Payment Policy

PAYMENT POLICY

At Facoles, we are committed to offering a smooth and secure shopping experience by providing a variety of reliable and flexible payment options. We take the security of your financial information seriously and ensure that all transactions are processed securely. Please read through our payment policy to understand the available payment methods and how we handle payments.

1. Accepted Payment Methods

We aim to make your shopping experience as easy and flexible as possible by accepting the following major payment methods:

  • ✅ Visa
  • ✅ MasterCard
  • ✅ American Express
  • ✅ JCB
  • ✅ Discover Card
  • ✅ PayPal

You can choose the payment method that works best for you at checkout.

2. Credit Card and PayPal Payments

We accept all major credit cards, including Visa, MasterCard, American Express, JCB, and Discover.

PayPal:

  • You can choose to pay using PayPal for a fast and secure checkout experience.
  • If you select PayPal at checkout, you will be redirected to the PayPal platform to complete your payment securely.
  • PayPal allows you to pay directly from your PayPal balance, bank account, or linked credit card.

Credit Card:

  • Your card will only be charged once your order is confirmed.
  • To avoid payment issues, please ensure that:
    • Your billing address matches the address registered with your bank.
    • The zip code and payment details are correct at checkout.

👉 If your payment is declined or flagged for any reason, the order will not be processed, and you will receive a notification to update your payment information.

3. Payment Security

Your security is our top priority. We use industry-leading technology to keep your information safe:

🔒 SSL Encryption:

  • All transactions are protected using Secure Socket Layer (SSL) encryption to safeguard your personal and financial details.

🔒 Secure Payment Gateways:

  • Payments are processed through trusted third-party gateways like PayPal and Stripe.
  • Your payment details are never stored on our servers.

🔒 Fraud Monitoring:

  • We actively monitor all transactions for unusual activity.
  • If we detect any suspicious activity, we may reach out for additional verification to protect your account.

4. Currency and Conversion Fees

  • All payments are processed in USD (United States Dollar).
  • If you’re using a card or account in another currency, your bank may apply a currency conversion fee.
  • Any additional charges from your bank are not the responsibility of Facoles.

5. Failed or Declined Payments

If your payment fails:

  • Double-check your card details, including the expiration date and CVV code.
  • Confirm that your billing address matches your card’s registered address.
  • If paying via PayPal, ensure that your PayPal account has sufficient funds or linked cards are valid.
  • Contact your bank, card provider, or PayPal if the issue persists.

👉 If you need further assistance, reach out to our support team at [email protected] — we’re happy to help!

6. Payment Confirmation

Once your payment is processed, you’ll receive a confirmation email with your order details.

  • If you don’t receive a confirmation within 24 hours, check your spam folder or contact us.

7. Refunds and Chargebacks

  • Refunds will be processed to the original payment method if your order is eligible under our Return and Refund Policy.
  • Refunds typically take 3 to 10 business days to appear on your statement, depending on your bank’s processing time.
  • If you paid with PayPal, refunds will be processed directly to your PayPal account.
  • If you file a chargeback without contacting us first, we may limit your account access or decline future orders.
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