Payment Policy

Effective Date: January 3, 2025

At SwiftHato, we strive to offer a seamless, secure, and convenient shopping experience for our customers. This Payment Policy outlines the methods of payment we accept, payment processing, and related terms to ensure that your transactions are handled securely.

1. Accepted Payment Methods

We accept the following payment methods for all purchases made on our website or in-store:

  • Credit Cards: Visa, MasterCard, American Express, Discover
  • Debit Cards: Major debit cards with Visa or MasterCard logo
  • PayPal: Secure online payment option for customers who prefer to use their PayPal accounts
  • Other Payment Methods: We may accept additional payment methods as indicated on our website during checkout (e.g., Apple Pay, Google Pay, etc.)

2. Payment Processing

  • Security: All payments are processed through secure, PCI-compliant third-party payment gateways. We use encryption technologies to safeguard your payment information, ensuring your personal and financial data remains protected.
  • Transaction Authorization: By submitting an order, you authorize us to charge the total amount for your purchase, including applicable taxes, shipping fees, and any additional charges, to the selected payment method.
  • Payment Confirmation: Once your payment is successfully processed, you will receive an order confirmation email containing the details of your purchase.

3. Payment Issues

  • Declined Payments: If your payment is declined, you will receive an error message during checkout. In this case, we recommend checking your payment details or using an alternative payment method. If issues persist, please contact your bank or payment provider for further assistance.
  • Payment Errors: If we detect an issue with your payment, such as a technical error or an incorrect payment amount, we will notify you immediately. We reserve the right to cancel or modify the order until payment is successfully completed.

4. Taxes and Additional Fees

  • Sales Tax: Sales tax will be applied to your order based on your shipping address, in accordance with local and state tax laws. The applicable tax amount will be calculated during checkout and added to your total.
  • Shipping Fees: Shipping fees are calculated during checkout based on your location and the size of the order. We offer various shipping options, and the final shipping cost will be displayed before you complete your payment.
  • Custom Fees or Duties: For international customers (if applicable), any customs fees, duties, or import taxes are the responsibility of the buyer. SwiftHato is not responsible for any additional charges that may be imposed by customs authorities.

5. Order Changes and Cancellations

  • Order Modifications: If you need to modify your order after payment has been processed (e.g., change delivery address, update items), please contact us as soon as possible. Once an order is processed and shipped, we cannot modify it.
  • Order Cancellations: You may cancel your order before it has been processed or shipped by contacting us immediately. If the order has already been processed or shipped, our Refund and Returns Policy will apply.

6. Payment Security

  • Data Protection: We are committed to protecting your payment information. All transactions are encrypted and processed using secure methods. We do not store your credit card details on our servers. Payments are handled through trusted third-party payment processors to ensure maximum security.
  • Fraud Prevention: To prevent fraud, we may take additional verification steps during the payment process. This may include verifying your billing address or contacting you for further information if suspicious activity is detected.

7. Subscription or Recurring Payments (if applicable)

For any subscriptions or recurring payments (such as plant delivery services or ongoing landscaping services), you agree to be billed automatically according to the agreed-upon schedule (e.g., monthly, quarterly, etc.). You may cancel or modify your subscription by contacting us at least 5 business days before the next payment date.

8. Currency

All payments are processed in U.S. dollars (USD). If you are purchasing from outside the United States, your payment provider may convert the amount into your local currency at the applicable exchange rate, and additional fees may apply.

9. Payment Disputes

  • Chargebacks: If you dispute a payment or initiate a chargeback through your bank or payment provider, we reserve the right to suspend or cancel your account and any related orders. We will work with you to resolve any issues, but we encourage you to contact our customer service team directly before taking action with your payment provider.

  • Dispute Resolution: If there is any dispute regarding a payment or transaction, we encourage you to contact our customer support team to resolve the matter quickly and amicably. If needed, we may follow the dispute resolution process outlined in our Terms and Conditions.

10. Customer Support

If you have any questions about payment methods, billing, or issues with your payment, please contact our customer service team:

SwiftHato
Po Box 631, Sugar Grove, Illinois
Phone: (630) 466-7396
Email: info@swifthato.com