Payment Policy

This policy describes accepted payment methods, payment processing, and payment security measures for Ziftsy's random video call and gift exchange platform. Please read this carefully before making any purchases.

1. Accepted Payment Methods

We accept a wide range of secure payment options for your convenience:

Credit & Debit Cards

• Visa, Mastercard, American Express, Discover
• International credit/debit cards accepted
• Prepaid cards accepted (must support international transactions)
• Card information encrypted and securely stored by payment processor

Digital Wallets

• PayPal: Full PayPal account or PayPal Credit
• Apple Pay: For iOS users (iPhone, iPad, Mac)
• Google Pay: For Android users
• Venmo: Available for US customers

Other Payment Options

• Shop Pay: Express checkout with installment options
• Afterpay/Klarna: Buy now, pay later (4 interest-free installments)
• Ziftsy Credits: Store credit from refunds or promotions
• Gift Cards: Ziftsy digital gift cards

2. Payment Processing & Security

Your financial security is our top priority:

Security Standards

• PCI DSS Level 1 Compliance: Highest security standard for payment processing
• SSL/TLS Encryption: 256-bit encryption for all transactions
• Tokenization: Card numbers never stored on our servers
• 3D Secure (3DS): Additional authentication for card transactions
• Fraud Detection: Real-time monitoring and machine learning algorithms
• Two-Factor Authentication: Optional 2FA for account and payment security

Payment Processors

We currently use Stripe as our primary payment processor, and will integrate additional payment providers to offer you more flexibility:

• Stripe: Our current payment processor (PCI Level 1 certified, SOC 2 Type II certified)
• Stripe processes all credit/debit cards, digital wallets, and payment methods
• Industry-leading security with 256-bit encryption and fraud detection
• Trusted by millions of businesses worldwide
• Your payment data is stored securely on Stripe's servers, not ours

Additional Payment Providers Coming Soon:

• PayPal: For PayPal account and Venmo payments
• Apple Pay: Seamless checkout for iOS users
• Google Pay: Quick payments for Android users
• Other Providers: We will continue adding trusted payment processors to give you more payment options

All payment processors we use or will use maintain the highest security standards (PCI DSS Level 1, SOC 2 Type II) to protect your financial information.

What We DO Store

• Last 4 digits of card number (for identification)
• Card brand and expiration date
• Billing ZIP code
• Transaction history and receipts

What We DON'T Store

• Full credit card numbers
• CVV/CVC security codes
• Bank account credentials
• PayPal/Venmo passwords

3. Payment Authorization & Holds

Understanding how charges appear on your account:

Authorization Hold

• When you place an order, we authorize (but don't immediately charge) the full amount
• This appears as a "pending" charge on your statement
• Actual charge occurs when gift ships (typically 1-3 business days)
• If order is cancelled before shipping, authorization is released (can take 5-7 days to reflect on your account)

Split Payments

• Orders with multiple items may result in multiple charges as items ship separately
• Each charge corresponds to items shipped together
• You'll receive itemized receipts for each charge

Payment Failures

If your payment is declined:

• You'll receive immediate notification in-app and via email
• Common reasons: insufficient funds, incorrect card details, expired card, fraud prevention
• You have 24 hours to update payment method before order is automatically cancelled
• No penalties for payment failures (we don't charge retry fees)

4. Refunds & Cancellations

Our refund policy is designed to be fair to both gift senders and recipients:

Cancellation Before Shipping

• Full refund if cancelled within 2 hours of order placement
• After 2 hours but before shipping: full refund minus $2.99 processing fee
• Once shipped: cancellation not possible (see return policy)
• Cancellations processed within 5-7 business days to original payment method

Returns & Refunds

• Defective/Damaged Items: Full refund including shipping (report within 48 hours)
• Wrong Item Sent: Full refund and free return shipping
• Change of Mind: Refund minus $2.99 restocking fee (within 30 days, item must be unused)
• Non-Returnable Items: Perishables, personalized items, intimate apparel, digital gifts

Refund Timeline

• Refund approval: 1-2 business days after receiving return
• Credit/Debit cards: 5-10 business days
• PayPal/Digital wallets: 1-3 business days
• Original shipping costs refunded only for defective/wrong items

5. Currency & Exchange Rates

International payment information:

• Prices displayed in USD (US Dollars) by default
• Currency conversion handled by your payment method/bank
• Exchange rates determined by card issuer at time of processing
• Your bank may charge foreign transaction fees (1-3%)
• Final charge amount may differ slightly due to rate fluctuations
• Receipts show amount in USD; check bank statement for converted amount

6. Gift Cards & Credits

Flexible payment options:

Ziftsy Gift Cards

• Available in denominations: $10, $25, $50, $100, $200
• Never expire
• Can be combined with other payment methods
• Non-refundable and cannot be redeemed for cash
• Check balance anytime in app settings

Ziftsy Credits

• Earned through refunds, referrals, and promotions
• Automatically applied at checkout
• No expiration date
• Transferable to other Ziftsy users

7. Disputed Charges & Chargebacks

Before filing a chargeback with your bank, please contact us:

• We resolve 95% of payment disputes within 24 hours
• Chargebacks can result in account suspension pending investigation
• Fraudulent chargebacks may result in permanent account termination
• We provide complete transaction documentation to banks
• Legitimate disputes are handled quickly and fairly

How to Dispute a Charge

1. Contact Ziftsy support at payments@ziftsy.com
2. Provide order number and reason for dispute
3. Allow 1-2 business days for investigation
4. Receive resolution or next steps
5. If unsatisfied, you may proceed with bank dispute

8. Payment Failures & Retry Policy

What happens if payment fails:

• Immediate notification via email and push notification
• Order placed on hold for 24 hours
• You can update payment method during hold period
• After 24 hours, order automatically cancelled if not resolved
• No penalties or fees for payment failures
• Common issues: expired card, insufficient funds, bank fraud alerts

Preventing Payment Issues

• Keep payment methods up to date
• Ensure sufficient funds before ordering
• Notify your bank of international purchases if applicable
• Add Ziftsy to your bank's approved merchant list
• Use saved payment methods for faster, more reliable checkout

9. Business & Enterprise Payments

Special payment options for businesses:

• Invoice Payment: Net-30 terms for verified businesses
• Purchase Orders: PO processing available
• ACH/Wire Transfer: Available for large corporate orders
• Multiple Payment Methods: Split payments across different cards or methods
• Contact business@ziftsy.com for enterprise payment options

Policy Changes

Legal Compliance

• All transactions comply with federal and state commerce laws
• Payment processing meets PCI DSS and SOC 2 standards
• Consumer protection laws fully honored
• GDPR, CCPA, and privacy regulations respected

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