Payment Policy

At Purse Loft, we maintain a transparent and secure billing environment for all transactions. This policy outlines our standard procedures for processing payments, ensuring that our customers are informed of all financial interactions.

1. Secure Payment Standards (PCI Compliance)

We prioritize the integrity of your financial data. Our store utilizes SSL (Secure Socket Layer) technology with 256-bit encryption to protect data transmission during checkout. We strictly adhere to PCI-DSS (Payment Card Industry Data Security Standard) requirements. Purse Loft does not store or have access to your raw credit card numbers; all sensitive information is handled through secure, encrypted tokens provided by our payment gateway.

2. Authorized Payment Methods

To ensure reliability and buyer protection, we facilitate payments exclusively through PayPal. This allows you to complete your purchase using:

Full payment is required at the time of purchase. Your account will be debited immediately upon order confirmation.

3. Currency and Transaction Fees

All prices listed on our website and all transactions are settled in US Dollars (USD). If you are purchasing using a non-USD denominated account, your financial institution may apply currency conversion rates or international transaction fees. Purse Loft is not responsible for these additional bank-levied charges.

4. Billing Information Accuracy

To prevent processing delays or order cancellations, please ensure that your billing address matches the information on file with your payment provider. If our automated system identifies a discrepancy, your order may be held for manual verification by our support team.

5. Sales Tax and Final Pricing

Applicable sales tax is determined based on the shipping destination within the United States. The final order total, including taxes and shipping costs, will be clearly itemized on the checkout page before you finalize the payment. There are no hidden surcharges applied after the transaction is complete.

6. Order Cancellations & Payment Issues

If a transaction is declined, please contact your bank or PayPal for specific details regarding the refusal. For orders you wish to cancel, please notify us at Support@purseloft.shop within 12 hours of placement. If the payment has already been settled and the order has entered the fulfillment stage, please refer to our Return & Refund Policy.