Payment Methods Policy

Last Updated: September 10, 2026

At Wearcut, we aim to provide customers with secure, clear, and convenient payment options when purchasing women's handbags through wearcut.com.

This Payment Methods Policy explains the payment methods we accept, how payments are processed, when charges are authorized, and how pricing, taxes, shipping fees, refunds, and payment security are handled.

Summary

1. Accepted Payment Methods

Wearcut accepts the following payment methods for eligible purchases made through wearcut.com.

Credit and Debit Cards

We accept cards issued through the following payment networks:

• Visa
• Mastercard
• American Express
• Discover
• Diners Club
• Elo
• JCB
• UnionPay

Customers may use an eligible credit or debit card bearing one of these supported network brands, subject to approval by the issuing bank or payment provider.

Express Checkout and Digital Wallets

We also support the following express checkout and digital wallet options:

• Shop Pay
• PayPal
• Google Pay
• Apple Pay
• Venmo

These payment options may require the customer to have an active account, compatible device, eligible card, or supported payment method with the applicable provider.

2. Payment Currency

All prices and transactions on wearcut.com are presented and processed in:

United States Dollars (USD)

Customers are responsible for reviewing the displayed currency before completing checkout.

If a bank, card issuer, or payment provider performs any currency conversion independently, any applicable conversion rate or provider fee is controlled by that provider and is not charged by Wearcut.

3. Product Pricing

Product prices are clearly displayed on the applicable product pages before checkout.

Customers can review:

• Product price
• Product quantity
• Selected product options
• Shipping charge
• Applicable total amount

before completing payment.

We do not intentionally add undisclosed mandatory charges after an order is submitted.

4. Taxes

Product prices displayed on wearcut.com include applicable taxes according to our store pricing configuration.

The customer will be able to review the order total before completing payment.

No separate undisclosed tax charge will be intentionally added after payment confirmation.

5. Shipping Charges

Wearcut charges a standard shipping fee of:

$6.99 per order

This shipping fee applies to eligible orders shipped within the United States.

There are no additional standard shipping or handling fees beyond the amount displayed at checkout.

The shipping charge is shown before the customer submits payment.

For complete shipping information, please review our Shipping Policy.

6. Order Total

Before completing payment, customers will have an opportunity to review the total order amount.

The order total may include:

• Product price
• Product quantity
• Included applicable taxes
• Standard shipping fee of $6.99
• Any valid discount applied at checkout, where available

The final amount payable will be displayed before payment authorization.

7. Credit and Debit Card Payments

When paying by credit or debit card, customers may be asked to provide:

• Cardholder name
• Card number
• Expiration date
• Security code
• Billing address
• Other information required by the payment processor or card issuer

Payment approval is subject to authorization by the customer's card issuer and applicable payment processor.

Wearcut cannot guarantee approval of a payment transaction that is declined by a financial institution.

8. Visa

Wearcut accepts eligible Visa credit and debit cards.

Visa transactions are subject to authorization and security checks by the card issuer and payment processor.

9. Mastercard

Wearcut accepts eligible Mastercard credit and debit cards.

Transactions must be successfully authorized before an order can be processed.

10. American Express

Wearcut accepts eligible American Express cards.

Customers must provide accurate billing and payment information when completing checkout.

11. Discover

Wearcut accepts eligible Discover cards.

Payment authorization is handled through the applicable payment processing network and card issuer.

12. Diners Club

Eligible Diners Club cards are accepted through our checkout where supported.

The issuing institution may apply its own account, verification, or authorization requirements.

13. Elo

Eligible Elo cards may be used through our supported checkout system.

Authorization remains subject to the issuing institution and payment processor.

14. JCB

Wearcut accepts eligible JCB cards through the checkout.

The payment must be successfully authorized before the purchase is confirmed for processing.

15. UnionPay

Eligible UnionPay cards are supported through our checkout.

Transactions remain subject to approval by the applicable financial institution or payment processor.

16. Shop Pay

Customers may use Shop Pay for eligible purchases.

Shop Pay may allow eligible customers to complete checkout using payment and delivery information stored with the service.

Use of Shop Pay is also subject to the provider's applicable terms and privacy practices.

17. PayPal

Wearcut accepts eligible payments through PayPal.

When PayPal is selected, the customer may be redirected or prompted to authenticate through PayPal.

The customer is responsible for ensuring that the PayPal account and selected payment method contain accurate and valid information.

18. Google Pay

Eligible customers may use Google Pay during checkout.

