Payment Policy

1. Accepted Payment Methods

We accept the payment methods displayed during checkout, including Visa, Mastercard, American Express, Discover, Maestro, PayPal, Apple Pay, and Google Pay. The exact options available for an order may vary according to the customer’s location, device, browser, card issuer, digital wallet configuration, payment account status, and the security requirements of the payment provider. A payment method listed in this policy may not be available for every customer or transaction. All payment options currently available for the order will be shown on the checkout page before payment is submitted and the order is confirmed.

2. Transaction Currency

All transactions completed through spoonvia.com are processed in United States Dollars (USD). Product prices, shipping fees, available discounts, applicable taxes, and the final order total will be displayed in USD during checkout. If the customer uses a payment card, bank account, PayPal account, Apple Pay account, Google Pay account, or digital wallet maintained in another currency, the relevant bank, card issuer, or payment provider may apply a currency conversion rate, international transaction charge, or other fee. These external charges are determined independently and are not set, collected, or controlled by Spoonvia, LLC.

3. Third-Party Payment Processing

Payments are securely processed through independent third-party payment service providers, including Stripe and PayPal. When a customer submits payment, sensitive payment details are transmitted directly through the secure payment environment maintained by the applicable provider. We do not independently process or store complete card numbers, card CVV codes, PayPal account passwords, Apple Pay credentials, Google Pay credentials, or other sensitive payment authentication information on our website servers. We may receive limited transaction records, such as the payment status, transaction reference, payment method type, order amount, authorization result, and refund status.

4. Payment Security and Data Protection

We use reasonable technical and organizational safeguards to help protect the checkout process and order-related payment records. spoonvia.com uses SSL/TLS encryption to help secure information transmitted between the customer’s browser and the website. Stripe and PayPal may use tokenization, encrypted payment transmission, PCI-compliant processing environments, fraud screening, transaction monitoring, card-network security controls, account verification, risk analysis, and 3D Secure authentication where supported or required. Access to limited payment records is restricted to authorized personnel who require the information for fulfillment, refund processing, accounting, fraud review, customer support, or dispute handling.

5. Payment Authorization, Failure, and Disputes

An order is not fully confirmed until the payment has been successfully authorized. A transaction may be declined, interrupted, reversed, delayed, or placed under security review because of insufficient funds, incorrect billing details, expired card information, issuer restrictions, failed authentication, bank fraud controls, PayPal account limitations, digital wallet configuration, unusual transaction activity, or processor requirements. If authorization is unsuccessful, the order may remain pending or may not be completed. Customers who believe that a payment was duplicated, charged incorrectly, or made without authorization should contact us at [email protected] so that we can review the order record. Customers may also contact the applicable bank, card issuer, Stripe, or PayPal.

6. Refunds to Original Payment Method

Approved refunds are issued only to the original payment method used for the order. Where a product return and inspection are required, refund processing begins after the returned product has been received, inspected, and approved under our Return & Refund Policy. Once the refund has been submitted, the refunded amount generally appears on the original payment method within about 7 business days, although the exact timing may vary depending on the customer’s bank, card issuer, Stripe, PayPal, Apple Pay, Google Pay, or another payment provider. Shipping fees, taxes, discounts, partial refunds, and return-related costs will be handled according to the applicable order circumstances and our published policies.