Kitchcraft — Payment Policy

1. Accepted Payment Methods

Kitchcraft accepts eligible payment cards through the payment methods available at checkout. The following card networks are accepted:

Payment-method availability may depend on transaction eligibility, payment-provider requirements, and the payment options available during checkout.

2. Card Payment Information

When customers select a card payment method, they may be required to provide information necessary to authorize and process the transaction.

This may include:

• Cardholder name
• Card number
• Expiration date
• Security code or CVV
• Billing address
• ZIP or postal code
• Other information required for payment verification

Customers are responsible for ensuring that the payment information provided is accurate and belongs to an authorized payment method.

3. Currency Used

Kitchcraft uses United States Dollar (USD) as the primary store currency.

Customers should review the final order total displayed at checkout before completing payment.

If a bank or card issuer performs currency conversion, applicable exchange rates or foreign-transaction charges may be determined by that financial institution or payment provider.

4. Sales Tax

Applicable sales tax may be calculated and added to an order where required by applicable tax rules.

The applicable amount may depend on the delivery destination and relevant state or local requirements.

Any applicable sales tax will be displayed as part of the checkout total before the customer completes payment.

5. Order Total

The final amount charged for an order may include:

• Product price
• Applicable sales tax
• Shipping charges
• Other applicable amounts clearly disclosed during checkout

Customers should review the complete order summary before submitting payment.

6. Payment Processing

When an order is submitted, the selected payment method is sent through the applicable payment-processing system for authorization and processing.

Payment Process

1. The customer submits the order.
2. Payment information is submitted through the checkout system.
3. The applicable payment provider reviews the transaction.
4. The transaction may be approved, declined, or require additional verification.
5. If approved, the order proceeds according to Kitchcraft's order-processing procedures.

Payment providers may apply their own authorization, security, fraud-prevention, and processing procedures.

7. Payment Authorization

Payment authorization confirms that the selected payment method may be used for the transaction.

Authorization does not necessarily mean that every stage of order fulfillment has been completed.

If payment cannot be successfully authorized or processed, the order may not be completed.

8. Secure Payments

Kitchcraft uses the Shopify checkout and applicable payment-processing infrastructure to process customer transactions.

Payment systems may use security measures such as:

• Encryption
• Fraud detection
• Payment verification
• Security checks
• Authentication procedures
• Additional card authentication where applicable

9. Payment Card Security

Customers should never send complete payment-card information through:

• Email
• Social media messages
• Public comments
• Unsecured messages
• Ordinary customer-support communications

Payment information should be entered through the official Kitchcraft checkout or applicable secure payment interface.

10. Billing Information

Customers are responsible for providing accurate billing information when required during checkout.

This may include:

• Full name
• Billing address
• ZIP or postal code
• Payment-card information
• Other information required by the payment provider

Incorrect billing information may cause a transaction to fail or require additional verification.

11. Payment Verification

For security and fraud-prevention purposes, a payment may be subject to additional verification.

Verification may be required when:

• The payment provider identifies unusual transaction activity.
• Billing information requires additional confirmation.
• The card issuer requests authentication.
• The transaction requires additional security verification.
• A payment provider identifies a potential security risk.

12. Payment Verification Requests

If additional verification is required, customers may need to complete the verification requested by their bank, card issuer, or payment provider.

If required verification cannot be completed, the payment may not be authorized.

Kitchcraft does not control verification decisions made by banks, card issuers, or payment providers.

13. Failed Payments

Possible causes of a failed payment include:

• Incorrect card information
• Incorrect billing information
• Expired card
• Insufficient available funds or credit
• Bank restrictions
• Card restrictions
• Security or fraud checks
• Online transaction restrictions
• Payment-provider errors
• Incomplete authentication
• Card issuer decline
• Other payment-processing issues

14. Declined Payments

A declined payment means that the transaction was not successfully authorized by the applicable payment system.

Customers may:

• Verify the card details.
• Confirm billing information.
• Check the card expiration date.
• Confirm sufficient funds or credit.
• Contact the card issuer.
• Try another accepted payment method.

15. Duplicate or Multiple Payment Attempts

Customers should avoid repeatedly submitting payment when they are unsure whether a transaction has already been processed.

If a customer believes they were charged more than once for the same order, they should contact Kitchcraft Customer Support with the order details.

16. Payment Pending Status

Some transactions may temporarily appear as pending while the payment provider, bank, or card issuer completes authorization or processing.

A pending authorization does not necessarily mean that Kitchcraft has received final payment.

17. Payment Provider and Processing Fees

Payment processing may involve fees charged to Kitchcraft by the applicable payment provider.

Kitchcraft does not add an undisclosed payment-processing fee to an order. Any applicable customer charges forming part of the order total will be shown during checkout where required.

18. Refunds

Approved refunds are processed according to the Kitchcraft Returns & Refunds Policy.

Once a return has been reviewed and approved, the applicable refund is submitted through the payment gateway or payment provider used for the original transaction.

Approved refunds are generally sent to the original payment method.

