Introduction

At StepMate, we aim to provide a secure and straightforward payment experience for our customers. This Payment Policy explains the payment methods we accept, how transactions are processed, and important information regarding billing, payment security, and order confirmation.

Accepted Payment Methods

We accept the following payment methods, subject to availability at checkout:

• Credit Cards: Visa, MasterCard, American Express, Discover
• Debit Cards: Visa and MasterCard debit cards
• Digital Wallets: PayPal, Apple Pay, Google Pay

All payments must be made in U.S. Dollars (USD). The payment methods available for a particular order will be displayed during checkout before the purchase is completed.

Payment Security

Your payment security is important to us. When you check out, your payment details are processed directly through our trusted payment providers. All transactions on stepmate.shop are encrypted using 256-bit SSL technology to protect your information during checkout.

We do not ask customers to send complete payment card details, CVV codes, or other sensitive financial information through regular email or chat. We do not store your full credit card numbers, debit card numbers, or banking information on our servers. All payments are processed through PCI-DSS compliant third-party payment gateways, such as PayPal and Stripe.

Order Authorization and Confirmation

• Authorization: When you place an order, your selected payment method may be authorized or verified to confirm that the payment can be processed. Depending on your bank or payment provider, this authorization may appear as a temporary hold on your account.
• Confirmation: Once your payment is successfully confirmed, we will send you an order confirmation email summarizing your purchase.
• Order Acceptance: Order confirmation is not a guarantee of acceptance. We reserve the right to cancel or refuse an order for any valid reason, including suspected fraudulent activity, pricing or listing errors, product availability issues, or inability to verify billing or shipping details. If we cancel your order after your payment has been processed, we will issue a full refund to your original payment method.

Fraud Prevention

To protect our customers and maintain the security of our transactions, StepMate may take additional steps when reviewing orders. This may include:

• Requesting additional verification for orders that require review.
• Contacting customers to confirm order or billing information.
• Declining or canceling transactions that appear unauthorized, fraudulent, or otherwise suspicious.

Additional verification may be performed by StepMate or the applicable payment provider. We take these measures to ensure every purchase is legitimate and secure.

Billing Information

Please ensure that:

• Your billing information is accurate and complete.
• Your billing address matches the information on file with your bank or card issuer.
• Your contact information is correct so that we can communicate regarding your order when necessary.

Inaccurate or mismatched billing information may result in payment declines, processing delays, additional verification requirements, or order cancellation.

Payment Issues and Declines

If your payment is declined, please check the following:

• Ensure that your card or payment method is active and has sufficient funds or available credit.
• Verify that your billing and payment details have been entered correctly.
• Contact your bank or payment provider if the transaction continues to be declined.

If you continue to experience payment issues, please contact our support team at support@stepmate.shop for assistance.

Refunds

Refunds are processed in accordance with our Return & Refund Policy.

• Approved refunds will generally be issued to the original payment method used at checkout.
• Refund processing time may vary depending on the payment provider, bank, or card issuer.
• Once StepMate has processed a refund, additional time may be required before the funds appear in your account.
• If a refund cannot be processed to the original payment method, StepMate may contact you to determine an appropriate resolution.

For complete information about returns and refunds, please review our Return & Refund Policy.

Payment Disputes

If you believe a charge on your statement is incorrect or unauthorized, please contact StepMate at support@stepmate.shop as soon as possible.

• We will review the available order and payment information and work with you to address the issue where appropriate.
• If the transaction was processed through a third-party payment provider, the provider’s applicable dispute and transaction procedures may also apply.

Currency

All prices and transactions on StepMate are displayed and processed in U.S. Dollars (USD) unless otherwise stated.

Customers using a payment method issued outside the United States may be subject to currency conversion or other fees charged by their bank or payment provider. StepMate does not control fees imposed by third-party financial institutions or payment providers.

Changes to This Policy

StepMate may update this Payment Policy periodically to reflect changes in our payment procedures, payment providers, or legal requirements. Any updates will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

Contact Us About Payments

If you have questions about our payment process, accepted payment methods, billing issues, or payment-related concerns, please contact our support team.