1. PAYMENT TERMS & ORDER INITIATION

Full payment is required before any order can be officially processed, custom-manufactured, or shipped. We accept major secure payment methods to accommodate our customers across the United States, including:

• Credit and Debit Cards: Including Visa, Mastercard, American Express, and Discover.
• Digital Wallets: PayPal (Express Checkout).

Once an order is placed, a standard automated payment authorization check is performed by our financial partners to ensure sufficient funds and prevent fraudulent transactions. Your selected payment method will be charged immediately upon authorization approval.

Production and order preparation begin only after payment has been successfully confirmed. Once your order has been dispatched and a shipping confirmation email is sent, the payment is considered final for the items included in that shipment.

2. SECURE CHECKOUT & PROCESSING

To complete your purchase, click the “Proceed to Checkout” or “PayPal Checkout” button on our website. You will be securely redirected to our encrypted payment gateway to finalize the transaction.

For PayPal transactions, the charge may appear on your bank or credit card statement under the name PAYPAL *URBANCHICSTYLE. All payments are processed through third-party, PCI-DSS compliant providers to ensure your sensitive data is never exposed.

3. REFUND METHODOLOGY

All approved refunds are issued strictly to the original payment method used during the initial checkout. Whether you paid via a specific credit card or a PayPal account, the funds will be returned to that exact source.

This protocol is in place to comply with anti-money laundering regulations and to provide the highest level of financial security for our customers. For detailed timelines on credit reversals, please refer to our Refund Processing & Terms page.

4. DATA PROTECTION & PCI COMPLIANCE

Urbanchicstyle does not process, see, or store your full credit card details on our local servers.

All sensitive payment information is handled directly by secure third-party payment providers (such as Stripe or PayPal) using 128-bit SSL encryption. No payment data is shared with unauthorized parties, and our staff only has access to truncated information (e.g., the last 4 digits of a card) for order verification purposes.