At Peonygear, we aim to provide a secure, smooth, and convenient checkout experience. This Payment Policy explains the payment methods we accept, how transactions are processed, and important information regarding billing and security.

By placing an order with us, you agree to the terms outlined below.

A. Accepted Payment Methods

Peonygear currently accepts the following secure payment options:

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

  • PayPal

  • Shop Pay / Apple Pay / Google Pay (if enabled on your device)

Additional payment methods may be added based on availability.

All payments must be completed at checkout for your order to be processed.

B. Secure Payment Processing

All transactions are encrypted and processed through secure third-party payment gateways.

  • We do not store credit card numbers, CVV codes, or any sensitive financial information.

  • Payment details are handled only by PCI-DSS compliant processors such as Stripe, PayPal, or our hosting platform’s integrated payment gateway.

  • Your personal data is processed in accordance with our Privacy Policy.

This ensures that your payment information remains safe and confidential.

C. Currency & Charges

  • All product prices are listed in U.S. Dollars (USD) unless stated otherwise.

  • International customers may see currency conversion differences depending on their bank or payment provider.

  • Peonygear is not responsible for conversion fees, foreign transaction fees, or bank charges.

Your bank statement may list the charge under the name Peonygear or our payment partner, depending on your bank.

D. Billing Information Requirements

To prevent delays or verification issues, please ensure your billing information is:

  • Accurate

  • Matches the details on your payment method

  • Updated before placing an order

If billing details do not match or are flagged by your bank, your payment may be declined or refunded automatically.

E. Order Confirmation & Authorization

Once payment is successfully completed:

  • You will receive an Order Confirmation Email immediately

  • Your order will enter processing within our standard timeframe

  • Your payment method will be charged at the time of purchase

If you do not receive confirmation within 10 minutes, please check your spam folder or contact us.

F. Payment Verification & Fraud Prevention

For security purposes, Peonygear may request additional verification if an order is flagged as high-risk by our payment processors.

This may include:

  • Email verification

  • Address confirmation

  • Identity confirmation (rare cases)

Orders that cannot be verified may be canceled and refunded for customer safety.

We reserve the right to refuse any order suspected of fraudulent activity.

G. Failed or Declined Payments

Your payment may be declined due to:

  • Insufficient funds

  • Incorrect card details

  • Expired card

  • Bank restrictions on international transactions

  • Payment processor security checks

If your payment fails:

  1. Contact your bank for details

  2. Try a different payment method

  3. Contact us if you continue to experience issues

H. Refunds & Payment Reversals

Refunds are processed according to our Refund & Returns Policy.

Key points:

  • Refunds can only be issued to the original payment method

  • Processing time: 5–7 business days

  • Bank release time: 3–5 business days (varies by provider)

  • PayPal refunds may appear instantly or within 24 hours

Chargebacks (disputes filed via bank or PayPal) may delay resolution.
We encourage customers to contact us first so we can resolve the issue quickly.

I. Chargebacks & Disputes

If you have questions or concerns about your order, please email us before opening a dispute.

Unnecessary chargebacks may lead to:

  • Delayed resolution

  • Order cancellation

  • Suspension of the customer’s account for repeated misuse

We are always happy to help resolve any issue directly.

J. Taxes & VAT

  • U.S. orders: sales tax is applied where required by state law

  • International orders: duties, VAT, or import fees may be charged by your country’s customs office

These fees are not collected by Peonygear and must be paid by the customer.

K. Contact Us

If you have questions about billing or payments:

Peonygear Customer Support

  • Email: support@peonygear.com

  • Phone: (209) 850-3168

  • Address: 323 N Thor St, Turlock, CA 95380, United States

  • Support Hours: Monday to Friday, 9:00 AM – 5:00 PM PST