Payment Policy

Effective Date: January 17, 2025

At LuxeOpall, we prioritize secure and efficient payment methods to make your shopping experience seamless. Our Payment Policy outlines the accepted payment methods, payment processing, and security measures to ensure a safe transaction when purchasing jewelry and other items from our website.

1. Accepted Payment Methods

LuxeOpall accepts the following payment methods for online purchases:

  • Credit and Debit Cards: We accept major credit cards including Visa, MasterCard, American Express, and Discover.
  • PayPal: You can securely pay using your PayPal account, which provides an additional layer of protection for your transactions.
  • Apple Pay & Google Pay: We also accept payments via Apple Pay and Google Pay for customers using these services.
  • Other Methods: Additional payment options may be available at checkout, depending on your location.

All payment methods must be valid and authorized for use. By selecting your preferred payment method, you agree to pay the total order amount, including applicable taxes, shipping, and handling fees.

2. Payment Processing

Once you submit your payment information, we will process your order as follows:

  • Authorization: Your payment will be authorized and verified by our payment processor. This may include checks for fraud prevention and sufficient funds.
  • Payment Capture: Upon successful authorization, your payment will be captured, and your order will be confirmed.
  • Order Confirmation: You will receive an email confirmation after your order has been successfully processed. This email will include your order details, shipping address, and estimated delivery time.

3. Currency

All transactions on LuxeOpall are processed in USD (United States Dollars). If you are making an international purchase, the amount charged will be converted to your local currency by your bank or payment provider, and exchange rate fees may apply.

4. Security and Fraud Prevention

At LuxeOpall, we take your security seriously. All payment information is securely processed using SSL (Secure Socket Layer) encryption technology to protect your sensitive data.

  • Data Protection: We adhere to industry standards for payment security, including compliance with PCI DSS (Payment Card Industry Data Security Standard).
  • Fraud Prevention: We employ advanced fraud detection systems to identify any suspicious or unauthorized activity. We reserve the right to cancel or decline any order we believe to be fraudulent.

5. Payment Authorization and Verification

To ensure the security of our customers, we may require additional verification for high-value transactions or if your payment method flags a potential issue. This may include:

  • Address Verification: If there is a discrepancy in the billing address, we may ask for further verification before processing your payment.
  • Two-Factor Authentication: Some payment methods may require two-factor authentication (such as a one-time password or verification code).

If we are unable to verify your payment information, your order may be delayed, or you will be contacted for additional verification.

6. Taxes and Fees

The total amount due at checkout will include applicable sales tax, depending on your shipping address. Sales tax rates are calculated based on your location and may vary by state or country.

  • Domestic Orders (U.S.): Sales tax will be added to your order in accordance with your state and local tax laws.
  • International Orders: Customs duties, taxes, and fees may apply to international shipments and are the responsibility of the customer. These charges are not included in the total at checkout and must be paid to the customs authorities upon delivery.

7. Payment Declines

If your payment is declined, you will be notified, and you will be given the option to try another payment method. Please ensure that your payment details are accurate and that there are sufficient funds or credit available.

  • Declined Transactions: If a transaction is declined, we are unable to process your order until payment is successfully authorized.
  • Contact Your Payment Provider: If you continue to experience issues, please contact your bank or payment provider for assistance.

8. Changes to Your Order

If you need to make changes to your order, such as updating payment information, please contact us immediately. Once an order is processed and payment has been authorized, we are unable to make changes or cancel the order. However, you may request a return or exchange after receiving your items according to our Refund and Returns Policy.

9. Recurring Payments (If Applicable)

In the event that LuxeOpall offers subscriptions, memberships, or any recurring billing options, you will be notified of the payment schedule and any charges associated with these services.

  • Automatic Renewals: By selecting a recurring payment option, you agree to the terms of the subscription and authorize LuxeOpall to charge the designated amount at the time of renewal.
  • Cancellation: You can cancel any recurring payments by contacting us at info@luxeopall.com prior to the next billing cycle.

10. Contact Us

If you have any questions or concerns regarding payment methods, charges, or security, please contact us:

  • Phone: (716) 662-3136
  • Email: info@luxeopall.com
  • Address: 144 Bridle Path, Orchard Park, New York

For more details, please visit luxeopall.com/payment-policy.