Payment Policy

Payment Policy

We aim to make your checkout secure and transparent. Please review our payment terms.

Accepted Payment Methods

We accept the following forms of payment:

  • Credit/Debit Cards: Visa, MasterCard, American Express, Discover
  • Digital Wallets: PayPal

All transactions are in US Dollars (USD).

Pricing & Taxes

Prices displayed are exclusive of sales tax. Tax is calculated at checkout based on your shipping address and will be shown before you complete the order. We are required to collect sales tax in states where we have nexus.

Payment Security

Our site uses SSL encryption to protect your data during transmission. We do not store your full credit card number. Payment processing is handled by PCI-DSS Level 1 compliant gateways (Stripe and PayPal). Look for the padlock icon in your browser bar.

Billing Address

For credit card payments, the billing address you provide must match the address on file with your card issuer. A mismatch may cause the transaction to be declined or flagged for review, delaying shipment.

Authorization & Capture

When you place an order, your payment method is authorized for the order total. The actual charge is captured only when your order is packed and ready to ship. PayPal payments are captured immediately.

Currency Conversion

If you are using a card issued outside the United States, your bank may apply a currency conversion fee or use its own exchange rate. We are not responsible for these additional charges.

Declined Payments

If your payment is declined, you will see an error message. Please verify your card details, ensure sufficient funds, or try a different payment method. We will not fulfill the order until a successful payment is processed.

Refund Processing

Once a refund is approved, the amount is returned to the original payment method. Credit card refunds typically appear within 3–5 business days, while PayPal refunds are usually instant. If you haven't received your refund after 10 business days, please contact us.

Payment Disputes

If you have a billing concern, please reach out to support@wiokjpa.com before filing a chargeback. We are committed to resolving issues quickly and fairly.