Payment Policy Effective Date: January 7, 2025 Address: 405 Oakland Ave, Hamlet, North Carolina (NC), United States

At DreamToPin, we are committed to providing secure, reliable, and transparent payment options to enhance your shopping experience. This Payment Policy outlines the accepted payment methods, processing details, and terms for transactions.

1. Accepted Payment Methods

We offer a variety of payment options for your convenience:

  • Credit and Debit Cards: Visa, MasterCard, American Express, Discover.

  • Digital Wallets: PayPal, Apple Pay, Google Pay.

  • Gift Cards and Store Credit: DreamToPin-issued gift cards and store credits can be applied during checkout.

2. Payment Security

Protecting your payment information is our top priority. Measures include:

  • PCI DSS Compliance: All payment processing adheres to industry-standard data security protocols.

  • SSL Encryption: Transactions are encrypted to ensure your financial data remains secure.

  • Fraud Prevention Tools: Advanced monitoring systems are used to detect and prevent unauthorized activities.

3. Payment Processing

a. Authorization

  • Payments are authorized at the time of purchase. Your financial institution may place a temporary hold on funds until the transaction is completed.

b. Confirmation

  • Customers receive an email confirmation upon successful payment, which includes order details and estimated delivery timelines.

c. Failed Payments

  • If a payment fails, customers will be notified and prompted to retry or use an alternate payment method.

4. Recurring Payments

For subscription-based services or recurring purchases:

  • Customers consent to automatic deductions from their selected payment method at each billing cycle.

  • Subscriptions can be managed or canceled through account settings or by contacting customer support.

5. Refunds and Chargebacks

Refund terms are governed by our Refund and Returns Policy. Highlights include:

  • Refunds are issued to the original payment method within 7-10 business days after approval.

  • Customers disputing a transaction are encouraged to contact DreamToPin at info@dreamtopin.com before initiating a chargeback to resolve the issue promptly.

6. Taxes and Additional Fees

a. Sales Tax

  • Sales tax is calculated based on the shipping address and displayed during checkout.

b. International Fees

  • International customers are responsible for customs duties, import taxes, and any additional charges imposed by their country.

7. Currency and Conversion Rates

  • All transactions are processed in USD. Customers paying in other currencies may incur conversion fees or fluctuations in exchange rates, determined by their financial institution.

8. Late or Missing Refunds

If you have not received a refund after the specified timeframe:

  • Check with your financial institution, as processing times may vary.

  • Contact DreamToPin at info@dreamtopin.com for further assistance.

9. Modifications and Adjustments

a. Order Modifications

  • Changes to an order, such as upgrading shipping or adding items, may result in additional charges.

b. Refund Adjustments

  • Partial refunds for returned items are issued based on the value of the item returned, excluding original shipping fees unless otherwise specified.

10. Customer Support for Payments

For payment-related inquiries, contact our support team:

  • Email: info@dreamtopin.com

  • Phone: (910) 582-4361

  • Address: 405 Oakland Ave, Hamlet, North Carolina (NC), United States

11. Amendments to Payment Policy

DreamToPin reserves the right to update this Payment Policy at any time. Changes will be posted on our website, and significant updates will be communicated via email. Continued use of our services constitutes acceptance of the revised terms.