Payment Policy for Conarnie Electronics Store
Effective Date: January 4, 2025

At Conarnie Electronics, we aim to provide a secure and seamless shopping experience for all of our customers. This Payment Policy outlines the terms and conditions regarding the processing of payments for products purchased from our website https://conarnie.com. By making a purchase from our site, you agree to abide by the terms outlined in this policy.

1. Accepted Payment Methods

We offer a variety of secure payment options to provide you with convenience and flexibility when completing your purchase. The following payment methods are accepted:

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

    • Visa
    • MasterCard
    • American Express
    • Discover

  • PayPal:
    You can pay directly using your PayPal account.

  • Apple Pay:
    We accept Apple Pay for eligible customers. If you are shopping on a mobile device, this option will be available at checkout.

  • Gift Cards:
    If you have a Conarnie gift card, you can use it as a payment method. The gift card value will be deducted from the total cost of your order.

  • Other Payment Methods:
    Depending on your location and the available payment gateways, additional payment options may be available during checkout.

2. Payment Processing

2.1 Secure Payment Gateway

All transactions on our website are processed through a secure payment gateway to protect your sensitive financial information. We use industry-standard encryption to safeguard your payment data and ensure your privacy and security during the checkout process.

2.2 Authorization and Payment Capture

Once you enter your payment details and submit your order, your payment will be authorized by your bank or payment provider. After the payment is authorized, the funds will be captured and charged to your account. The amount will be deducted from your payment method immediately.

2.3 Payment Confirmation

Once your payment is successfully processed, you will receive an order confirmation email with your payment receipt and order details. If your payment is declined or fails for any reason, we will notify you immediately via email, and you will be asked to provide an alternative payment method.

3. Billing Information

When you make a purchase, you are required to provide accurate and complete billing information, including:

  • Name
  • Billing address (matching the address on file with your payment method)
  • Payment method details (card number, expiration date, and security code, or PayPal account details)
  • Contact information (email address and phone number)

You agree to provide true and correct information, and it is your responsibility to keep your billing information up-to-date. We reserve the right to cancel or reject any order if the billing information provided cannot be verified or if there is a suspicion of fraud.

4. Taxes

The price of the products you order may be subject to sales tax or value-added tax (VAT), depending on the shipping address and local tax laws. Sales tax will be calculated and displayed during the checkout process.

For international customers, customs duties, import taxes, and other fees may apply upon delivery. These charges are the responsibility of the customer and are not included in the product price or shipping fees. Please check with your local customs office for more details about these charges before placing an international order.

5. Payment Errors and Issues

5.1 Declined Payments

If your payment is declined, we will notify you immediately and request an alternative payment method. Common reasons for declined payments include:

  • Insufficient funds in your account
  • Incorrect payment details (e.g., wrong card number, expiration date)
  • Payment provider issues (e.g., PayPal account or credit card block)

You are responsible for resolving any payment issues with your bank or payment provider.

5.2 Order Cancellation Due to Payment Issues

If we are unable to process your payment or if there are issues with your payment method, we reserve the right to cancel your order. We will notify you via email if this occurs, and you will be advised to choose another payment method to complete the order.

6. Payment Fraud Prevention

We take the security of your personal and payment information seriously. In an effort to protect against fraudulent activity, we may use additional verification methods, including:

  • Address Verification System (AVS) to check if the billing address matches the information on file with your payment provider.
  • 3D Secure (3DS) for credit and debit card transactions, which adds an extra layer of security by requiring you to verify the transaction with your bank or card issuer.

If we detect unusual or suspicious activity regarding your payment, we reserve the right to delay or cancel your order. In such cases, you may be required to provide additional documentation to verify your identity and payment method.

7. Refunds and Adjustments

For details on how refunds are processed, please refer to our Refund and Returns Policy. If you are eligible for a refund, it will be processed back to the original payment method. Please note that it may take several business days for the refund to appear in your account, depending on your payment provider.

8. Payment Security

To ensure that your payment information is protected, we use secure payment technology and encryption protocols:

  • SSL Encryption: All sensitive data, including payment details, is transmitted through Secure Socket Layer (SSL) encryption, which protects your information from unauthorized access.
  • PCI-DSS Compliance: Our payment processing systems comply with the Payment Card Industry Data Security Standard (PCI-DSS), a set of security standards designed to protect credit card information during and after a transaction.

We do not store your credit card details or sensitive payment information on our servers.

9. Currency

All prices on our website are listed in U.S. Dollars (USD). For international orders, your bank or payment provider may convert the amount to your local currency based on the exchange rate. Please note that exchange rate fluctuations may affect the final amount charged to your payment method.

10. Contact Us

If you have any questions or concerns about your payment or our Payment Policy, please contact our customer service team:

  • Email: info@conarnie.com
  • Phone: (207) 933-4280
  • Address: 314 Tillson Rd, Monmouth, Maine

For more information about our products or to make a purchase, please visit our website: https://conarnie.com.