Google Pay availability may depend on:

• Device compatibility
• Browser compatibility
• Account configuration
• Eligible payment method
• Provider support

Transactions are subject to successful authorization.

19. Apple Pay

Eligible customers may use Apple Pay when supported by their device, browser, account, and payment method.

Customers may be required to authenticate the transaction using the security method configured on their device.

20. Venmo

Eligible customers may use Venmo during checkout where the option is available.

Venmo transactions are subject to the customer's account status, available payment source, and authorization through the applicable payment provider.

21. Payment Authorization

When an order is placed, the selected payment method must be successfully authorized.

Payment authorization may include verification of:

• Available funds or credit
• Billing details
• Card validity
• Account status
• Fraud-prevention information
• Security authentication

If authorization fails, the order may not be completed.

22. When Payment Is Charged

The applicable order amount is authorized or charged through the selected payment method as part of the checkout and order-processing process.

Customers will be shown the amount payable before confirming their purchase.

The exact timing of how a transaction appears on a customer's statement may depend on the issuing bank, card provider, or digital wallet service.

23. Payment Confirmation

After a successful order submission, customers may receive an order confirmation using the email address provided during checkout.

The confirmation may include:

• Order number
• Purchased items
• Order amount
• Shipping information
• Payment status
• Other relevant order details

Customers should review the confirmation and contact us if they identify an error.

24. Failed or Declined Payments

A payment may be declined for reasons including:

• Insufficient funds
• Incorrect card details
• Expired card
• Incorrect billing address
• Security verification failure
• Card issuer restrictions
• Fraud-prevention controls
• Payment provider restrictions

If a payment is declined, customers should verify their information or contact their bank or payment provider.

Wearcut does not control the approval decisions of independent financial institutions.

25. Payment Verification

In some cases, additional verification may be necessary before an order can be processed.

Verification may be used to protect customers and our store against unauthorized transactions or fraud.

We may review or request reasonable information relating to:

• Billing information
• Shipping information
• Payment authorization
• Order details

We will not request sensitive payment credentials through insecure communication channels.

26. Payment Security

Wearcut takes payment security seriously.

Payment transactions may be processed using third-party payment infrastructure designed to protect sensitive financial information.

Security measures may include:

• Encrypted connections
• Secure checkout technology
• Fraud detection
• Payment authorization controls
• Authentication mechanisms
• Access restrictions

We do not intentionally request customers to send complete card numbers, card security codes, or banking passwords by ordinary email.

27. Card Information

Where payment information is entered through a secure checkout, complete payment card information may be handled directly by authorized payment providers.

Wearcut may receive limited transaction information necessary to:

• Confirm payment
• Process orders
• Issue refunds
• Manage disputes
• Detect fraud

Our treatment of personal information is further explained in our Privacy Policy.

28. Billing Information

Customers are responsible for providing accurate billing information.

Incorrect billing information may result in:

• Payment decline
• Delayed order processing
• Additional payment verification
• Order cancellation where payment cannot be verified

Billing information should correspond with the information associated with the selected payment method where required by the issuer.

29. Fraud Prevention

We may review, hold, or cancel a transaction where there is a reasonable basis to suspect:

• Unauthorized card use
• Payment fraud
• Identity misuse
• False billing information
• Account compromise
• Abusive transactions
• Other unlawful activity

Fraud-prevention measures are intended to protect both customers and Wearcut.

If a paid order is canceled, any applicable refund will be handled in accordance with our policies and applicable law.

30. Duplicate Charges

If you believe you have been charged more than once for the same order, contact us at:

support@wearcut.com

Please provide:

• Your full name
• Order number
• Transaction date
• Amount charged
• Relevant payment information, excluding complete card numbers or security codes

We will review the transaction records and assist with the issue where appropriate.

31. Pending Charges

A pending payment authorization may occasionally appear on a customer's bank or card account.

The duration of a pending authorization is controlled by the financial institution or payment provider.

If an order was not successfully completed but a pending authorization remains, the customer's bank or provider may require additional time to release the authorization.

32. Payment Errors

If the wrong amount appears to have been charged, contact:

support@wearcut.com

We will review:

• Order amount
• Product pricing
• Shipping charge
• Payment records
• Applicable refund or adjustment

Verified payment errors will be addressed in accordance with applicable law and our policies.

33. Pricing Errors

We make reasonable efforts to display accurate product prices.

