Payment Policy
Effective Date: February 24, 2025
At Raticoolnie, we aim to provide a secure and seamless payment experience for all our customers. This Payment Policy outlines the accepted payment methods, billing process, and other important details related to payments.
1. Accepted Payment Methods
We accept the following payment options:
- Credit/Debit Cards (Visa, MasterCard, American Express, Discover)
- PayPal
- Apple Pay & Google Pay
- Shop Pay
- Bank Transfers (for bulk or special orders; contact us for details)
All payments must be made in USD ($). International customers are responsible for any currency conversion fees charged by their payment provider.
2. Payment Processing
- Payments are processed securely at the time of checkout.
- Your order will not be processed or shipped until full payment is received and verified.
- If a payment is declined, please check with your bank or payment provider before retrying.
3. Taxes & Fees
- Sales tax will be applied to orders based on local regulations and your shipping address.
- International customers are responsible for any customs duties, import taxes, or additional fees imposed by their country.
4. Refunds & Cancellations
- Orders can only be canceled or modified within 24 hours of purchase.
- Refunds will be issued according to our Refund & Return Policy.
- Refunds are processed to the original payment method and may take 5-10 business days to reflect in your account.
5. Payment Security
- We use SSL encryption and PCI-compliant payment gateways to protect your payment information.
- We do not store or have access to your full credit/debit card details.
- If you suspect fraudulent activity, please contact us immediately at info@raticoolnie.com.
6. Buy Now, Pay Later Options
- We may offer installment payment plans or “Buy Now, Pay Later” (BNPL) options through third-party providers. Availability depends on location and eligibility.
- Terms and conditions for installment payments will be provided by the third-party service at checkout.
7. Chargebacks & Fraud Prevention
- We actively monitor for fraudulent transactions and may require additional verification for certain orders.
- Unauthorized chargebacks may result in account restrictions or legal action. If you have an issue with your order, please contact us first before disputing a charge.
8. Contact Us
For any payment-related inquiries, please reach out to us:
📍 Address: 7240 107th St #L30, Worth, Illinois
📞 Phone: (708) 361-0877
📧 Email: info@raticoolnie.com
🌐 Website: Raticoolnie