Payment Policy

1. Overview

At City Fashions, we want your shopping experience to be as smooth and secure as possible. This Payment Policy outlines the payment methods we accept, how we process transactions, our pricing practices, and our refund and cancellation procedures. By placing an order on our website, you acknowledge that you have read, understood, and agree to this Payment Policy.

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2. Accepted Payment Methods

We accept the following payment methods for all orders:

• All payment methods are processed through Shopify's secure payment system.
• We do not accept cash on delivery (COD), personal checks, money orders, or wire transfers.
• Available payment options will be displayed at checkout.

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3. Payment Currency

• All prices on our website are listed and charged in US Dollars (USD).
• If your financial institution uses a different currency, the conversion will be performed by your bank or payment provider at their applicable exchange rate.
• We are not responsible for any currency conversion fees, foreign transaction fees, or additional charges imposed by your bank or payment provider.

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4. Payment Processing

4.1 Secure Payment Processing

• All payments are processed securely through Shopify's payment system.
• Your payment information is encrypted using industry-standard SSL (Secure Socket Layer) technology.
• We do not store your complete credit card information on our servers.
• All transactions are processed through PCI DSS (Payment Card Industry Data Security Standard) compliant payment processors.
• Your personal and payment information is protected in accordance with our Privacy Policy.

4.2 Payment Authorization

• By providing your payment information, you authorize us to charge the total order amount, including applicable taxes and shipping fees.
• Payment will be captured at the time of order placement or upon order confirmation.
• If payment is declined or cannot be processed, your order will not be confirmed, and you will not be charged.
• You represent and warrant that (i) the credit card or payment information you provide is true, correct, and complete, (ii) you are duly authorized to use the payment method for the purchase, (iii) charges incurred by you will be honored by your payment provider, and (iv) you will pay charges incurred by you at the posted prices, including all applicable taxes.

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5. Pricing and Order Total

5.1 Product Pricing

• All product prices are clearly displayed on our website and are listed in US Dollars (USD).
• Prices are subject to change without notice.
• The price charged for a product or service will be the price in effect at the time the order is placed and will be set out in your order confirmation email.
• We reserve the right to correct any pricing errors at any time without prior notice, including after an order has been submitted.

5.2 Order Total

Your final order total displayed at checkout will include:

The final order total will be displayed at checkout before you confirm payment.

5.3 Sales Tax

• Sales tax is calculated based on your shipping address and applicable state and local tax rates.
• Tax rates may vary depending on your delivery location.
• If you are tax-exempt, please contact us before placing your order with valid tax exemption documentation.

5.4 Promotions and Discounts

• We may offer promotions, discounts, or special offers from time to time.
• Promotional pricing is subject to the specific terms and conditions of each promotion.
• Unless otherwise stated, promotional offers cannot be combined with other discounts.
• We reserve the right to modify or cancel promotions at any time.

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6. Order Verification

• We may perform additional verification for orders that appear high-risk, unusual, or that require address confirmation.
• Orders may be held pending verification, which could add additional processing time.
• We reserve the right to cancel any order if verification fails or if suspicious activity is detected.
• If your order is cancelled, any authorized charges will be released back to your account.
• You will be notified via email if there are any issues with your order or payment verification.

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7. Payment Security

7.1 Fraud Prevention

• We employ advanced fraud detection and prevention systems to protect our customers and our business.
• All orders are reviewed for potential fraudulent activity.
• We reserve the right to request additional information or documentation to verify your identity before processing an order.
• If we are unable to verify your identity or detect suspicious activity, we may cancel your order and issue a full refund.

7.2 Data Protection

• Your personal and payment information is protected in accordance with our Privacy Policy.
• We never store your complete credit card or payment card information on our servers.
• We do not sell, trade, or share your payment information with third parties except as necessary to process your order.
• All payment processing is handled through Shopify's PCI DSS-compliant payment infrastructure.

For more information, please review our Privacy Policy.

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8. Order Cancellation

8.1 Cancellation by Customer

• If you need to cancel your order, please contact us as soon as possible at info@cityfashions.net with your order number.
• Orders may be cancelled within 24 hours of placement at no cost.
• We can only cancel orders that have not yet been processed for shipment.
• Once your order has been processed or shipped, cancellation is no longer available, and you may need to wait for delivery before initiating a return through our Return Policy.

8.2 Cancellation by City Fashions

We reserve the right to cancel any order for reasons including but not limited to:

• Product unavailability or stock errors
• Pricing errors or discrepancies
• Suspected fraudulent or unauthorized transactions
• Failed payment verification
• Shipping restrictions or address issues
• Orders that appear to be placed by bots or automated systems

If we cancel your order, you will receive a full refund to your original payment method, and you will be notified by email.

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9. Refunds

9.1 Refund Policy

• Refunds for returned items will be processed within 10 business days after we receive and inspect the returned item.
• Refunds will be credited to the original payment method used for the order.
• Return shipping is completely FREE for all eligible returns. We provide prepaid return shipping labels for your convenience.
• A full refund will be issued for the product price. Original shipping costs (if any) are non-refundable.

9.2 Refund Timeline

Note: The refund timeframe above begins after we have processed your refund. Please allow up to 10 business days for the refund to appear on your statement. Processing times may vary by financial institution, but we guarantee processing within 10 business days of refund approval.

9.3 Late or Missing Refunds

If you have not received your refund within the expected timeframe:

1. First, check your bank or credit card statement again.
2. Contact your bank or credit card company — there is often some processing time before a refund is officially posted.
3. If you have completed all of the above and still have not received your refund after 10 business days, please contact us at info@cityfashions.net.

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10. Failed Payments

If your payment fails or is declined, please verify your payment information and try again.

Common reasons for payment failure include:

• Insufficient funds
• Incorrect card number, expiration date, or CVV
• Card expiration
• Card issuer declining the transaction
• Billing address mismatch with the address on file with your card issuer
• Daily or transaction spending limits reached
• Temporary card hold or security freeze

If you continue to experience payment issues:

1. Try a different payment method.
2. Contact your bank or financial institution to inquire about the decline.
3. Contact us at info@cityfashions.net for assistance.

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11. Billing Information

• Your billing address must match the address on file with your card issuer or payment provider.
• We may verify your billing address with your payment provider as part of our fraud prevention measures.
• If your billing address does not match, your order may be delayed or cancelled.
• Please ensure that your billing and shipping information is accurate and up to date before placing your order.

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12. Contact Us

If you have any questions, concerns, or comments about our Payment Policy, please don't hesitate to contact our customer service team:

By placing an order on our website, you acknowledge that you have read, understood, and agree to this Payment Policy.