Payment Policy

Effective Date: January 14, 2025

Address: 316 Gandy Street, Canton, New York, United States

Phone Number: 315-273-0562

Introduction

Welcome to Picturebano! Our Payment Policy is designed to provide you with a clear and comprehensive understanding of how we handle payments for products and services purchased through our website, https://picturebano.com. This policy applies to all transactions made on our website and is an integral part of our commitment to providing a secure and transparent shopping experience. By making a purchase from Picturebano, you acknowledge that you have read, understood, and agree to be bound by this Payment Policy. We are committed to ensuring a smooth and secure payment process for our valued customers. This policy is intended to protect both Picturebano and our customers, and we strongly recommend you read through this document carefully before placing an order.

1. Accepted Payment Methods

Picturebano strives to offer a variety of convenient and secure payment options to meet your needs. We currently accept the following payment methods:

1.1. Credit Cards: We accept major credit cards, including:
* Visa
* Mastercard
* American Express
* Discover

1.2. Debit Cards: We accept debit cards bearing the Visa or Mastercard logo. Please ensure that your debit card is enabled for online purchases.

1.3. Digital Wallets:
* We may support digital wallet payment options such as PayPal, Apple Pay, Google Pay, and other similar services. Availability may vary by region and may be updated from time to time.
* If paying via Digital Wallet, please ensure that the billing details associated with your Digital Wallet account are accurate.

1.4. Other Payment Methods:

From time to time, we may introduce new payment methods to provide more flexibility for our customers. We will update this policy and our website with any additional methods as they become available.

2. Payment Processing

2.1. Secure Transactions: Picturebano utilizes secure and reputable third-party payment processors to handle all payment transactions. These payment processors use industry-standard encryption technologies to ensure that your payment information is transmitted and stored securely. We are committed to maintaining the highest levels of data security and will continually review and update our processes.

2.2. Payment Authorization: When you place an order, our payment system will perform a pre-authorization on your chosen payment method. This pre-authorization temporarily reserves the funds necessary to cover the cost of your purchase. Please note that this is not a charge, but simply an authorization to ensure that sufficient funds are available. The actual charge will only be processed when your order is accepted and ready to ship.

2.3. Payment Confirmation: Once your payment has been authorized, you will receive an order confirmation email from us. This email confirms that we have received your order and payment information. If you do not receive a confirmation email, please contact our customer service department to verify that your order has been successfully processed.

2.4. Payment Verification: For security reasons, we may require additional verification of your payment information. This may include contacting you by phone or email to confirm the details of your transaction. We appreciate your cooperation during this verification process.

2.5. Charge Timing: Your payment method will be charged when your order is accepted and processed for shipment. Please note that there might be a slight delay between the time of shipment and when the actual charge appears on your account statement, depending on your financial institution’s processing times.

2.6. Currency: All prices listed on our website are in US Dollars (USD). If you are paying from a different country with a different currency, your payment provider will perform the currency conversion. You may be charged a currency conversion fee by your financial institution. Picturebano is not responsible for these fees.

3. Pricing and Taxes

3.1. Pricing Accuracy: We strive to ensure that all prices listed on our website are accurate and up to date. However, errors may occasionally occur. If a product is listed at an incorrect price due to an error, we reserve the right to refuse or cancel any orders placed at the incorrect price. We will contact you promptly to inform you of the correct price and provide you with the option to proceed with the order at the corrected price or cancel your order and receive a full refund.

3.2. Sales Taxes: Applicable sales taxes will be added to your order based on the shipping address. The exact sales tax rate will be calculated at checkout and displayed before you finalize your purchase. You are responsible for paying all applicable taxes and duties associated with your purchase.

3.3. Promotion and Discounts: From time to time, we may offer discounts, promotions, and special pricing on specific products or categories. These offers are subject to specific terms and conditions, which will be clearly stated at the time of the promotion. Please be aware that promotional pricing may not be combined with other offers or discounts.

3.4. Price Changes: Prices of our products are subject to change without prior notice. However, any such price changes will not affect confirmed orders. The price of the products at the time of your order confirmation is the price you will be charged.

4. Payment Issues and Declined Payments

4.1. Insufficient Funds: If your payment is declined due to insufficient funds, you will be notified promptly, and your order will not be processed until sufficient funds are available or an alternative payment method is provided.

4.2. Incorrect Payment Information: If your payment is declined due to incorrect payment information, you must update your billing details and attempt the transaction again. You are responsible for ensuring that the payment information provided is accurate and valid.

4.3. Fraudulent Transactions: Picturebano reserves the right to cancel any orders suspected to be fraudulent or unauthorized. We may request additional verification of your identity or payment information to protect our customers and our business from fraudulent activities. We will cooperate fully with law enforcement agencies if we suspect any illegal activities.

4.4. Payment Errors: If you believe that an error has occurred in the processing of your payment, you must contact our customer service department immediately. We will investigate the matter promptly and take the appropriate actions.

4.5. Chargebacks: If you initiate a chargeback with your payment provider without first attempting to resolve the issue with our customer service, we reserve the right to suspend or terminate your account, and we may pursue any legal action to recover any funds owed to us.

5. Payment Security

5.1. Secure Connections: Our website employs SSL (Secure Socket Layer) technology to ensure that all data transmitted between your computer and our server is encrypted.

5.2. PCI Compliance: We are committed to ensuring that all payment data is processed in compliance with the Payment Card Industry Data Security Standard (PCI DSS).

5.3. Data Protection: We do not store your full credit card details. We utilize secure third-party payment processors who are PCI-compliant to handle your payment information.

5.4. Best Practices: We continuously monitor and update our security measures to stay ahead of emerging threats and to protect your payment information to the greatest extent possible.

6. Billing Information

6.1. Accuracy of Information: You are responsible for ensuring that all billing information you provide is accurate, complete, and current. This includes your name, billing address, and payment card details. Incorrect information may lead to delays in processing your order or cancellation of your order.

6.2. Billing Address Verification: We may perform a billing address verification with your payment provider to help prevent fraudulent transactions. If your billing address is inconsistent with the information on file with your payment provider, your order may be put on hold or canceled.

6.3. Updating Billing Information: You can update your billing information in your account settings. We encourage you to keep your billing details accurate and up to date.

7. Payment Disputes

7.1. Contact Us First: If you have any questions or concerns about a payment transaction, please contact our customer service department first. We are here to help and will do our best to resolve any issues promptly and efficiently.

7.2. Dispute Resolution: If you are unable to resolve a payment issue with our customer service team, you may contact your payment provider to initiate a dispute resolution process. However, we encourage you to contact us first to give us an opportunity to resolve the issue.

8. Changes to this Payment Policy

Picturebano reserves the right to modify this Payment Policy at any time. We will post any changes on our website, and such changes will be effective immediately upon posting. You are responsible for reviewing this Payment Policy regularly.

9. Contact Information

If you have any questions or concerns regarding this Payment Policy, please contact us at:

Picturebano

316 Gandy Street, Canton, New York, United States

Phone: 315-273-0562

Email: info@picturebano.com

Website: https://picturebano.com

Payment Policy

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