Payment Policy

Welcome to Charmj (accessible at https://charmj.com). We understand that security, flexibility, and absolute clarity regarding financial transactions are vital components of a premium online shopping experience. This Payment Policy outlines our accepted financial instruments, secure transaction frameworks, tax responsibilities, and billing verification procedures for your jewelry purchases, including our custom Bracelets, elegant Earrings, fine Necklaces, and detailed Rings.

By authorizing a commercial transaction on our digital platform, you explicitly acknowledge, agree to, and accept the payment operations, protocols, and fraud mitigation guidelines established below.

1. Accepted Methods of Payment

To accommodate consumer preferences while enforcing industry-standard security protocols, Charmj interfaces directly with major international banking networks and online credit institutions. We accept the following payment instruments:

• Credit and Debit Networks: Visa, Mastercard, American Express (Amex), and Discover.
• Digital Wallets and Express Gateways: Apple Pay, Google Pay, and Shop Pay.
• Alternative Electronic Platforms: PayPal.

Please note that we do not accept cash on delivery (COD), personal bank checks, physical money orders, direct wire transfers, or physical gold/bullion trade-ins for any online store purchases.

2. Complete Pricing Structure and Currency Standards

All pricing models displayed across our collection pages are presented natively in United States Dollars ($ USD). For clarity, our standardized transaction costs are structured as follows:

Financial Element	Pricing Breakdown / Operational Surcharges	Total Assessment Basis
Jewelry Cost Basis	As displayed on item listing sheets (Bracelets, Earrings, Necklaces, Rings)	Variable based on items selected
Standard Domestic Shipping	Flat-rate across all package volumes	$6.99 USD
Sales Tax Liabilities	Calculated dynamically based on state and local nexus guidelines	Calculated at checkout
Processing Surcharges	No hidden charges, payment terminal fees, or restocking taxes	$0.00 (None)

3. Secure Transaction Architecture and Data Protection

Charmj utilizes robust encryption protocols to manage digital data transmissions. Our platform operates via the Shopify platform, which features Level 1 Payment Card Industry Data Security Standard (PCI DSS) compliance.

• SSL Encryption: The entire checkout sequence utilizes 256-bit Secure Sockets Layer (SSL) encryption to establish a protected communication tunnel between your terminal and the banking gateway.
• Tokenized Processing: Credit card numbers are handled via secure tokenization. Charmj never stores, processes, views, or logs your raw card digits or CVV codes within our internal databases.

4. Verification and Anti-Fraud Verification

To prevent unauthorized charge attempts, ensure identity security, and protect consumer assets, Charmj cross-references all transaction profiles using automated fraud-risk tools. Orders that trigger address verification discrepancies may experience short processing holds.

Important Verification Protocol: For successful payment settlement, your input billing address must correspond exactly with the file address kept by your credit card issuing bank. If a temporary fraud check hold is placed on your order, our service team will contact you directly within standard support hours to clarify your details.

5. Point-of-Sale Authorization Mechanics

Your chosen payment option is authorized immediately upon clicking the final confirmation button during the checkout sequence. Fulfillment operations begin following a cleared authorization signal from the processor.

If a transaction fails to complete due to expiration, card limits, or authorization limits, the order is cancelled automatically by our system. Please check your card information or contact your issuing bank directly to resolve authorization issues.

6. Billing Discrepancies and Duplicate Charge Resolution

If you see an unexpected double authorization or line-item discrepancy on your online bank statement, it is often a temporary pre-authorization hold initiated by your bank network. These temporary holds generally resolve automatically within three to five business days.

If a duplicate charge remains posted on your statement, please contact us immediately at support@charmj.com before filing a dispute with your credit institution. We will audit your order history and correct administrative errors within our system immediately.

7. Customer Support Operational Availability

If you have any questions regarding your billing records, invoices, sales tax, or transaction confirmations, please connect with our support team using the communication details below:

All billing questions are thoroughly evaluated by our account team and addressed chronologically. We are committed to maintaining a transparent transactional experience for our clients.