Payment Policy

1. Accepted Payment Methods

MythToy offers secure and convenient payment options for both retail customers and wholesale partners. We accept the following payment methods:

2. Payment Security

We prioritize the security of your payment information through multiple layers of protection:

• SSL Encryption: All data transmitted to our website is encrypted with 256-bit SSL technology
• PCI Compliance: We are PCI DSS Level 1 compliant - the highest level of payment security
• Tokenization: Payment details are tokenized and never stored on our servers
• 3D Secure: Additional authentication through Verified by Visa, Mastercard SecureCode, and American Express SafeKey
• Fraud Monitoring: Real-time fraud detection and prevention systems

3. Payment Processing

Retail Customers (B2C)

• Payments are processed immediately upon order placement
• Credit card authorizations are completed in real-time
• PayPal payments are instant and confirmed automatically
• Orders are processed only after successful payment confirmation

Wholesale Partners (B2B)

• Bank wire transfers: Orders processed after funds are cleared
• Net 30 terms available for qualified wholesale accounts
• Volume-based pricing and payment plans for large orders
• Dedicated account manager for payment coordination

4. Currency and Pricing

• All prices are displayed in US Dollars (USD) unless otherwise specified
• International customers may see converted prices based on current exchange rates
• Final transaction amount may vary due to bank exchange rates and fees
• Taxes are calculated based on shipping destination and applicable laws

5. Payment Issues and Declines

If your payment is declined or encounters issues:

• Card Declines: Verify card details, available funds, and billing address
• PayPal Issues: Check PayPal account status and verification
• Bank Transfer Delays: Contact your bank for transfer status
• Fraud Prevention: Large or unusual orders may require additional verification

For payment assistance, contact our support team at payments@mythtoy.com

6. Refunds and Chargebacks

Refund Processing

• Refunds are processed to the original payment method
• Credit card refunds: 5-10 business days to appear on your statement
• PayPal refunds: 3-5 business days
• Bank transfer refunds: 7-14 business days

Chargeback Policy

• We dispute invalid chargebacks with evidence of service delivery
• Fraudulent chargebacks may result in account termination
• Contact customer service before initiating chargebacks
• We cooperate with payment processors to resolve disputes fairly

7. Wholesale Payment Terms

8. Privacy and Data Protection

• Payment information is encrypted and processed through secure gateways
• We do not store complete credit card numbers on our servers
• Payment data is handled in compliance with GDPR and CCPA regulations
• Third-party payment processors are carefully vetted for security compliance

9. Contact Information

10. Policy Updates

We reserve the right to update this payment policy at any time. Changes will be effective immediately upon posting to our website. Major changes will be communicated to active customers via email.