At Mindy Clark, we prioritize secure, transparent, and convenient payment experiences for our customers. This Payment Policy outlines our accepted payment methods, currency rules, authorization processes, and refund procedures. By placing an order with us, you acknowledge and agree to the terms below.
1. Accepted Payment Methods
We welcome payments via major credit and debit cards for all orders placed on our website, including:
- Visa
- Mastercard
- American Express
All transactions are securely processed through a trusted third-party payment provider that adheres to industry-leading security standards. For your protection, we do not store complete credit or debit card numbers on our internal servers—this sensitive information is managed exclusively by our payment processor.
2. Currencies
To ensure pricing clarity and predictability, the final charge currency at checkout is strictly tied to your shipping destination, regardless of other display settings:
- Orders shipped to addresses within the United States: All products are priced and charged in U.S. Dollars (USD).
- Orders shipped to addresses within Canada: All products are priced and charged in Canadian Dollars (CAD).
The currency selector feature at the top of our website is provided only for preview purposes. It allows you to estimate costs in your preferred currency but does not affect the final charge currency, which will always align with the shipping country as outlined above.
If your payment card is issued in a country or currency different from the final charge currency, your card issuer may apply an exchange rate and/or a foreign transaction fee. These fees are determined solely by your bank or card issuer and are not charged, controlled, or retained by us.
3. Authorizations & Charges
When you submit an order, your bank or card issuer may place a temporary authorization hold on your card for the full order amount. This hold is not a formal charge—it simply verifies that sufficient funds or credit are available to complete the transaction.
The actual charge to your card will only be processed once your order is confirmed and prepared for shipping. The temporary authorization hold will be lifted once the final charge is processed.
If a payment is declined or flagged for security review (e.g., due to suspicious activity, mismatched billing information, or insufficient funds), we will contact you promptly via email or phone to verify details and resolve the issue. If we are unable to complete the necessary verification or resolve the decline, we reserve the right to cancel the order to protect both you and our business from potential fraud.
4. Refunds
All approved refunds (in accordance with our Refund & Return Policy) will be credited back to the original payment method used at checkout. This ensures a secure and traceable refund process.
Once we initiate the refund (after confirming the eligibility of the returned item or resolving the issue), refunds typically reflect on your bank or card statement within 5–10 business days. Processing times may vary depending on your financial institution—some banks post refunds sooner, while others may require the full 10-day window. This timeline is determined by your bank’s internal procedures and is beyond our control.
5. Payment Inquiries
For any questions, concerns, or issues regarding payments, charges, authorization holds, or refunds, please contact our customer service team at
[email protected]. Our team will assist you promptly to resolve the matter.
