Payment &
Billing Policy

Overview and Scope

This Payment and Billing Policy explains how BAKXYSHAKE accepts payment, charges for orders, applies tax, and manages issues such as declined payments, verification, and chargebacks. It applies to all purchases made through the BAKXYSHAKE online store for customers in the United States, and it works alongside our Terms of Service, Returns, Refunds and Exchanges Policy, and Shipping and Delivery Policy.

By placing an order and submitting payment, you confirm that you are authorized to use the payment method provided, that the billing information you enter is accurate and complete, and that you agree to pay the total shown at checkout, including the price of the items, any applicable tax, and any shipping charges. Placing an order is an offer to purchase; a binding sale is formed when we accept and process your payment and confirm the order.

Accepted Payment Methods

We support the payment methods commonly used by shops and independent buyers in the United States. Available options are shown at checkout and may include the following, subject to eligibility and the option being enabled for your order:

• Major credit and debit cards, including Visa, Mastercard, American Express, and Discover.
• PayPal, using your PayPal balance or a linked funding source.
• Apple Pay and Google Pay for fast, device-based checkout.
• ACH and bank transfer, where offered, for direct payment from a US bank account.
• Buy-now-pay-later services offered by our checkout providers, subject to their approval and terms.
• Gift cards and store credit issued by BAKXYSHAKE, which may be applied to eligible orders.

The specific methods available can vary by order value, item, and account type, and third-party options such as PayPal or buy-now-pay-later are governed by their own agreements between you and that provider. We may add or remove supported methods at any time.

Authorization and Capture

When you place an order, your payment provider may first place an authorization on your account. An authorization confirms that funds or credit are available and reserves the order amount; it is not a completed charge. In most cases we capture payment, meaning we complete the charge, when your order is accepted and prepared for fulfillment.

You may see a temporary pending entry for the authorization before the final charge settles. Authorizations that are not captured are released by your bank according to its own timelines, which are outside our control. If an order is cancelled before capture, the authorization is not charged and is released in the same way. For certain payment methods, funds may be captured at the time the order is placed; the checkout will indicate when this is the case.

You will not be charged more than the total shown at checkout for a given order. Any adjustment, such as a refund following a return, is handled under our Returns, Refunds and Exchanges Policy.

Currency and Pricing

All prices on the BAKXYSHAKE store and all charges are stated and processed in United States Dollars (USD). Prices are shown before tax and shipping unless stated otherwise, and the full amount payable, including tax and any shipping, is displayed on the order summary before you confirm your purchase.

We work to keep pricing accurate, but prices are subject to change and are confirmed at the moment of checkout. If your card or account is denominated in another currency, or you pay from outside the United States through a supported method, your bank or provider may apply its own conversion rate and foreign transaction fees; those charges are set by your provider and are not controlled or received by BAKXYSHAKE.

Sales Tax

Applicable United States sales and use tax is calculated based on the shipping destination, the nature of the items, and the rates in effect at the time of purchase. The tax amount is shown on your order summary at checkout and is added to the total you pay. Tax rates and rules are set by state and local authorities and can change; the figure calculated at checkout reflects the rules that apply to your order.

Qualifying resale or tax-exempt business customers may be eligible to purchase without sales tax on eligible orders, provided a valid exemption or resale certificate is on file and accepted before the order is placed. If you hold a valid exemption, contact us to arrange this before checkout, as we may not be able to retroactively remove tax from a completed order. You are responsible for any use tax you owe on purchases where sales tax was not collected.

Billing Accuracy and Your Responsibilities

You agree to provide current, complete, and accurate billing and payment information, including your name, billing address, and payment details, and to keep this information up to date. Incorrect or mismatched billing information is a common cause of declined or delayed orders, because payment providers check the details you enter against the records held by your bank.

You are responsible for all charges incurred under your order and payment method, and for ensuring that sufficient funds or credit are available. If you believe your information has been used without your authorization, contact your bank or card issuer immediately and then notify us so we can assist. We may contact you to confirm details before completing an order where information appears incomplete or inconsistent.

Failed and Declined Payments

If a payment is declined or fails to process, your order will not be confirmed and the items will not be dispatched. Payments can fail for many reasons, including insufficient funds, an expired card, a billing address mismatch, exceeded limits, or a security hold placed by your bank. In most cases the fastest resolution is to check the details, contact your bank if needed, and try again or use an alternative supported method.

Where a payment is declined after an authorization was placed, your bank may briefly show a pending entry that is released without a charge, according to its own schedule. If a scheduled or installment payment through a buy-now-pay-later provider fails, that provider's terms govern retries, fees, and consequences. We reserve the right to cancel or hold an order that we are unable to charge successfully.

Fraud Prevention and Verification

To protect our customers and our business, orders may be screened for signs of fraud or unauthorized use. This screening is carried out by our payment processors and checkout providers using industry-standard tools, and it may consider factors such as address verification, security codes, device and location signals, and order patterns.

As part of this process, we may place an order on hold and ask you to verify information before we fulfill it, or we may decline or cancel an order we reasonably believe to be fraudulent, unauthorized, or in breach of our terms. Verification requests are made to keep your account and payment method safe; providing the requested confirmation promptly helps release a legitimate order without delay. We do not use these tools to discriminate unlawfully, and any additional information collected during verification is handled under our Privacy Policy.

Chargebacks and Disputes

If you have a concern about a charge, we ask that you contact us first. Most issues, including a return, a refund, a duplicate charge, or an unexpected amount, can be resolved quickly and directly using the details at the end of this policy. Reaching out to us is almost always faster than opening a formal dispute with your bank.

A chargeback filed with your card issuer without first contacting us can delay resolution, because it moves the matter into a formal process governed by the card networks. Where we receive a chargeback, we will respond with the relevant order and delivery records. If a chargeback is found to be invalid, or is raised for an order that was properly fulfilled and not eligible for a refund under our policies, we reserve the right to recover the amount owed and any associated costs, and to decline future orders. Nothing here limits your genuine right to dispute an unauthorized or erroneous charge.

Wholesale Invoicing and Net Terms

Business and wholesale customers may, at our discretion and subject to approval, be offered invoicing arrangements such as payment on net terms rather than immediate payment at checkout. Any such arrangement is set out in your business account agreement or the Wholesale and Business Customer Terms and applies only where we have confirmed it in writing.

Where net terms are granted, invoices are payable in USD by the due date stated on the invoice, using the methods we specify. Orders may be placed on hold where an account has overdue balances, and we may require payment in advance, reduce or withdraw credit terms, or apply reasonable late-payment charges consistent with the agreed terms and applicable law. Standard online orders that are not covered by an approved invoicing arrangement are paid at checkout in the usual way.

Payment Security and PCI Compliance

Payments are processed by established third-party payment providers that specialize in secure transactions. Card and bank details are collected and handled by these providers within their own secure, encrypted systems, which are designed to meet the Payment Card Industry Data Security Standard (PCI DSS). BAKXYSHAKE does not store full card numbers on its own systems.

Sensitive payment data is transmitted over encrypted connections and is handled by the processor rather than passed through and retained by us. While no method of transmission or storage can be guaranteed to be completely secure, we and our providers apply appropriate technical and organizational measures to protect your information. Our handling of the personal information associated with your order is described in our Privacy Policy, and your use of a third-party payment method is also subject to that provider's own terms and security practices.