Secure Payments Policy

Secure Payments & Checkout Policy

At Loya Bella LLC, customer safety and satisfaction are at the heart of everything we do. This includes offering a transparent, secure, and seamless checkout experience for all purchases made through our online store.

✅ Accepted Payment Methods

We currently accept the following payment options:

  • Credit & Debit Cards (Visa, Mastercard, American Express, Discover)

  • Digital Wallets: Apple Pay, Google Pay, Shop Pay

  • PayPal

  • Wise (for international cards)

  • Gift Cards (Loya Bella-issued, when applicable)

🔒 Security & Data Protection

All transactions are protected with:

  • 256-bit SSL encryption

  • PCI DSS-compliant payment gateways

  • Tokenized payment processing — we never store your card data

Payments are securely handled by Shopify Payments, PayPal, and Stripe.

💳 Billing Authorization

To protect you from fraud or unauthorized use, we may request:

  • AVS (Address Verification)

  • CVV security code

  • Email confirmation for flagged orders

  • Photo ID for high-risk transactions

Failure to verify billing details may lead to a delay or cancellation.

🧾 Receipts & Billing Documentation

After checkout:

  • You will receive a digital receipt by email

  • A full itemized invoice is available upon request

  • For tax or business receipts, email us at: support@loyabella.com

❗ Failed or Declined Payments

If your payment does not go through:

  • No funds will be withdrawn

  • Please retry with another method

  • Check with your bank if needed (international use or online blocks may apply)

💰 Refunds

  • All approved refunds are issued to the original payment method only

  • Refunds may take 3–7 business days to appear depending on your card provider

  • If a refund is delayed, use the transaction ID to follow up with your provider

📜 Buyer Responsibilities

By checking out on our store, you agree to:

  • Use authorized, valid payment methods

  • Provide accurate billing/shipping details

  • Cooperate with any verification needed

  • Avoid fraudulent chargebacks (these will be pursued legally)

⚖️ Compliance

We comply with:

  • FTC (Federal Trade Commission) guidelines

  • PCI DSS (Payment security standards)

  • CCPA (California Consumer Privacy Act)

  • Applicable U.S. and international e-commerce laws

📩 Contact Us

If you experience any issues during checkout or have questions:
📧 Email: support@loyabella.com
🔗 Order Tracking: See your email or use the Track Your Order page