Payment Policy

At Little Willow Book House, we are committed to providing secure, convenient, and transparent payment options for all our customers. This Payment Policy outlines our accepted payment methods, security measures, and important information about transactions on our website.

1. Accepted Payment Methods

We accept the following payment methods through our secure Stripe payment processor:

All major credit and debit cards are accepted. Payment is processed in US Dollars (USD).

2. Payment Security

Stripe Payment Processing

We use Stripe as our payment processor. Stripe is certified as a PCI Service Provider Level 1, the highest level of certification available in the payments industry. This means:

• Your payment information is encrypted using industry-standard SSL (Secure Socket Layer) technology
• Your credit card details are transmitted directly to Stripe and never stored on our servers
• Stripe maintains the highest level of security compliance in the industry
• Your financial information is protected by advanced fraud detection systems
• All transactions are monitored for suspicious activity

3. Payment Authorization

When You Place an Order

When you submit an order on our website:

1. Your payment information is securely transmitted to Stripe
2. Stripe validates your payment method and checks for available funds
3. Your card is authorized for the full order amount
4. You receive an order confirmation email
5. The charge is processed and settled within 24-48 hours

Authorization Hold

When you place an order, an authorization hold is placed on your card for the order total. This is not an actual charge but a temporary hold to ensure funds are available. The actual charge is processed when your order is prepared for shipment.

4. Pricing and Currency

• Currency: All prices are listed in US Dollars (USD)
• Tax: Sales tax is calculated at checkout based on your shipping address where applicable
• Shipping: Standard shipping is FREE on all orders
• Price Accuracy: We make every effort to ensure pricing accuracy, but errors may occur

Pricing Errors

In the rare event of a pricing error:

• We will notify you before processing your order
• You will have the option to purchase at the correct price or cancel your order
• We reserve the right to cancel orders placed at incorrect prices
• Full refunds will be issued for cancelled orders due to pricing errors

5. Order Confirmation

After completing your purchase, you will receive:

1. Immediate Order Confirmation: An email confirming your order details and payment
2. Shipping Confirmation: An email with tracking information when your order ships
3. Order Receipt: A detailed receipt for your records

6. Failed Payments

Common Reasons for Payment Failure

• Insufficient funds in the account
• Incorrect card details entered
• Card has expired
• Billing address doesn't match card records
• Card issuer declined the transaction
• Daily transaction limit exceeded

What to Do If Your Payment Fails

1. Verify your card details are correct
2. Check with your bank or card issuer
3. Try a different payment method
4. Contact us at beulape91782@gmail.com for assistance

Orders with failed payments will not be processed. You will need to place a new order once payment issues are resolved.

7. Refunds and Chargebacks

Refund Processing

Approved refunds are processed back to your original payment method:

Chargebacks

We encourage you to contact us directly before initiating a chargeback. Chargebacks:

• Can take significantly longer than our standard refund process
• May result in additional fees from your bank
• Can be avoided by working directly with us to resolve issues

If you believe there was an unauthorized charge, please contact us immediately at beulape91782@gmail.com.

8. Pre-Authorization and Pending Charges

You may see a pending charge on your account before your order ships. This is normal and occurs because:

• We pre-authorize your card to ensure payment availability
• The authorization verifies your account has sufficient funds
• The actual charge posts when your order is shipped
• If an order is cancelled, the authorization will drop off (typically 3-7 days)

9. International Payments

For international customers:

• All prices are in US Dollars (USD)
• Your bank may charge currency conversion fees
• You are responsible for any customs duties or import taxes
• International transaction fees may apply from your card issuer
• Exchange rates are determined by your bank, not Little Willow Book House

10. Payment Disputes

If you have a question or concern about a charge:

1. Check your order confirmation email for charge details
2. Review our Refund and Returns Policy
3. Contact us at beulape91782@gmail.com with your order number
4. We will investigate and respond within 2 business days

11. Fraud Prevention

To protect both our customers and our business, we employ fraud prevention measures:

• Advanced fraud detection systems through Stripe
• Address verification for all orders
• CVV verification for card transactions
• Monitoring for suspicious transaction patterns
• Right to request additional verification for large or unusual orders

We may contact you to verify order details if our system flags a transaction. This is for your protection and helps prevent fraudulent use of payment cards.

12. Subscription and Recurring Payments

Currently, Little Willow Book House does not offer subscription services or recurring payment options. All purchases are one-time transactions.

13. Gift Cards and Store Credit

Information about gift cards and store credit:

• Gift cards can be purchased and redeemed on our website
• Gift cards do not expire
• Gift cards are non-refundable
• Store credit from returns can be applied to future purchases
• Multiple payment methods can be used in a single transaction

14. Payment Information Updates

To update payment information for an existing order:

• Contact us immediately if you need to change payment details
• Updates can only be made before the order ships
• Once shipped, standard return and refund policies apply