Payment Policy – Golden Radiance

Effective Date: February 10, 2025

At Golden Radiance, we aim to provide our customers with a seamless and secure shopping experience. This Payment Policy outlines the terms and conditions for payments made on our website. By placing an order with us, you agree to the terms of this policy.

1. Accepted Payment Methods

We accept the following payment methods:

  • Credit/Debit Cards: Visa, MasterCard, American Express, Discover
  • PayPal: Secure online payment service that allows you to use your PayPal balance or linked bank account/credit card.
  • Apple Pay: Secure payment through Apple’s digital wallet.
  • Google Pay: Quick checkout with Google’s payment service.

We may also accept other payment methods that will be listed at checkout.

2. Payment Processing

  • Secure Transactions: All transactions are processed using secure encryption technology to ensure that your payment information is protected.
  • Authorization: When you submit your payment details, we will immediately authorize the transaction. If the authorization is successful, your order will proceed.
  • Payment Verification: To ensure the security of transactions, we may request additional verification for orders that meet certain risk criteria. This can include verifying the billing address or requesting a phone number for confirmation.

3. Order Confirmation

  • Once your payment is processed, you will receive an order confirmation email. This will include the details of your order, including the product(s) purchased, the total price, and the estimated delivery date.
  • Please review the order confirmation and notify us immediately if there are any discrepancies.

4. Billing Address

For successful payment processing, the billing address provided must match the address on file with your credit card issuer or payment service provider. If the billing address does not match, your payment may be declined, and your order may be delayed or canceled.

5. Payment Failure

  • If your payment is declined for any reason, you will receive a notification. Please ensure that your payment details are correct, including the card number, expiration date, and security code.
  • You may also want to verify that your card has sufficient funds and that your credit card company has not blocked the transaction due to security concerns.
  • If a payment fails, you will need to update your payment information and resubmit your order.

6. Currency and Taxes

  • All prices on our website are listed in U.S. dollars (USD).
  • Sales tax will be calculated based on the shipping address and applicable tax rates. Taxes will be added during checkout and displayed before you complete your purchase.
  • International customers are responsible for paying any import duties, customs fees, or taxes imposed by the destination country. These charges are not included in the purchase price and will be collected by the carrier at delivery.

7. Refunds

  • Refunds will be processed to the original payment method used for the purchase. Please refer to our Refund and Returns Policy for more details on the conditions and process for returns and refunds.
  • If a refund is issued, the time it takes for the funds to appear in your account will depend on the payment method and your financial institution.

8. Fraud Prevention

We take fraud prevention seriously and may place restrictions or require verification for orders that appear suspicious. This includes:

  • Orders placed from unusual locations or with high-risk attributes.
  • Multiple orders placed in a short time period from the same account or IP address.

In such cases, we may request identification or additional information before processing the payment. Your order may be delayed if we need to verify this information.

9. Changes to the Payment Policy

Golden Radiance reserves the right to update or modify this Payment Policy at any time. Any changes will be posted on this page with the updated “Effective Date.” We encourage you to review the policy periodically to stay informed of any updates.

10. Contact Us

If you have any questions or concerns about our Payment Policy, please contact us:

Effective Date: December 31, 2024

Thank you for choosing Golden Radiance! We are committed to providing you with a secure and reliable shopping experience.