Payment Policy

Effective Date: January 7, 2025

At UrbanCiteIno, we are committed to providing a secure and smooth shopping experience for all our customers. This Payment Policy outlines the methods of payment we accept, as well as the process for handling payment transactions on our website, www.urbanciteino.com. By making a purchase on our website, you agree to the terms set forth in this Payment Policy.

1. Accepted Payment Methods

We offer a variety of secure payment methods to ensure you have an easy and convenient way to complete your purchase. We accept the following payment options:

      • Credit and Debit Cards:

        • Visa
        • MasterCard
        • American Express
        • Discover

      • PayPal:

        • You can also use your PayPal account to complete your purchase. This method allows you to pay via a linked bank account, credit/debit card, or PayPal balance.

      • Digital Wallets:

        • Apple Pay
        • Google Pay

      • Other Payment Methods:

        • We may accept additional payment methods depending on your location. Please refer to the checkout page for available options.

All payments are processed securely through our payment gateway partners to ensure your information is protected.

2. Payment Authorization

By providing your payment information, you authorize UrbanCiteIno to charge the total amount of your order to your chosen payment method. You are responsible for ensuring that the payment details you provide are accurate and up-to-date.

      • Order Confirmation: After placing your order, you will receive an Order Confirmation Email that includes a summary of your order and payment details. This serves as confirmation that we have received your payment.

      • Payment Verification: We reserve the right to verify your payment details before processing the order. This may include confirming your billing address or requiring additional information to prevent fraud.

      • Authorization Hold: If we are unable to complete the authorization for your payment, we will notify you and cancel the order. Please make sure your payment method has sufficient funds and that the details provided are accurate.

3. Currency and Taxes

      • Currency: All prices on our website are listed in U.S. Dollars (USD). If you are purchasing from a country outside the United States, your payment will be processed in USD, and the currency conversion will be handled by your bank or payment provider.

      • Sales Tax: Sales tax will be added to your order based on the shipping address provided during checkout. The applicable tax rate is determined by the laws of the state or country where the order is being shipped. The total sales tax will be displayed during checkout.

      • Customs Duties and Taxes: For international orders, any applicable customs duties, taxes, or import fees are the responsibility of the customer. These charges are determined by the customs authorities in your country and are not included in the total order cost. Please contact your local customs office for more information about these charges.

4. Payment Security

We take the security of your payment information seriously. All transactions are processed through secure, encrypted payment gateways to protect your sensitive financial data. We use industry-standard encryption technology (SSL) to ensure that your personal and payment details are transmitted securely.

      • PCI Compliance: We follow strict Payment Card Industry (PCI) standards for the protection of your credit card information. Our payment processors are fully PCI-compliant and implement additional security measures to prevent fraud and unauthorized access.

      • Fraud Prevention: We use advanced fraud detection tools to monitor transactions for signs of fraudulent activity. If any suspicious activity is detected, we may contact you to confirm the legitimacy of the transaction. In the event of suspected fraud, we reserve the right to cancel or reject the transaction.

5. Payment Declines and Issues

If your payment is declined, we will notify you via email or phone to inform you of the issue. Common reasons for payment declines include:

      • Insufficient Funds: If there are not enough funds in your account to cover the cost of the order.
      • Incorrect Payment Information: If the billing address, card number, or other payment details are entered incorrectly.
      • Bank or Payment Provider Restrictions: If your bank or payment provider flags the transaction as suspicious or blocks the payment.

If your payment is declined, please review the details you entered and contact your bank or payment provider for assistance. Once you resolve the issue, you can retry the payment process.

6. Payment Terms for Subscription or Pre-Order Products

For any subscription-based or pre-order products, the following payment terms apply:

      • Subscription Payments: If you subscribe to receive products on a recurring basis (e.g., monthly shipments of music accessories), you authorize us to charge your payment method automatically for each subscription period. You can cancel your subscription at any time by contacting us before the next payment is due.

      • Pre-Orders: If you place an order for a pre-order item, you will be charged at the time of purchase. Your pre-order will be processed and shipped once the item becomes available. If there are any delays in the release or shipment of the pre-order item, we will notify you.

7. Order Modifications and Cancellations

Once your payment has been successfully processed and your order is confirmed, we immediately begin processing it for shipment. As such, it is difficult to modify or cancel an order after payment has been completed. However, if you need to make changes to your order, please contact us immediately at info@urbanciteino.com or (740) 894-0188. We will do our best to accommodate your request if the order has not yet been shipped.

If your order has already been shipped, you may be able to return it in accordance with our Return and Refund Policy.

8. Payment Disputes and Chargebacks

In the event that a payment dispute or chargeback is filed with your credit card issuer or payment provider, we will cooperate fully with the payment provider to resolve the issue. If a chargeback is initiated due to a valid dispute (e.g., product not received or faulty), we will investigate the issue and work with you to process a return, exchange, or refund as appropriate.

Please note that fraudulent chargebacks, disputes, or other payment issues may result in a suspension of your ability to make future purchases from UrbanCiteIno.

9. Contact Us

If you have any questions or concerns about our payment methods, payment processing, or security, please do not hesitate to contact us:

By making a purchase on our website, you acknowledge that you have read, understood, and agreed to this Payment Policy. We are committed to providing you with a secure, reliable, and hassle-free shopping experience and appreciate your trust in UrbanCiteIno.