Payment Methods

At Nowheretowear, we provide clear and secure payment options so customers can review all applicable charges before completing a purchase.

This Payment Methods Policy explains the payment methods available through nowheretowear.com, how transactions are processed, how prices and shipping charges are displayed, and how refunds are returned.

This policy applies to eligible purchases made by customers in the United States and Canada.

Summary

1. Accepted Payment Methods

Nowheretowear accepts eligible credit and debit cards and PayPal for purchases made through nowheretowear.com.

The payment options displayed during checkout represent the payment methods currently available for the transaction.

Availability may vary depending on customer location, card issuer, payment provider, device, browser, and transaction eligibility.

2. Credit and Debit Cards

We accept eligible credit and debit cards operating through the following card networks:

• Visa
• Mastercard
• American Express
• Discover
• Diners Club
• Elo
• JCB
• UnionPay

Card availability may depend on the issuing bank, customer location, card type, and payment-processing eligibility.

3. PayPal Payments

Customers may also choose PayPal when the option is displayed during checkout.

When PayPal is selected, customers may be redirected to PayPal or shown a PayPal authentication window to complete the transaction securely.

PayPal transactions are subject to PayPal's applicable terms, authentication requirements, privacy practices, and eligibility rules.

4. United States Payments

Customers in the United States may complete eligible purchases using supported credit or debit cards or PayPal when these options are displayed at checkout.

Before submitting payment, customers should review:

• Order details
• Billing information
• Shipping address
• Shipping fee
• Final order total

Payment authorization is subject to the relevant card issuer or PayPal provider.

5. Canadian Payments

Customers in Canada may complete eligible purchases using supported credit or debit cards or PayPal when available.

Canadian customers should carefully review the final order total before authorizing payment.

Currency conversion or foreign transaction charges imposed independently by a card issuer, bank, or PayPal are governed by that provider's terms and are not charged by Nowheretowear.

6. Product Prices

Product prices are displayed on nowheretowear.com before checkout.

The product price applicable to an order is shown before payment is submitted.

Product prices include applicable tax as reflected by our current website pricing configuration.

Customers can review the total transaction amount before completing payment.

7. Shipping Charges

Our standard shipping fee is:

$6.99 per order

The applicable shipping charge is calculated and displayed during checkout before payment is submitted.

We do not intentionally add undisclosed shipping or handling charges after checkout has been completed.

8. Taxes

Applicable tax is included in product pricing as presented on our website.

The applicable order amount is displayed before the customer completes payment.

Where tax treatment is affected by destination or mandatory law, the checkout amount and applicable legal requirements govern the transaction.

9. Order Total

Before authorizing payment, customers can review applicable charges, which may include:

• Product price
• Product quantity
• Applicable discounts
• Shipping fee
• Tax treatment
• Final order total

Customers should verify the order total before completing payment.

10. No Hidden Payment Fees

Nowheretowear does not charge a separate standard payment-processing fee for using an accepted credit/debit card or PayPal.

We do not intentionally impose undisclosed mandatory payment charges after checkout.

Payment-processing fee charged by Nowheretowear: $0

A bank, card issuer, PayPal, or other financial service provider may independently apply fees under its agreement with the customer. Such third-party charges are not controlled by Nowheretowear.

11. Payment Authorization

When an order is submitted, the selected payment method may be sent for authorization.

Authorization may be declined because of:

• Insufficient funds or available credit
• Incorrect payment information
• Expired card
• Billing information mismatch
• Card issuer restrictions
• PayPal account restrictions
• Authentication failure
• Fraud-prevention controls

If payment authorization fails, the order may not be completed.

12. Payment Verification

Certain transactions may require additional verification for security or fraud-prevention purposes.

• Payment authorization
• Billing information
• Shipping information
• Customer identity
• Transaction details

If required verification cannot be completed, the transaction may be delayed, declined, or cancelled.

13. Payment Security

Payments are processed through secure checkout technologies and supported payment providers.

Customers should enter card or PayPal payment information only through the authorized checkout process.

For security reasons, customers should never send full card numbers, card security codes, PayPal passwords, authentication codes, or other sensitive payment credentials by email.

14. Payment Information

Payment information may be processed by secure third-party payment providers and applicable card networks.

Nowheretowear generally does not need to directly store full payment card numbers or PayPal passwords for ordinary order processing.

Payment providers process payment-related information according to their own applicable security, privacy, and transaction requirements.

15. When Payment Is Charged

Payment may be authorized or captured as part of checkout and order processing.

The exact timing may depend on the selected payment method and provider.

Customers should review their order confirmation and payment-provider account for transaction status.

16. Pending Payments

A card or PayPal payment may temporarily appear as pending or authorized while the transaction is being processed.

A pending authorization does not necessarily mean that the customer has been charged more than once.

The bank, card issuer, or payment provider determines when a temporary authorization is finalized or released.

