Payment policy

1. Accepted Payment Methods

We accept the following payment methods:

• Visa

• Mastercard

• American Express

• Diners Club

• Discover

• Apple Pay

• Google Pay

The payment methods available at checkout may vary based on your device, browser, location, and the payment options enabled for your order. Apple Pay and Google Pay are available only on compatible devices and where supported.

2. Currency and Charges

All prices and transactions on garzafathomcommerce.com are displayed and processed in U.S. dollars (USD), unless the checkout page clearly states otherwise. Applicable sales tax is calculated and displayed before you submit your order. We do not add undisclosed product, handling, or standard shipping charges after checkout.

3. Payment Authorization

When you place an order, your payment method may be authorized or charged through our secure payment service providers. You confirm that:

• The billing and payment information you provide is accurate and complete.

• You are authorized to use the selected payment method.

• Sufficient funds or credit are available to complete the purchase.

An order confirmation acknowledges that we received your order. It does not prevent us from canceling or refunding an order if payment cannot be verified, the item is unavailable, the order appears fraudulent, or an obvious pricing or listing error occurred.

4. Payment Security

Our store is hosted on Shopify. Payments are processed through Shopify and supported third-party payment providers using their security controls. garzafathomcommerce.com does not directly store your complete payment card number or card security code. Payment providers may collect and process payment information under their own privacy policies and terms.

5. Failed or Declined Payments

If a payment is declined, verify your card details, billing address, available funds, and any security restrictions set by your bank. You may try another payment method shown at checkout or contact your card issuer. We cannot override a decline made by your bank or payment provider.

6. Fraud Review

To protect customers and the store, an order may be held briefly for payment or identity verification. We may contact you using the information supplied with the order. If verification cannot be completed, the order may be canceled and any captured payment will be returned to the original payment method.