Payment Policy for Raticoolnie

Effective Date: January 7, 2025

At Raticoolnie, we strive to make your shopping experience as seamless and secure as possible. This Payment Policy provides important information regarding the payment methods we accept, payment processing, and your responsibilities when making a purchase from our website.

By making a purchase through Raticoolnie.com, you agree to the terms and conditions of this Payment Policy.

1. Accepted Payment Methods

We offer a variety of secure payment options to ensure that your purchase is processed smoothly. You can use the following payment methods to complete your order:

  • Credit Cards: We accept all major credit cards, including:

    • Visa
    • MasterCard
    • American Express
    • Discover

  • Debit Cards: We accept debit cards that are supported by major payment networks such as Visa, MasterCard, and American Express.

  • PayPal: For your convenience, we also accept payments via PayPal. You can use your PayPal account or link a credit/debit card to complete your transaction.

  • Apple Pay & Google Pay: We accept payments via Apple Pay and Google Pay for customers using supported devices.

Please note that payment options may vary depending on your location or the specific promotional event. All payments will be processed in U.S. dollars (USD).

2. Payment Processing

  • Order Confirmation: Once you place an order, we will send you an email confirmation acknowledging that we have received your order. Please note that this does not constitute an acceptance of payment or the order itself.

  • Payment Authorization: When you provide your payment details, we will initiate a payment authorization process. Your payment will be authorized but not charged until your order is processed and shipped.

  • Payment Verification: In some cases, we may require additional verification to process your payment. This may include contacting you for more information or asking for proof of identity. If there is any issue with the payment, we will contact you directly.

  • Pre-Authorization Holds: For some payment methods, a pre-authorization hold may be placed on your account for the purchase amount. This is a temporary hold, and the funds will not be deducted until your order is processed and shipped.

  • Payment Confirmation: When your order is shipped, your payment will be processed, and you will receive a final receipt and an email with tracking details.

3. Payment Security

At Raticoolnie, the security of your payment information is our top priority. We use advanced encryption methods to protect your personal and payment data throughout the transaction process. All payments are processed through secure, PCI-compliant payment gateways.

We do not store your full credit card information. Your payment details are securely handled by trusted third-party processors, such as PayPal and Stripe, to ensure the highest level of security.

4. Taxes and Fees

  • Sales Tax: Depending on your location, sales tax may be applied to your order at checkout. Sales tax is determined by your state or local jurisdiction and is calculated based on the total amount of your order, including shipping and handling fees. If applicable, the tax amount will be displayed during checkout.

  • Customs Duties and Taxes (for International Orders): For customers ordering from outside the United States, please note that your order may be subject to additional customs duties, taxes, and fees upon arrival in your country. These charges are your responsibility and are not included in the purchase price or shipping fees. Please check with your local customs office for more information on potential charges before placing your order.

5. Order Cancellations and Modifications

Once an order is placed and payment has been processed, it is generally final. However, if you wish to cancel or modify your order, please contact us immediately at info@raticoolnie.com or (708) 361-0877. If your order has not yet been processed or shipped, we will do our best to accommodate your request. Once an order is in the shipping process, it cannot be canceled or modified, but you can initiate a return once the order arrives.

6. Payment Declines and Errors

If your payment is declined or there is an issue processing your payment, we will notify you via email. It is important that you review your payment information and ensure that sufficient funds or credit are available. You may also want to check with your bank or payment provider for any issues.

We reserve the right to cancel or hold orders if there are issues with payment processing, such as:

  • Insufficient funds or payment failures.
  • Suspected fraudulent activity.
  • Billing address discrepancies.

If any of the above issues occur, we will work with you to resolve the situation or offer you an alternative payment method.

7. Refunds and Chargebacks

In the event that a refund is requested or required, refunds will be issued to the original payment method used for the purchase. Please refer to our Refund and Returns Policy for details on how refunds are processed.

  • Chargebacks: If you initiate a chargeback through your bank or credit card provider without first contacting us, we may refuse future orders and suspend your account. Chargebacks can delay refunds and may incur additional fees for both the customer and Raticoolnie.

8. Currency

All transactions on the Raticoolnie website are processed in U.S. dollars (USD). If you are making a purchase from outside the United States, your bank or payment provider may convert the amount to your local currency. Currency conversion fees and exchange rates are determined by your payment provider and are outside of our control.

9. Customer Support

If you have any questions or concerns regarding payment, billing, or your order, please don’t hesitate to reach out to our customer support team:

We are here to assist you and ensure that your shopping experience is enjoyable.

Thank you for shopping at Raticoolnie. We value your business and are committed to providing you with a secure and convenient shopping experience.

For more information, visit our website: www.raticoolnie.com.