If a clear pricing, technical, or typographical error affects an order, we may contact the customer before fulfillment.

We will not increase a completed transaction amount without proper authorization.

Where an affected order must be canceled, any applicable amount already collected will be refunded.

34. Discounts and Promotional Codes

Where promotional codes or discounts are offered, they must be entered or applied according to the stated conditions.

Applicable limitations may include:

• Validity dates
• Product eligibility
• Minimum purchase requirements
• One-time use restrictions
• Account-specific eligibility

The final discounted amount will be displayed before payment is completed.

35. Refunds

Approved refunds are generally issued to the original payment method used for the purchase.

For eligible returns, refunds are processed within:

7 business days after the returned item is received, inspected, and approved

For approved order cancellations, the applicable refund may be processed after cancellation approval.

Please review our Return & Refund Policy and Order Cancellation & Change Policy for complete details.

36. Refund Posting Time

After Wearcut processes a refund, the customer's financial institution or payment provider may require additional time to post the funds.

This additional posting period is controlled by:

• Card issuers
• Banks
• PayPal
• Digital wallet providers
• Other payment services

Wearcut cannot control the internal posting speed of an independent financial institution.

37. Refunds to Original Payment Method

For security and transaction integrity, refunds are normally returned to the original payment method.

We generally cannot redirect a refund to an unrelated:

• Credit card
• Debit card
• Bank account
• PayPal account
• Digital wallet
• Third-party payment method

If the original payment method is no longer available, contact support@wearcut.com for assistance.

38. Chargebacks and Payment Disputes

If you believe there is a problem with your payment or order, we encourage you to contact us first at:

support@wearcut.com

We will review legitimate payment, shipment, return, or refund concerns.

If a payment dispute or chargeback is opened, we may provide relevant transaction information to the payment processor or financial institution, including:

• Order confirmation
• Payment records
• Shipping information
• Tracking details
• Delivery confirmation
• Customer communications
• Refund information

This information may be used solely for legitimate dispute resolution, fraud prevention, or legal purposes.

39. Payment Provider Terms

Third-party payment providers may have their own:

• Terms of service
• Privacy policies
• Security requirements
• Account rules
• Transaction limits
• Eligibility requirements

Customers using these payment services are also subject to the applicable provider's terms.

40. Personal Information and Payments

Payment-related personal information is handled according to our Privacy Policy.

Depending on the transaction, relevant information may be shared with:

• Payment processors
• Banks
• Card networks
• Fraud-prevention providers
• Digital wallet providers
• Other service providers necessary to complete the transaction

We aim to limit the information used to what is reasonably necessary for payment and order processing.

41. International Payments

Wearcut currently ships only within the United States.

Orders with delivery addresses outside the United States are not supported under our current shipping policy.

Supported payment methods are intended for eligible transactions associated with orders that can be fulfilled within our service area.

42. Payment Method Availability

The payment options displayed during checkout represent the methods available for the particular transaction.

Certain payment methods may depend on:

• Browser
• Device
• Customer account
• Payment provider
• Card issuer
• Technical availability
• Eligibility requirements

If a particular express checkout option is not displayed, customers may select another available supported payment method.

43. Order Processing After Payment

A successful payment does not change our normal fulfillment schedule.

Our standard order timeline is:

For full delivery details, please review our Shipping Policy.

44. No Hidden Payment Fees

Wearcut does not intentionally impose undisclosed payment-processing fees on customers.

For standard purchases:

• Product prices are displayed before checkout.
• Applicable taxes are included in product prices.
• Standard shipping is $6.99.
• The total payable amount is shown before purchase confirmation.

A customer's bank or independent payment provider may impose its own fees under that customer's separate agreement with the provider. Those third-party fees are not collected by Wearcut.

45. Customer Responsibility

Before completing payment, customers should review:

• Product selection
• Product quantity
• Product price
• Shipping address
• Billing information
• Shipping fee
• Order total
• Selected payment method

Customers should not complete payment unless the displayed order information is accurate.

46. Changes to This Policy

Wearcut may update this Payment Methods Policy if our:

• Payment options change
• Checkout systems change
• Payment processors change
• Pricing practices change
• Security procedures change
• Legal obligations change

The current version will be published on wearcut.com with the latest revision date.

47. Contact Us

For questions about payments, charges, refunds, billing information, or order transactions, contact:

When contacting us about an existing transaction, please include your order number whenever possible.

For security, do not send your complete payment card number, card security code, online banking password, or digital wallet password by email.