Payment & Billing Policy

1. Scope of This Policy

This Payment & Billing Policy explains how BREEDER MAGIC accepts and processes payments for orders placed on our online store of indoor gardening supplies — from ceramic planters and moss poles to LED grow lights and drip irrigation kits. It covers accepted payment methods, when your card is charged, sales tax, installment financing, fraud screening, and how refunds and chargebacks are handled. By submitting an order, you agree to this policy together with our Terms of Service and Privacy Policy. If anything here is unclear, contact us before completing checkout and we will gladly walk you through it.

2. Accepted Payment Methods

We aim to make paying as flexible as repotting season demands. At checkout you may use any of the following:

• Major credit and debit cards: Visa, Mastercard, American Express, and Discover.
• Digital wallets: PayPal, Apple Pay, Google Pay, and Shop Pay for accelerated one-tap checkout.
• Bank payments: ACH bank transfer through our secure checkout integration (US bank accounts only).
• Installment financing: Affirm and Klarna, subject to lender approval as described in Section 8.
• Peer-to-peer wallets: Venmo and Cash App Pay, where offered at checkout for US customers.

All transactions are processed by PCI DSS Level 1 certified payment providers. BREEDER MAGIC never sees or stores your full card number, CVV, or bank credentials on its own servers. Available methods may vary slightly by device and browser; for example, Apple Pay appears only on Apple devices with a configured wallet.

3. When You Are Charged

For credit and debit cards, we place an authorization hold at the moment you submit your order to verify the card is valid and funds are available. The actual capture (charge) occurs when your order is confirmed and prepared for fulfillment — typically within 24 hours of purchase, and never later than shipment. If we cannot fulfill part of an order, for instance when a self-watering planter sells out between your click and our warehouse pick, we capture payment only for the items that actually ship and release the remainder of the authorization.

Digital wallets, ACH transfers, Venmo, and Cash App Pay are debited at or shortly after order submission, per each provider's processing rules. Pre-order and backordered items are clearly labeled on the product page; for these, we may capture payment at checkout to reserve inventory, and we will state the expected ship window before you confirm the order.

4. Currency and Pricing

All prices on our store are displayed and charged in US dollars (USD). If you pay with a card issued outside the United States, your bank determines the exchange rate and may add a foreign transaction fee; those charges are set by your issuer and are not collected or controlled by BREEDER MAGIC. Product prices do not include shipping or taxes, which are calculated and itemized on the checkout summary before you place the order. We work hard to keep pricing accurate; in the rare event of an obvious pricing error — a 199 USD grow light listed at 1.99 USD — we may cancel the affected order and issue an immediate full refund, and we will notify you before or promptly after cancellation.

5. Sales Tax

BREEDER MAGIC collects state and local sales tax in every US jurisdiction where we have a tax obligation, calculated automatically at checkout based on your shipping address. The exact rate depends on your state, county, and city; combined rates commonly range from 0 percent in states with no general sales tax (such as Oregon, Montana, New Hampshire, and Delaware) to over 9 percent in some localities. The tax amount is always shown as a separate line before you confirm payment.

Tax-exempt organizations — schools, botanical nonprofits, resellers with a valid resale certificate — may email a copy of their exemption documentation to us before ordering. Once verified, we can process qualifying orders without tax or refund tax charged on a recent eligible order placed within the past 30 days.

6. Billing Accuracy and Your Responsibilities

You agree to provide current, complete, and accurate billing and shipping information for every purchase, and to promptly update your account if your card number, expiration date, or billing address changes. Mismatched billing details are the single most common cause of declined or delayed orders. You represent that you are authorized to use the selected payment method and that you are at least 18 years of age or ordering with the consent of a parent or guardian.

If we detect an error in what we charged you — duplicate capture, wrong amount, a shipping fee that should have been waived — we will correct it and refund any overcharge to your original payment method within 5 business days of discovery, without you needing to ask.

