is collected and how it's used

• Right to delete personal information (subject to legal exceptions)

• Right to opt out of "sale" or "sharing" for targeted advertising

• Right to non-discrimination for exercising privacy rights

EEA/UK Residents (GDPR):

• Access, rectify, erase, restrict, or object to processing

• Data portability rights

• Right to withdraw consent

• Right to file complaints with supervisory authorities

Other US States: Residents of Virginia, Colorado, Connecticut, Utah, Oregon, and Texas have similar rights to access, delete, correct, and opt out of targeted advertising.

8. Troubleshooting Payment Issues

Common Payment Failures

Card-Related Issues:

• Insufficient funds or exceeded credit limit

• Expired or cancelled card

• Incorrect card details

• International transaction restrictions

• Card blocked by issuer

Resolution Steps:

1. Double-check all payment information for accuracy

2. Contact your bank to ensure card is active and authorized

3. Try alternative payment method (PayPal, different card, digital wallet)

4. Clear browser cache and try again

5. Contact support if problems persist

International Payment Tips

• Notify your bank of international purchases to prevent blocks

• Consider using PayPal for additional buyer protection

• Check if your card has foreign transaction fees

• Ensure your card supports online international transactions

9. Customer Support and Contact Information

Payment Support

General Payment Issues:

• Email: [email protected] (include "Payment Issue" in subject)

• Phone: (307) 381-6808

• Business Hours: Monday-Friday, 9 AM - 5 PM MT

Billing Disputes:

• Email: [email protected]

• Required Information: Order number, payment method used, detailed description of issue

• Response Time: 24-48 hours for most inquiries

Emergency Fraud Issues:

• First: Contact your bank or card issuer immediately

• Then: Email [email protected] with transaction details

• Phone: (307) 381-6808 for urgent matters

Mailing Address

Merchifies LLC
Payment Department
30 N Gould St, Ste N
Sheridan, WY 82801
United States

10. Policy Updates and Legal Information

Policy Changes

• Material changes will be communicated via email and website notifications

• Updated "Last Updated" date reflects all revisions

• Continued use after changes constitutes acceptance

• Previous versions available upon request

Legal Compliance

We maintain compliance with:

• Payment Card Industry (PCI) Data Security Standards

• Anti-Money Laundering (AML) regulations

• Know Your Customer (KYC) requirements

• Consumer protection laws in applicable jurisdictions

• International data transfer regulations

Accessibility

If you need this policy in an alternative format or require assistance due to a disability, please contact us at [email protected] or (307) 381-6808.

Quick Reference:

• Payment Issues: [email protected]

• Privacy Questions: [email protected]

• Billing Disputes: [email protected]

• Fraud Reports: [email protected]

• Phone Support: (307) 381-6808

By completing a transaction, you agree to our Terms of Service, Privacy Policy, and this Payment Methods and Billing Policy.