Payment Policy

Payment Policy

Updated: December 29, 2025

💳 Accepted Payment Methods

🌐 Stripe Supported Payment Methods

All major cards + local payment methods powered by Stripe:

Cards	Digital Wallets	Local Methods
Visa • Mastercard • American Express • Discover • JCB • UnionPay	Apple Pay • Google Pay • Microsoft Pay	iDEAL • SEPA • Sofort • Giropay • EPS • P24 • Bancontact

🔒 Security & Fraud Protection

• PCI DSS Level 1: Highest security standard (PayPal + Stripe)
• 3D Secure 2.0: Verified by Visa, Mastercard SecureCode
• SSL Encryption: 256-bit secure checkout
• Fraud Monitoring: Real-time Radar by Stripe
• No CVV stored: Tokenization protects your data

💰 Pricing & Fees

• No extra fees: Prices shown = prices paid
• Currency: USD (automatic conversion for local currency)
• PayPal: 2.9% + $0.30 (buyer pays exact amount)
• Stripe: Standard card rates (no surcharges)

⏱️ Payment Processing

• Instant authorization: Funds verified at checkout
• Capture: 1-3 business days after shipment
• Refunds: Full refund to original payment method (3-10 days)

🛡 Buyer Protection

Protection	PayPal	Stripe/Shopify
Not Received	✅ Full refund	✅ Full refund
Damaged/Wrong Item	✅ Full refund	✅ Full refund
Return Shipping	Buyer pays	Buyer pays

🌍 International Payments

• Currency Conversion: Automatic at best rate + 1-3% fee
• Multi-Currency: USD checkout worldwide
• No restrictions: Ships to 200+ countries

📱 Mobile Payments

• ✅ Apple Pay (iPhone/Mac)
• ✅ Google Pay (Android)
• ✅ One-tap checkout
• ✅ Biometric verification

❌ Declined Payments

Common reasons & solutions:

• Insufficient funds: Try different card
• 3D Secure block: Verify via SMS/app
• Address mismatch: Use billing address
• Card expired: Update payment info

📞 Support

Email: info@alumproject.com
Response: 24 hours (business days)
WhatsApp: +380 63 279 3863

Secure Checkout Guarantee: Shopify + Stripe + PayPal = bank-level security

Supporting Ukrainian artisans worldwide, one secure payment at a time. 🇺🇦