Payment Policy

At [ustoren], we understand that security, simplicity, and trust are essential when completing an online purchase. Our payment infrastructure is built to deliver a smooth, professional, and secure checkout experience—so you can focus on choosing the right products with confidence.

We use industry-leading encryption and payment technologies to ensure your financial information remains private and protected at every stage of the transaction.

1. Supported Payment Methods

To accommodate a wide range of customer preferences, our website supports multiple secure payment options, including major cards and digital wallets.

Credit & Debit Cards

We accept the following major card providers:

Visa
Mastercard
American Express
Discover
JCB
Diners Club

Digital Wallets & Express Checkout

For faster and more convenient checkout, we also support:

Apple Pay
Google Pay
Meta Pay

2. Recommended Payment Method: PayPal

While all supported payment methods are secure, we highly recommend PayPal for an enhanced checkout experience.

Why We Recommend PayPal:

Enhanced Privacy & Security: PayPal allows you to complete payments without sharing your full financial details with us.
Buyer Protection: Eligible purchases may be covered by PayPal’s Purchase Protection program.
Speed & Convenience: PayPal One Touch™ enables faster checkout without repeated data entry.
Flexible Funding Options: Pay using your PayPal balance, linked bank account, or preferred card.

3. Secure Transaction Standards

Your security is our highest priority. We implement professional-grade safeguards across our entire website:

SSL Encryption
All checkout transactions are protected using 256-bit Secure Socket Layer (SSL) encryption.
PCI DSS Compliance
Our payment processing fully complies with Payment Card Industry Data Security Standards (PCI DSS).
No Stored Card Data
We do not store full credit card numbers or CVV codes on our servers. All sensitive data is handled directly by certified payment processors.

4. Billing & Charges

When placing an order, the following billing process applies:

Authorization
A real-time authorization is performed to verify available funds when you submit your order.
Immediate Charge
Your payment method is charged at the time of purchase, allowing us to begin our 1–2 business day handling process without delay.
Total Cost Transparency
The amount shown at checkout includes:
- Product price
- Applicable sales tax (if required)
- $6.99 flat-rate shipping fee
  There are no hidden fees.

5. Currency & Pricing

All transactions are processed in USD (U.S. Dollars).

If your card is issued outside the United States, your bank may apply a currency conversion or international transaction fee. All prices displayed on our website are final and clearly stated at checkout.

6. Refunds & Payment Reversals

We are committed to timely and professional refund handling:

Refund Processing Time
Refunds are processed within 7 business days after we receive and inspect returned items.
Original Payment Method
Refunds are always issued to the original payment method used for the purchase.
PayPal Refunds
PayPal refunds typically appear in your PayPal balance or original funding source shortly after processing.