Payment Policy

Accepted Payment Methods

To provide maximum convenience and accessibility, Texturist.shop accepts a wide range of trusted major credit cards, debit cards, and digital payment methods:

• Visa (Credit & Debit Cards)
• Mastercard (Credit & Debit Cards)
• American Express (AMEX)
• Discover Card
• Diners Club
• JCB
• UnionPay
• Apple Pay (for compatible iOS and macOS devices)
• Google Pay (for supported web browsers and Android devices)

Note: We do not accept cash on delivery (COD), personal checks, wire transfers, money orders, or crypto-currencies at this time. All purchases must be completed electronically during checkout.

Transparent Pricing & $0 Hidden Fees

We maintain absolute transparency across our billing process. What you see at checkout is the exact total amount you pay:

• Zero Payment Surcharges: We never add processing fees, gateway convenience fees, or credit card surcharges to your purchase total.
• Free Global Shipping: As outlined in our Shipping Policy, all shipping costs are 100% free with no minimum order requirements.
• Clear Total Breakdown: Before entering payment details, your checkout screen clearly details the item price, applicable sales tax, and $0 shipping cost.

Multi-Currency Conversion & Billing

Texturist.shop serves customers internationally with adaptive localization features:

• Default Currency: Our base store currency is United States Dollars (USD).
• Automatic Currency Display: Based on your region, our store automatically converts product prices into your local native currency for convenient browsing.
• Checkout Processing: Transactions are finalized in the displayed currency or processed in equivalent USD values based on real-time market exchange rates.
• Foreign Transaction Fees: While Texturist.shop does not charge currency conversion fees, your bank or credit card issuer may apply a minor international transaction fee depending on your card issuer’s policy.

Payment Security & Encryption Standards

Your privacy and digital safety are protected through enterprise-grade security protocols:

• 100% SSL Encryption: Texturist.shop operates under an Extended Validation SSL certificate. All checkout pages are encrypted using standard HTTPS/TLS 1.3 protocol to protect your personal details during transmission.
• PCI-DSS Level 1 Compliance: All credit and debit card processing is handled by payment processors certified under the highest security standard in the payments industry (PCI-DSS Level 1).
• Zero Card Data Retention Policy: We do NOT store, process, view, or log your full 16-digit credit card number, CVV security code, or card PINs on our servers. Financial data goes directly to our secure payment gateway.

Billing Verification & Fraud Prevention

To guard our customers against unauthorized purchases and credit card fraud, we utilize automated anti-fraud security screenings:

• Address Verification System (AVS): Your billing address entered at checkout must match the billing record on file with your card issuing bank.
• CVV/CVC Match: Every card purchase requires entering the correct 3-digit or 4-digit security code.
• Order Review Holds: If our automated risk assessment flags a transaction due to mismatched details or suspicious patterns, our support team may temporarily hold the order for manual verification prior to fulfillment.

Payment Authorization & Order Confirmation

• Immediate Authorization: When you complete your checkout, your payment method is authorized and charged immediately for the order total.
• Order Confirmation Email: As soon as payment authorization is confirmed, an automated order confirmation containing your transaction summary and invoice details is emailed to your provided email address.
• Payment Failures: If a payment transaction fails or is declined, please double-check your billing details, expiration date, and CVV code, or contact your card issuer to clear any security blocks.

Refunds & Chargebacks

We aim to resolve all customer questions quickly and fairly:

• Refund Processing: Approved returns and cancellations are refunded directly to the original payment method within 5 to 7 business days following processing, as detailed in our Return & Refund Policy.
• Dispute Resolution: If you experience any billing discrepancies, double charges, or order issues, please contact our support team at info@texturist.shop before opening a bank dispute or chargeback. We are always ready to assist and resolve issues quickly.

Conclusion

At Texturist.shop, you can shop for high-quality throw blankets with peace of mind. With PCI-DSS Level 1 payment protection, 256-bit SSL encryption, zero hidden processing fees, and support for major international payment methods, your checkout experience is fast, safe, and secure.