17. Failed Payments

If a payment fails, customers may:

• Verify payment information
• Check the billing address
• Confirm sufficient funds or available credit
• Complete required authentication
• Try another accepted payment method
• Contact the card issuer or PayPal
• Contact us if the issue appears to originate from our checkout

An order is not considered successfully paid solely because a payment attempt was made.

18. Duplicate Charges

If you believe you have been charged more than once for the same order, first review your card account or PayPal activity to determine whether one transaction is only pending or authorized.

If multiple completed charges remain visible, contact:

support@nowheretowear.com

Please provide:

• Full name
• Order number
• Transaction date
• Amount charged
• Description of the issue

Do not send full card details, security codes, PayPal passwords, or authentication codes by email.

19. Currency Conversion

For cross-border or Canadian transactions, a bank, card issuer, PayPal, or other financial provider may apply currency conversion.

Any exchange rate, foreign transaction charge, or currency conversion fee imposed directly by a third-party provider is controlled by that provider.

Nowheretowear does not control third-party exchange rates or provider-imposed conversion charges.

20. Order Confirmation

After successful checkout, customers may receive an order confirmation containing:

• Order number
• Products ordered
• Purchase amount
• Shipping information
• Transaction details

Customers should retain the order confirmation for reference.

21. Payment and Order Review

Receiving an automated confirmation does not prevent reasonable payment, inventory, shipping, or fraud verification.

If we cannot fulfill an order after payment has been completed, any eligible amount will be refunded according to the applicable cancellation and refund procedures.

22. Order Cancellation

If an eligible paid order is successfully cancelled before shipment, the applicable refund will be returned to the original payment method used for the purchase.

We do not charge a standard cancellation fee.

For further information, please review our Cancel / Change Order Policy.

23. Returns

Eligible purchases may be returned according to our Return & Refund Policy.

• 30-day return window from delivery
• Free return shipping for approved returns using our prepaid return label
• $0 restocking fee
• $0 storage fee
• Refund processing within 7 business days after the returned item is received and approved

24. Refund Method

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

If the original purchase was paid by credit or debit card, the refund is returned to the applicable card account.

If the original purchase was paid through PayPal, the refund is processed through the original PayPal transaction.

We do not normally issue refunds to an unrelated payment method or account.

25. Refund Processing Time

For eligible returned orders, Nowheretowear processes refunds within:

7 business days after the returned item is received and approved

After we submit the refund, the card issuer, bank, PayPal, or other payment provider may require additional time to post the funds.

This additional provider processing time is outside our direct control.

26. Refunds for Cancelled Orders

If a paid order is successfully cancelled before shipment, the eligible refund will be initiated to the original payment method.

The time required for the funds to appear may depend on the card issuer, bank, PayPal, or other payment provider.

27. Partial Refunds

Where appropriate, a partial refund may be issued when only part of an order qualifies for reimbursement.

Any approved partial refund will be issued to the original payment method.

28. Payment Disputes

If you believe a transaction was processed incorrectly, contact:

support@nowheretowear.com

Please provide:

• Order number
• Transaction date
• Amount
• Description of the issue

We will review the available transaction and order records.

Nothing in this policy limits rights available through the customer's card issuer, bank, PayPal, or applicable consumer protection law.

29. Unauthorized Transactions

If you believe your credit/debit card or PayPal account was used without authorization, contact the relevant card issuer, bank, or PayPal immediately.

You may also contact us regarding the associated order at:

support@nowheretowear.com

We may cooperate with payment providers and legally authorized investigations where appropriate.

30. Payment Provider Privacy and Security

Card networks, acquiring or processing services, banks, and PayPal may independently process information necessary to:

• Authenticate the customer
• Authorize payment
• Process transactions
• Prevent fraud
• Process refunds
• Manage disputes
• Meet legal requirements

Their handling of personal and payment information is governed by their own applicable terms, privacy policies, and security practices.

31. Payment Information and Privacy

Information received by Nowheretowear in connection with an order is handled according to our Privacy Policy.

We may receive limited transaction information such as:

• Payment confirmation
• Transaction identifier
• Transaction status
• Order amount
• Payment method type
• Customer information needed to fulfill the order

We use this information only for legitimate transaction, customer service, accounting, security, fraud-prevention, and legal purposes.

32. Changes to Payment Methods

Available payment methods may change because of:

• Payment-provider availability
• Card network availability
• Technical changes
• Regional restrictions
• Regulatory requirements
• Security considerations
• Checkout platform changes

The payment methods displayed during checkout are the payment methods currently available for that transaction.

33. Customer Responsibility

Customers are responsible for:

• Using a payment method they are authorized to use
• Providing accurate payment information
• Reviewing the order total before payment
• Keeping account and payment credentials secure
• Confirming shipping and billing information
• Reviewing card issuer, bank, or PayPal notifications when applicable

34. Relationship With Other Policies

This Payment Methods Policy should be read together with:

• Terms of Service
• Shipping Policy
• Return & Refund Policy
• Cancel / Change Order Policy
• Privacy Policy
• Cookie Policy

These policies collectively explain the applicable terms for purchases made through Nowheretowear.