Payment Methods Policy

Loyal Layer aims to provide a secure and straightforward checkout experience for every custom pet portrait order. This policy explains when you are charged, which payment methods may be available, and how currencies, discount codes and payment issues are handled.

1. When payment is collected

Payment is collected when you place your order. It covers the custom design work, selected product configuration and any shipping charges or taxes shown at checkout.

After payment, our artists review your submitted pet photo and prepare a design proof. Handmade production begins only after you approve the final proof, but payment is not deferred until proof approval. Cancellation and refund eligibility is governed by our Refunds & Returns Policy.

2. Accepted payment methods

The payment methods currently available for your country, currency, browser and device will be displayed at checkout. Depending on availability and the services enabled by Loyal Layer, these may include:

• Major credit and debit cards, such as Visa, Mastercard, American Express or other supported networks.
• PayPal.
• Shop Pay.
• Apple Pay.
• Google Pay.
• Other local or accelerated payment methods displayed at checkout.

A method is accepted only when it appears during checkout. Availability may change by market and is subject to the payment provider’s eligibility requirements and terms. Unless expressly offered, we do not accept cash on delivery, personal checks or direct bank or wire transfers.

3. PayPal and accelerated checkout

If you select PayPal or another accelerated checkout method, you may be redirected to that provider or asked to confirm the purchase in its app or payment window. Saved billing, contact and shipping details may be used to complete the order.

Please check all details before authorizing payment. The shipping address shown in the final Loyal Layer checkout and order confirmation is the address we will use.

4. Credit and debit card security

Card payments are processed by Shopify and the payment providers made available through checkout. Loyal Layer does not receive or store your complete card number or card security code.

Your provider may require additional authentication, such as a one-time password, app confirmation or 3D Secure verification. An order is not confirmed until checkout reports that payment was accepted and you receive an order confirmation.

5. Currency and conversion

Prices are displayed in the currency selected or detected by the store. The final currency, item total, shipping charge, discount and applicable tax will be shown before you authorize payment.

If you pay in a currency different from your card or account currency, your provider may apply its own exchange rate, conversion fee or international transaction fee. These charges are not collected or controlled by Loyal Layer.

6. Taxes and shipping charges

Applicable taxes and shipping charges will be calculated and displayed at checkout when possible. International orders may also be subject to import duties, customs fees, brokerage charges or local taxes as described in our Shipping Policy.

7. Discount and promotional codes

Enter a valid code in the designated checkout field and select Apply before completing payment. Confirm that the discount appears in the order summary.

• A code cannot normally be added after an order has been placed.
• Only one discount code may be used per order unless expressly stated otherwise.
• Codes cannot be exchanged for cash.
• Codes may have expiry dates, eligible products, minimum amounts, market restrictions or other stated conditions.

8. Declined or failed payments

A payment may be declined because of insufficient funds, incorrect billing information, an expired card, authentication failure, bank security restrictions or international transaction settings.

1. Check the payment details, billing address and available funds.
2. Complete any verification requested by your provider.
3. Try again or choose another method shown at checkout.
4. Contact your provider if the transaction continues to be declined.
5. Contact us if checkout still shows an error after your provider confirms the method should work.

Never send a complete card number, security code, password or authentication code to Loyal Layer.

9. Pending authorizations and duplicate charges

A failed or interrupted checkout may leave a temporary pending authorization. This is not always a completed charge and is usually released automatically by the bank or payment provider.

If you believe you were charged more than once, compare completed transactions with your order-confirmation emails, then contact us with the order number, transaction date, amount and last four digits of the card.

10. Payment review and verification

For fraud prevention and customer protection, an order may be held while Shopify, a payment provider or Loyal Layer verifies payment or order details. We may cancel and refund an order when payment cannot be verified, a transaction appears unauthorized or high-risk, required information is not supplied, or we reasonably believe the purchase violates our policies or applicable law.

11. Refunds

Approved refunds are issued to the original payment method whenever possible. We cannot redirect a card refund to a different card, bank account or person. Processing time depends on the bank or payment provider; see our Refunds & Returns Policy for eligibility and estimates.