Payment Policy

Effective Date: March 11, 2025

At ElementHato, we strive to provide a smooth and secure payment experience for our customers. This Payment Policy outlines the accepted payment methods, transaction security, billing processes, and other important details regarding payments for purchases made through our website. By placing an order with us, you agree to the following terms.

1. Accepted Payment Methods

We accept the following payment options to ensure convenience and security:

  • Credit and Debit Cards (Visa, MasterCard, American Express, Discover)
  • PayPal
  • Apple Pay & Google Pay
  • Bank Transfers (for bulk and wholesale orders)
  • Gift Cards & Store Credit (if applicable)

Note: All transactions are processed in USD ($). International customers may be subject to currency conversion fees based on their payment provider’s policies.

2. Payment Processing

2.1 Order Confirmation and Payment Authorization

  • All payments must be completed in full before an order is processed and shipped.
  • Upon successful payment, customers will receive an order confirmation email with transaction details.
  • If payment authorization fails, the order will not be processed, and customers may need to update their payment details.

2.2 Payment Holds & Pending Transactions

  • In some cases, payments may be temporarily placed on hold for security verification.
  • We may contact customers to confirm additional details before processing certain orders, especially for high-value purchases.

3. Billing Information

3.1 Accurate Information

  • Customers must provide accurate billing information to avoid transaction issues.
  • The billing address must match the cardholder’s address to prevent fraud.

3.2 Taxes and Fees

  • Sales tax may be applied to purchases depending on the shipping destination.
  • Customers are responsible for any additional banking or currency conversion fees charged by their financial institution.

4. Secure Payment Processing

4.1 Data Protection & Encryption

  • We use SSL encryption and secure payment gateways to process all transactions.
  • Customer payment details are never stored on our servers to enhance security.

4.2 Fraud Prevention

  • We actively monitor transactions to detect and prevent fraudulent activity.
  • If suspicious activity is detected, we may contact the customer for verification or cancel the transaction.

5. Payment Issues & Declined Transactions

5.1 Common Reasons for Payment Failure

If your payment is declined, please check the following:

  • Incorrect card details (expiry date, CVV, billing address)
  • Insufficient funds in your account
  • Bank restrictions on online or international transactions
  • Expired or blocked card

5.2 What to Do If Your Payment Fails

  • Try another payment method.
  • Contact your bank or card issuer to resolve any restrictions.
  • If the issue persists, reach out to us at info@elementhato.net for assistance.

6. Refunds and Chargebacks

6.1 Refunds

  • Refunds are processed according to our Refund and Returns Policy.
  • Refunds are credited back to the original payment method within 5-7 business days.

6.2 Chargebacks & Disputes

  • If a customer initiates a chargeback without contacting us first, we reserve the right to suspend future purchases.
  • We encourage customers to reach out to our support team to resolve any payment issues before filing a dispute.

7. Subscription & Recurring Payments (if applicable)

  • If you subscribe to any recurring service, your payment method will be charged automatically at the agreed billing cycle.
  • You may cancel your subscription anytime before the next billing date to avoid charges.

8. Order Cancellation & Payment Reversal

  • Orders can be canceled within 12 hours of placement for a full refund.
  • If an order has been processed or shipped, it cannot be canceled, but customers may initiate a return request.

9. Contact Us

For any payment-related inquiries, please contact:

📧 Email: info@elementhato.net
📞 Phone: (603) 323-7743
🌍 Website: ElementHato