1. Accepted Payment Methods

The payment methods currently available for your order will appear during Shopify checkout.

Depending on availability, options may include:

• Major credit cards
• Major debit cards
• Shop Pay
• Supported digital wallets
• Other payment methods displayed during checkout

A payment method should be considered accepted only when it appears as an available option during your checkout session.

2. Secure Payment Processing

Our online store is hosted by Shopify. Payments are processed through Shopify and authorized third-party payment providers.

Checkout pages use an encrypted SSL/TLS connection to help protect information transmitted between your browser and the payment system.

Tales & Terrors generally does not directly receive or store your complete payment-card number, card security code, or complete digital-wallet credentials.

Payment information is handled by the applicable payment provider according to its own security, privacy, and transaction-processing practices.

3. Currency

Unless the website or checkout clearly states otherwise, prices and payments are displayed and processed in United States dollars (USD).

If your bank account or payment method uses another currency, your bank or payment provider may convert the transaction and charge a currency-conversion or foreign-transaction fee.

Tales & Terrors does not control exchange rates or fees charged by a customer’s bank, card issuer, or payment provider.

4. Payment Authorization

When you submit an order, your payment provider may authorize the transaction before the payment is fully captured or settled.

By submitting payment information, you represent that:

• You are authorized to use the selected payment method.
• The billing name and address are accurate and correspond with the payment account.
• The payment is not fraudulent, unauthorized, or unlawful.
• Sufficient funds or credit are available to complete the purchase.

An order-confirmation email acknowledges receipt of the order. It does not necessarily mean the transaction has completed every payment, fraud-prevention, and fulfillment review.

5. Pending and Duplicate Authorizations

A failed, canceled, or incomplete checkout attempt may occasionally result in a temporary pending authorization on your account.

A pending authorization is not always a completed charge. Your card issuer or financial institution controls when an unused authorization is removed.

If you believe you were charged more than once, first review whether the transactions are pending authorizations or completed charges. Contact your bank for additional details and contact us if multiple completed charges are associated with the same order.

6. Failed or Declined Payments

A payment may be declined for several reasons, including:

• Incorrect card or account information
• A billing-address mismatch
• Insufficient funds or available credit
• An expired payment card
• A card-issuer security restriction
• An unsupported payment type or location
• A payment-provider technical issue
• A fraud-prevention review

For your privacy and security, Tales & Terrors may not receive the specific reason a payment was declined.

Verify the entered information, try another available payment method, or contact your bank or payment provider for assistance.

7. Billing Information

The billing information entered during checkout should match the information associated with your selected payment method.

Please verify:

• Cardholder or account-holder name
• Billing street address
• City, state, and ZIP code
• Card expiration date
• Available security or verification information

Incorrect or incomplete billing information may cause a payment to fail, delay order processing, or result in order cancellation.

8. Order Review and Fraud Prevention

Orders may be reviewed to help identify unauthorized payments, identity theft, account compromise, resale abuse, and other suspicious activity.

During a review, we may request reasonable verification, such as:

• Confirmation of order details
• Confirmation of billing or shipping information
• Verification through the payment provider
• Additional information reasonably necessary to verify the order

We will not ask you to send a complete payment-card number, card security code, password, or other credential by ordinary email.

If an order cannot be reasonably verified, we may cancel it and refund any captured payment to the original payment method.

9. Sales Tax

Applicable sales tax is calculated during checkout based on factors that may include:

• The product purchased
• The shipping destination
• The billing information
• Applicable state and local tax requirements

The tax amount is displayed before you submit the order.

If you believe a tax calculation is incorrect, contact us before completing checkout whenever possible.

10. Discounts and Promotional Codes

Promotional codes must be entered during checkout before the order is submitted.

Unless expressly stated otherwise:

• Only one promotional code may be used per order.
• Discounts cannot be added after checkout.
• Promotional codes have no cash value.
• Promotions may exclude specific products.
• Promotions may not be combined.
• Expired codes will not be accepted.

If a discount is applied incorrectly because of a material technical or pricing error, we may contact you before fulfillment or cancel the affected transaction and provide an appropriate refund.

11. Gift Cards

If Tales & Terrors gift cards are available, they may be used only according to the conditions displayed at purchase.

Gift cards are not redeemable for cash except where required by applicable law.

Protect gift-card codes as you would cash. Tales & Terrors is not responsible for unauthorized use of a code that was disclosed, transferred, or obtained through customer account compromise.

12. Installment and Buy-Now-Pay-Later Services

If an installment or buy-now-pay-later service is offered during checkout, eligibility, approval, repayment, fees, and account management are determined by that provider.

Tales & Terrors does not guarantee approval and does not control the provider’s credit decision, repayment schedule, late fees, or account restrictions.

Review the provider’s terms carefully before selecting an installment option.

13. Preorder Payments

Payment for a preorder may be authorized or collected at the time the preorder is placed.

A preorder does not ship until the product becomes available, is eligible for release, and completes our processing procedure.

Manufacturer, publisher, or distributor release dates may change. Any available cancellation or refund rights are described in our Refund and Return Policy and applicable law.

14. Refunds

Approved refunds are issued to the original payment method used for the order.

Unless otherwise required by law, a refund cannot be redirected to a different card, bank account, digital wallet, or payment method.

We normally initiate an approved refund within five business days after approval or completion of an applicable return inspection.

Your bank, card issuer, or payment provider may require additional time to post the refund. This additional processing time is outside our control.

15. Canceled Orders

If a paid order is canceled before fulfillment, the applicable amount will be refunded to the original payment method.

A canceled authorization may continue appearing as pending until your bank or payment provider releases it.

Once an order has shipped, it generally cannot be canceled. An eligible return may be requested after delivery under our Refund and Return Policy.

16. Chargebacks and Payment Disputes

If you recognize the transaction but have a concern with the order, please contact us before opening a chargeback or payment dispute.

We want the opportunity to review:

• Incorrect or damaged products
• Shipping and tracking questions
• Cancellation requests
• Returns and refunds
• Duplicate completed charges
• Other legitimate order concerns

Opening a payment dispute does not create additional return rights and does not replace the need to return a product when a return is otherwise required.

Nothing in this section limits your lawful right to dispute an unauthorized or improperly charged transaction.

17. Payment Privacy

Information about how Tales & Terrors, Shopify, and authorized providers process personal information is available in our Privacy Policy.

Payment providers may process information according to their own privacy policies and legal obligations.

18. Contact Us

For questions about a charge, refund, payment status, or existing order, contact:

Include your full name and order number. Do not send your complete card number, card security code, account password, or digital-wallet credentials by email.