7. Declined Payments

If your payment is declined, the order is not created and no merchandise is reserved. Declines are issued by your bank or payment provider, not by us, and the most frequent causes are insufficient funds, an expired card, a billing ZIP code mismatch, or an issuer fraud rule triggered by a first purchase with a new merchant. Practical fixes, in order of success rate: re-enter the card details carefully, confirm the billing address matches your statement exactly, call the phone number on the back of your card to approve the transaction, or switch to another method such as PayPal or Shop Pay.

Authorization holds from declined or abandoned checkouts are released automatically by your bank, usually within 1 to 7 business days. These holds are never captured by us and disappear on their own.

8. Installment Plans: Affirm and Klarna

For larger purchases — a full-spectrum LED grow light setup, a complete drip irrigation kit, a multi-planter bundle — you may split the cost using Affirm or Klarna at checkout. A brief overview:

• Eligibility, credit checks, approval, interest rates (0 to 36 percent APR depending on plan and creditworthiness), and payment schedules are determined solely by the lender, not by BREEDER MAGIC.
• Typical plans include pay-in-4 interest-free installments every two weeks, or monthly financing over 3 to 24 months.
• Your installment agreement is a contract between you and the lender; late fees, autopay rules, and credit reporting follow that lender's terms.
• You remain responsible for scheduled payments even while a return is in transit; once we refund the lender, the lender adjusts or cancels your remaining balance and returns any overpayment per its policy.

9. Refund Handling

All refunds — whether from a return, cancellation, price correction, or warranty remedy — are issued exclusively to the original payment method. Card refunds post within 5 to 10 business days of our release; PayPal, Venmo, and Cash App Pay refunds usually appear within 3 to 5 business days; ACH refunds can take up to 10 business days. Affirm and Klarna refunds are sent to the lender, which recalculates your plan. We cannot redirect a refund to a different card or account, even at your request, as this restriction protects everyone against payment fraud. Full eligibility rules, condition requirements, and the 30-day return window are described in our Returns, Refunds & Exchanges Policy, and warranty remedies in our Warranty Policy.

10. Fraud Screening and Order Verification

To protect our customers and our small team, every order passes automated fraud screening that evaluates signals such as address-verification (AVS) results, CVV match, order velocity, and mismatches between billing, shipping, and IP geolocation. Orders flagged as elevated risk may be held for manual review for up to 2 business days, during which we may email you to confirm order details or request additional verification. If we cannot verify an order, we cancel it and refund any captured amount in full.

We reserve the right to refuse or cancel any order we reasonably believe to be fraudulent, placed by automated means, or in violation of our Terms of Service. Data gathered during screening is handled as described in our Privacy Policy and Cookie Policy.

11. Chargebacks and Billing Disputes

If you see a BREEDER MAGIC charge you do not recognize or believe is incorrect, please contact us first — most billing questions are resolved within one business day, far faster than the 30 to 90 days a formal card dispute typically takes. When a chargeback is filed, your bank freezes the disputed funds and we are required to respond with transaction evidence, which pauses any parallel refund or replacement we were working on until the dispute closes.

We respond to every chargeback with complete documentation, including delivery confirmation and correspondence. Filing a chargeback on an order that was delivered as described, instead of using our return process, may result in the closure of your store account for future purchases. Genuine fraud victims will always be supported fully — if your card was stolen and used on our store, tell us and we will assist your bank's investigation.

12. Promotional Codes and Gift Cards

Discount codes must be entered at checkout and cannot be applied retroactively more than 7 days after an order is placed. One promotional code may be used per order unless the offer states otherwise, and codes have no cash value. Digital gift cards are charged in full at purchase, delivered by email, never expire, and are not redeemable for cash except where state law requires. When an order is paid partly by gift card and partly by card, refunds are returned in the same proportions to each method.

13. Questions and Contact

Billing questions deserve fast, human answers. Reach our Casper, Wyoming team using the details below, visit the Contact Us page, browse the shop, or head back to the homepage. We respond to payment inquiries within one business day, Monday through Friday.