Payment Policy

1. Accepted Payment Methods

This Payment Policy applies to orders placed through hatmora.com. We accept secure online payments through supported third-party payment service providers. Available payment methods may include American Express, Discover, JCB, Mastercard, Visa, Apple Pay, and Google Pay. The final available payment options may vary depending on your location, device, browser, card issuer, and payment provider requirements at checkout.

2. Transaction Currency

All product prices, shipping fees, taxes if applicable, refunds, and payment transactions on hatmora.com are processed in United States Dollars (USD). If your card or payment account uses another currency, your bank, card issuer, or payment provider may apply currency conversion rates or additional fees. Hatmora does not control exchange rates, foreign transaction fees, or bank service charges.

3. Payment Security

We use secure payment processing systems to help protect customer transactions. Payment information may be transmitted through HTTPS, TLS/SSL encryption, secure checkout pages, payment tokenization, fraud screening, and payment provider security tools. Hatmora does not store customers’ full card numbers, CVV codes, magnetic stripe data, or complete payment account credentials on our website servers.

4. Payment Authorization and Failed Payments

Orders are processed only after payment is successfully authorized and confirmed. If a payment fails, is declined, expires, or is flagged for additional review by the payment provider, your bank, or your card issuer, the order may not be completed or shipped until the issue is resolved. Common reasons for payment failure may include incorrect billing information, insufficient funds, expired cards, bank restrictions, fraud protection checks, unsupported payment methods, or network errors.

5. Refunds to Original Payment Method

Approved refunds will be issued back to the original payment method used at checkout. If your refund is approved under our Return and Refund Policy, the refund will usually be processed within 7 business days after approval or after the returned item is received and inspected, when applicable. Final posting time may depend on your bank, card issuer, card network, digital wallet provider, or payment processor.

6. Payment Disputes and Contact

If you believe a payment was charged incorrectly, duplicated, failed after deduction, or connected to an unresolved order issue, please contact us at support@hatmora.com before opening a payment dispute. Include your order number, payment date, billing name, contact information, and a clear description of the issue. Hatmora will review order records, payment status, shipping information, refund records, and customer communication to help resolve the matter fairly and support payment provider, bank, or card issuer dispute reviews when necessary.