Payment Policy

1. Accepted Payment Methods

Cozydress accepts the payment methods displayed and available at checkout. Depending on the payment services currently enabled on our website, these may include:

• Visa
• Mastercard
• American Express
• Discover
• PayPal
• Apple Pay
• Other options shown at checkout

Stripe may be used as a payment processing service where enabled; it is a payment provider rather than a card brand. Available payment methods may vary, and only the options displayed during checkout can be used to complete your order.

Unless otherwise stated at checkout, payment must be made in full when placing an order. We do not offer installment plans, financing, or partial payments unless such an option is explicitly made available on our website.

2. Payment Processing

Payments are processed through the payment provider selected at checkout. Your provider may request additional information or verification before approving a transaction.

An order is not considered successfully paid until the payment has been authorized or confirmed, as applicable. If a payment is declined or cannot be verified, you may need to select another payment method or contact your payment provider.

3. Payment Security

Protecting customer information is important to us. Our checkout process uses the security features provided by our website platform and payment service providers to help protect payment information during transmission and processing.

Payment information is handled according to the practices and security policies of the provider used for your transaction. Depending on your selected payment method, your payment details may be processed directly by that provider.

We do not intentionally store full payment card details on our website unless this is specifically supported and appropriately secured by our payment processing arrangements. No online payment method can be guaranteed to be completely risk-free.

4. Order Confirmation

After placing an order successfully, you should receive an order confirmation email containing your order number and purchase details. Payment authorization and order confirmation do not necessarily mean that your order has shipped.

If you do not receive your confirmation email, check your spam or junk folder and verify that you entered the correct email address. If you still cannot locate the confirmation, please contact us at support@cozydress.shop.

5. Billing Information Accuracy

Customers are responsible for providing accurate and complete billing information during checkout. This may include your name, billing address, email address, and any other information required by your selected payment provider.

Incorrect, incomplete, or unverifiable billing information may result in payment verification issues, processing delays, or order cancellation. Please review your information carefully before submitting your order.

6. Pricing and Sales Tax

Product prices are displayed on our website in the currency indicated at checkout. Applicable taxes, shipping fees, and other charges will be displayed during checkout before you complete your purchase, where required by law.

Sales tax is calculated according to applicable tax rules and relevant order details, including the shipping destination when required. The final amount charged may also depend on currency conversion or other fees imposed by your payment provider or financial institution.

7. Payment Authorization and Failed Transactions

When you place an order, your payment provider may authorize the transaction or temporarily reserve funds before the payment is finalized. The timing of any authorization, capture, reversal, or release of funds depends on your payment provider and financial institution.

If your payment fails, is declined, or remains unconfirmed, your order may not be processed. If your account shows a pending transaction after a failed or canceled order, please allow your financial institution time to release the authorization. Contact your provider if the pending amount does not clear within its stated timeframe.

8. Fraud Prevention

To help protect our customers and our business, Cozydress may review orders that appear suspicious or require additional verification. Where permitted by law, we reserve the right to delay, decline, cancel, or refuse an order if we reasonably suspect fraud, unauthorized payment activity, or misuse of our website.

If an order is canceled after payment has been collected, any eligible refund will generally be issued to the original payment method, unless otherwise required by law or agreed with the customer. The time it takes for funds to appear in your account depends on your payment provider or bank.

9. Refunds and Cancellations

Approved refunds will generally be returned to the original payment method used for the purchase. Processing times may vary depending on your payment provider and financial institution.

Refund eligibility, return conditions, and cancellation procedures are explained in our Refund and Returns Policy. Please visit our website to review the applicable policy before requesting a return or cancellation.

Note: Add a link to your published Refund and Returns Policy here once you have confirmed its correct website URL.

10. Privacy

Personal information provided during checkout is handled in accordance with our Privacy Policy. We encourage customers to review that policy to understand how information may be collected, used, and shared when placing an order.

Note: Add a link to your published Privacy Policy here after confirming its correct website URL.

11. Changes to This Payment Policy

Cozydress reserves the right to update or modify this Payment Policy from time to time to reflect changes in our business practices, payment providers, website features, or applicable legal requirements.

Updates will be posted on this page with a revised “Last Updated” date. We encourage customers to review this policy periodically.

12. Contact Us

If you have questions about payment methods, a transaction, or a payment issue related to an order, please contact our support team.