Payment Policy

Thank you for shopping at Johnmychael.shop.
This Payment Policy explains the payment methods we accept, how transactions are processed, and important terms regarding payments on our website.

1. Accepted Payment Methods

We accept the following secure payment options:

  • Credit & Debit Cards (Visa, Mastercard, American Express, Discover)

All payments are processed in USD, unless otherwise displayed at checkout.

2. Secure Payment Processing

To protect your financial information:

  • We use SSL encryption across the entire website

  • We do not store your full credit card details

  • Transactions are processed securely through verified third-party payment gateways

Your personal and payment information is always handled with strict confidentiality.

3. Payment Authorization

When placing an order, you agree that:

  • You are authorized to use the payment method provided

  • The billing information you provide is accurate

  • You allow us (and our payment processors) to charge your method of payment for your order total

If your payment is declined, your order will not be processed.

4. Currency & Fees

  • All product prices are displayed in USD

  • If your card uses another currency, your bank may apply a conversion rate or international fee

  • Any such charges are determined by your bank or card issuer, not by us

5. Fraud Prevention

We use automatic and manual fraud detection to protect customers.

We reserve the right to:

  • Refuse any order flagged as suspicious

  • Request additional verification (such as ID or billing confirmation)

  • Cancel orders if fraud is suspected

This helps ensure a safe shopping environment for all customers.

6. Order Verification

For security reasons, large-value or high-risk orders may require additional confirmation before shipping.
If verification is needed, we will contact you by email.

7. Payment Issues & Failed Transactions

If you experience:

  • Payment failure

  • Duplicate charges

  • Unrecognized charges

  • Checkout errors

Please contact us immediately at:

📧 support@johnmychael.shop

We will investigate and resolve the issue as quickly as possible.

8. Refunds

Refunds will be issued according to our Refund Policy, and always using the original payment method.

Please note:

  • Processing time may take 5–10 business days, depending on your bank

  • We cannot refund to a different card or account

9. Chargebacks

Before filing a chargeback, please contact our support team so we can help resolve any issues.

Unresolved chargebacks may result in:

  • Delayed processing

  • Account suspension

  • Inability to place future orders

We are always happy to assist and provide complete order information.

10. Contact Us

For questions about payments or billing, contact us:

📧 support@johnmychael.shop
🌐 www.johnmychael.shop