Payment Policy

This Payment Policy explains how payments are handled for purchases made through the Virginia Cole website. It applies to all transactions completed at checkout.

Accepted Payment Methods
Virginia Cole accepts the following payment methods at checkout:

• Visa
• Mastercard
• American Express
• Discover
• Diners Club
• Elo
• JCB
• UnionPay
• PayPal
• Shop Pay
• Apple Pay
• Google Pay

Currency
Payments are processed in the currency shown at checkout, United States dollar (USD).

If your bank or payment provider applies currency conversion fees, foreign transaction fees, or similar charges, those charges are your responsibility.

Payment Authorization
Payment must be successfully authorized before an order is processed.

Orders linked to failed, declined, reversed, or incomplete payments will not be processed or shipped.

In some cases, additional verification or review can be required before payment is accepted and the order is confirmed.

Pricing Transparency

• Product prices are displayed before checkout.
• No hidden charges are added after checkout.

Payment Processing and Security
Payments are processed securely through Shopify’s payment infrastructure and integrated third-party payment providers.

Security measures such as encryption, fraud screening, and transaction verification can be applied during checkout and payment processing.

Complete payment card details are not stored on our website servers.

While we apply reasonable payment security measures, no payment system or data transmission method can guarantee absolute security.

Fraud Prevention and Verification
Transactions can be reviewed for fraud prevention, security, or verification purposes.

If a transaction is identified as suspicious, high risk, unauthorized, or inconsistent with the information provided, the order will be delayed, held for review, canceled, or refunded.

Where necessary, we will request additional information or documentation to verify the transaction before processing the order.

Billing Information Accuracy
You are responsible for providing accurate, current, and complete billing and payment information at checkout.

Incorrect, incomplete, or unverifiable billing or payment details can result in payment failure, processing delays, or order cancellation.

Chargebacks, Payment Disputes, and Reversals
If you experience a payment issue, we encourage you to contact us before initiating a chargeback or payment dispute.

If a payment is reversed, disputed, or canceled after authorization or fulfilment, the associated order can be placed on hold, canceled, or reviewed in accordance with our Terms of Service.

Fraudulent or abusive chargebacks can result in restrictions on future orders.

Refunds
Refunds are governed by our Return and Refund Policy.

When approved, refunds are issued to the original payment method used for the purchase whenever possible.

Transparency and Agreement
By completing a purchase on our website, you confirm that:

• You have reviewed and accepted this Payment Policy
• This Payment Policy applies to your transaction
• We can update this Payment Policy when necessary, and the latest version will apply once published on this website