Payment & Billing Policy

Last Updated: 08/14/2026

This Payment & Billing Policy explains how payments are handled for purchases made through www.shoppingdreams.net. By submitting an order, you agree to this policy and authorize Shopping Dreams and its payment processor to process the transaction.

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1. Accepted Payment Methods

We accept the payment methods displayed at checkout, which may include eligible credit cards, debit cards, digital wallets, or other methods supported by Stripe. Available methods may vary according to your device, location, order, or card issuer.

We do not accept cash, checks, money orders, or payment methods not shown at checkout.

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2. Payment Processing by Stripe

Payments are securely processed by Stripe, a third-party payment service provider. When you enter payment information, it is transmitted to and processed by Stripe and the relevant financial institutions or payment networks.

We generally do not directly receive or store your complete payment card number or security code. We may receive limited transaction information, such as payment status, card brand, expiration date, last four digits, billing details, fraud-risk information, and a transaction identifier, as needed to process orders, provide support, prevent fraud, and maintain records.

Stripe processes information according to its own terms and privacy practices. More information is available in the Stripe Privacy Center.

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3. Currency, Prices, and Taxes

All prices and charges are displayed in U.S. Dollars unless stated otherwise. The amount shown at checkout may include the product price, shipping charges, sales tax, and other disclosed fees.

If your payment method uses another currency, your bank or card issuer may apply currency-conversion rates or additional fees. Those charges are determined by the financial institution and are not controlled by us.

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4. Authorization and Charges

By placing an order, you confirm that:

• The payment and billing information provided is accurate;

• You are authorized to use the selected payment method; and

• You authorize the total amount shown at checkout to be charged.

A temporary authorization or pending charge may appear before the payment is completed. Depending on the order and payment method, the charge may occur when the order is placed, accepted, or shipped.

An order confirmation does not guarantee that a payment has been approved or that the order has been accepted.

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5. Declined or Failed Payments

Payments may be declined by Stripe, the card issuer, the bank, or another payment provider. Common reasons include incorrect information, insufficient funds, expired cards, security checks, billing-address mismatches, or transaction limits.

We do not control approval decisions and may not receive the specific reason for a decline. If payment fails, verify your details, contact your bank, or try another payment method displayed at checkout.

We will not process or ship an order until the required payment authorization has been received.

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6. Fraud Prevention and Verification

We and Stripe may use automated and manual security measures to identify suspicious or unauthorized transactions. We may request additional information, delay fulfillment, limit an order, or cancel and refund a transaction when reasonably necessary to prevent fraud or comply with law.

Providing false, stolen, or unauthorized payment information is prohibited.

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7. Pricing or Billing Errors

We make reasonable efforts to display accurate prices. If a material pricing, tax, discount, or billing error occurs, we may contact you for instructions or cancel the affected order. If you were overcharged or a canceled order was charged, we will issue an appropriate refund.

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8. Refunds

Eligibility for returns and refunds is governed by our Shipping & Returns Policy. Approved refunds are submitted to the original payment method through Stripe unless otherwise required by law.

After we submit a refund, Stripe, your bank, or your card issuer may require additional time to post the credit. We do not control that processing period. Original shipping fees, return shipping costs, or other deductions will be handled as stated in our Shipping & Returns Policy and applicable law.

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9. Chargebacks and Payment Disputes

If you do not recognize a charge or believe there is a billing problem, contact us promptly at contact@shoppingdreams.net so we can investigate.

You retain any right to dispute a charge with your financial institution. However, filing a knowingly false or fraudulent dispute is prohibited. We may provide order, delivery, communication, and transaction records to Stripe, banks, card networks, or authorities when responding to a dispute or suspected fraud.

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10. Payment Security

Stripe applies payment-security controls and operates within the Payment Card Industry Data Security Standard framework. No online payment method can be guaranteed to be completely secure, and customers should protect their devices, account credentials, and payment information.

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11. Changes to This Policy

We may update this policy to reflect changes in payment methods, service providers, business practices, or legal requirements. The updated version will be posted with a revised "Last Updated" date.

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12. Contact Us

For questions about a payment, charge, or refund, contact:

Shopping Dreams
Email: contact@shoppingdreams.net