💳 Payment Policy | SWIFTCITE

Effective Date:
August 18, 2025

At SWIFTCITE, we strive to provide a smooth, secure, and transparent checkout experience for every customer. This Payment Policy explains the accepted payment methods, how transactions are processed, billing details, and what to do in case of payment issues. By placing an order on
swiftcite.com, you agree to the terms outlined below.

1. Accepted Payment Methods

We accept a wide range of secure and convenient payment options to suit your needs:

  • Credit & Debit Cards: Visa, MasterCard, American Express, Discover, and other major cards displayed at checkout.
  • Digital Wallets: Apple Pay, Google Pay, PayPal (where supported).
  • Bank Transfers: Available for bulk or wholesale orders upon request.
  • Gift Cards & Store Credits: When available, these can be applied during checkout.

All payments are processed in USD ($) unless otherwise stated at checkout. International customers are responsible for currency conversion fees imposed by their banks or payment providers.

2. Payment Processing

  • Payments are charged in full at the time of order placement. Orders will not be shipped until payment has been successfully processed.
  • Upon successful payment, you will receive an order confirmation email with your invoice.
  • If payment authorization fails, your order will be placed on hold until an alternative method is provided.

3. Payment Security

We prioritize the security of your personal and financial information. SWIFTCITE uses SSL encryption and PCI DSS-compliant payment gateways to ensure safe transactions.

  • We do not store credit/debit card details on our servers.
  • All sensitive payment data is processed securely by our third-party providers.
  • Your information will never be sold, shared, or misused under any circumstances.

4. Taxes & Additional Charges

  • Applicable sales tax will be automatically calculated based on your shipping address and displayed before checkout.
  • International customers may be subject to import duties, customs fees, or VAT. These charges are not included in our prices and must be paid by the recipient upon delivery.

5. Failed or Declined Payments

If your payment is declined or fails, please:

  • Double-check that your billing details match the information on your card or account.
  • Try using an alternative payment method (e.g., PayPal or another card).
  • Contact your bank or card provider to resolve any authorization issues.
  • Reach out to our support team if problems persist.

6. Refunds & Payment Reversals

  • If your order qualifies for a refund under our Refund & Return Policy, the amount will be returned to your original payment method.
  • Refunds may take 5–10 business days to appear, depending on your bank or payment provider.
  • In rare cases, store credit may be offered as an alternative refund method.

7. Payment Disputes

  • If you believe you have been incorrectly charged, contact us immediately for review.
  • We encourage customers to reach out to us before initiating a chargeback with their bank, as most issues can be resolved quickly.

8. Changes to Payment Policy

SWIFTCITE reserves the right to update or modify this Payment Policy at any time to reflect new payment technologies, security enhancements, or business requirements. Updates will be posted on this page with the revised effective date.

9. Contact Us

For any questions or concerns regarding payments, please contact us:

SWIFTCITE
📍 408 NE 3rd St, Hoxie, Arkansas
📞 (870) 252-3677
📧 info@swiftcite.com
🌐 swiftcite.com