19. Refund Processing Time

This timeframe refers to Kitchcraft's processing of an approved refund.

After Kitchcraft submits the refund, the time required for funds to appear in the customer's account may depend on the payment provider, bank, card issuer, or financial institution.

20. Original Payment Method

Approved refunds are normally returned to the payment method originally used for the order.

21. Failed Refunds

A refund may fail or remain pending because of payment-provider or financial-institution issues.

Possible reasons may include:

• Payment-provider error
• Original transaction limitations
• Closed or restricted payment account
• Bank rejection
• Payment-provider processing issue
• Other provider-specific restrictions

If an expected refund has not been received after the applicable processing period, contact Kitchcraft Customer Support.

22. Expired or Replaced Payment Cards

If a payment card used for an order has expired, been replaced, or been canceled before an approved refund is issued, the payment provider or card issuer may have its own process for handling the refund.

Customers may need to contact their card issuer if a refund has been processed but does not appear on the replacement card or account.

23. Payment Disputes and Chargebacks

Customers should contact Kitchcraft Customer Support first if they have questions about:

• A payment
• Order amount
• Duplicate charges
• Refunds
• Payment status
• Order cancellation
• A transaction they do not understand

Where appropriate, Kitchcraft will review the available order and payment information.

24. Unauthorized Transactions

If a customer believes their payment card was used without authorization, they should immediately contact their bank or card issuer.

Customers may also contact Kitchcraft if they believe an unauthorized transaction may be connected to a Kitchcraft order.

25. Payment Information and Privacy

Payment-related information is handled through the applicable checkout and payment-processing systems.

Kitchcraft's collection and handling of personal information is also governed by the Kitchcraft Privacy Policy.

Customers should review the Privacy Policy for additional information regarding personal information, cookies, Shopify, payment providers, and data handling.

26. Payment Information We Do Not Request Through Support

For security reasons, Kitchcraft customer support will not normally require customers to send complete payment-card credentials through email or social media.

Customers should never voluntarily send:

• Full card number
• CVV or security code
• Online banking password
• Payment account password
• One-time authentication code
• Other sensitive security credentials

27. Payment Method Availability

Payment methods shown at checkout may vary based on transaction eligibility, payment-provider availability, card type, currency, payment settings, and security requirements.

The payment methods displayed during checkout are the methods currently available for that transaction.

28. Payment Authorization and Order Fulfillment

Successful payment authorization allows an order to proceed through the normal order-processing process.

Payment authorization does not change the terms of Kitchcraft's Shipping Policy, Returns & Refunds Policy, or Terms of Service.

29. Order Cancellation and Payments

Kitchcraft's order cancellation rules are described in the applicable store policies.

Where an eligible cancellation results in a refund, the applicable refund will be processed through the payment system used for the original transaction.

Refund timing may depend on the payment provider and customer's financial institution after Kitchcraft processes the refund.

30. Payment Currency and Refund Currency

Payments are generally processed in the currency displayed for the order.

Where a payment provider or financial institution performs currency conversion, the conversion rate and any applicable foreign-transaction fees may be determined by that provider or institution.

31. Customer Responsibility

Customers are responsible for:

• Providing accurate payment information.
• Using a valid payment method.
• Ensuring sufficient available funds or credit.
• Providing accurate billing information.
• Completing required payment verification.
• Protecting payment credentials.
• Reviewing the final order amount before payment.
• Contacting their bank when bank-side assistance is required.

32. Kitchcraft Responsibility

Kitchcraft is responsible for:

• Clearly displaying applicable payment methods at checkout.
• Processing eligible transactions through the applicable payment system.
• Providing customers with payment-related support.
• Processing approved refunds according to the applicable Returns & Refunds Policy.
• Maintaining payment procedures through the applicable checkout and payment infrastructure.

33. Customer Support for Payment Questions

For questions about payment, customers may contact Kitchcraft Customer Support.

34. Business Information

35. Related Kitchcraft Policies

Customers may also review the following store information:

36. Payment Security Notice

Kitchcraft takes payment security seriously.

Customers should use the official Kitchcraft checkout when entering payment information.

Never provide complete payment-card details, passwords, security codes, or authentication credentials through social-media messages or ordinary customer-support communications.

If you receive a suspicious payment-related request claiming to represent Kitchcraft, contact us through an official customer-support channel before providing sensitive information.

38. Policy Updates

Kitchcraft may update this Payment Policy when payment methods, payment providers, checkout procedures, business operations, or applicable requirements change.

When updates are made, the Last Updated date at the beginning of this policy may be revised.

Customers should review the latest version of this Payment Policy before placing an order.

39. Important Payment Notice

Payment authorization, transaction processing, refund processing, and payment-provider decisions may involve third-party financial institutions and payment providers.

Kitchcraft does not control decisions made by a customer's bank, card issuer, payment network, or payment provider regarding authorization, decline, verification, currency conversion, or the final posting of a refund.

Where a payment issue is outside Kitchcraft's direct control, customers may need to contact their bank or payment provider for additional assistance.