Payment Policy

This Payment Policy applies to all payment transactions between you and Reflection - Urban Outfitters Boutique LLC (hereinafter referred to as "we" or "the Company") regarding clothing products (including, but not limited to, women's tops, shorts, jeans, trousers, knitwear, and outerwear purchased via our official website). This policy complies with U.S. e-commerce industry standards, Federal Trade Commission (FTC) regulations, and domestic transaction security requirements.

1. Accepted Payment Methods

We accept secure online payments via major authorized payment channels to ensure the safety and reliability of all customer transactions. Available payment methods include:

American Express

Diners Club

Discover

JCB

Maestro

Mastercard

Visa

All payments are processed through encrypted, PCI-DSS compliant payment gateways to protect customers' financial information.

2. Settlement Currency and Pricing

All product prices displayed on our website are denominated in U.S. Dollars (USD). All prices are final retail prices and do not include applicable sales tax, shipping costs, or additional service fees. For orders shipped within the United States, applicable state sales tax will be calculated at checkout in accordance with local tax regulations.

3. Payment Authorization and Order Confirmation

When you order clothing items (tops, shorts, jeans), you authorize us to charge the full order amount to your selected payment method. Your order will be confirmed and processed only after successful payment authorization. If your payment fails, is declined, or requires further verification, your order will be automatically suspended until a valid payment is completed.

4. Transaction Security and Privacy Protection

We do not store your full credit card, debit card, or private payment credential information on our servers. All payment data is transmitted and processed through certified, secure third-party processors in compliance with U.S. financial privacy laws and regulations. Your payment information is strictly protected and will never be shared, sold, or disclosed to unauthorized third parties.

5. Payment Failures and Duplicate Charges

In the event of payment failure, network errors, duplicate charges, or unauthorized charges, customers may contact our customer service team for verification and resolution. We will verify transaction records and issue the appropriate corrections or refunds for any confirmed duplicate charges within five business days.

6. Chargeback and Dispute Policy

All order disputes and chargeback requests must be supported by valid order information and legitimate grounds. We will investigate each dispute in strict accordance with U.S. regulations governing chargebacks. Filing an unjustified or malicious chargeback without valid supporting evidence may result in order cancellation, service restrictions, and other legal recourse permitted under U.S. law.

7. Refund Processing

For clothing items eligible for return, all approved refunds will be issued to the original payment account used at checkout. The time required for the refund to appear in your account varies by financial institution but typically takes up to 10 business days.