Payment Policy

Last updated: September 25, 2026

This Payment Policy describes how Lochcard ("we", "us", or "our") processes payments on lochcard.shop. By placing an order on our website, you agree to the terms outlined below.

Accepted Payment Methods

We accept the following payment methods:

• Visa
• Mastercard
• PayPal
• Apple Pay
• Google Pay
• Shop Pay

All payment methods are available at checkout. The availability of specific methods may vary depending on your location and order total.

Payment Processing

• All transactions are processed in USD.
• Payments are charged at the time of order placement.
• Your order will only be confirmed once payment has been successfully processed.
• We use industry-standard SSL/TLS encryption to protect your payment information during transmission.

Payment Security

Your security is our top priority:

• We do not store your full credit card or debit card details on our servers.
• All card payments are processed through PCI DSS-compliant payment service providers.
• We use tokenization and encryption technologies to ensure your payment data remains secure.
• We monitor transactions for suspicious activity and may contact you to verify a purchase.

Pricing & Currency

• All prices displayed on our website are in USD and include applicable taxes unless stated otherwise.
• The total amount charged will include the product price, any applicable taxes, and shipping costs as displayed at checkout.
• Exchange rates for international transactions are determined by your bank or card issuer and are beyond our control.

Failed & Declined Payments

If your payment is declined or fails:

• Your order will not be processed or shipped.
• No amount will be charged to your account.
• Please verify your payment details and try again, or use an alternative payment method.
• If the issue persists, contact your bank or payment provider for assistance.

Refunds & Chargebacks

• Refunds are processed to the original payment method used at the time of purchase.
• Refund processing typically takes 14 business days after approval, but may take additional time depending on your bank.
• For full details on returns and refund eligibility, please refer to our Refund & Return Policy.
• If you initiate a chargeback with your bank, we may provide transaction records to your payment provider. We encourage you to contact us first at help@lochcard.shop to resolve any issues.

Pre-Authorization & Holds

• Some payment methods may place a temporary authorization hold on your account to verify the payment method.
• This hold is released automatically if the transaction is not completed, typically within 3-5 business days.

Invoices

An order confirmation and digital invoice will be sent to your email address after each successful purchase. If you need a duplicate invoice, please contact us at help@lochcard.shop.

Contact Us

If you have any questions about our Payment Policy or experience any issues with a transaction, please contact us:

• Email: help@lochcard.shop
• Phone: +1 (615) 832-2557
• Address: 124 11th Ave N, 54614 Bangor, United States