Payment Policy

Effective Date: September 16, 2026

Introduction

At Munoz Flower Shop, we are committed to making your checkout experience smooth, transparent, and completely secure. This Payment Policy details the payment methods we accept, our security protocols, how transactions are processed, and important information regarding taxes, pricing, cancellations, and refunds. Please review this policy carefully before placing your order.

Your trust is extremely important to us. Every transaction on our website is protected by industry-leading security measures to ensure your financial information remains safe at all times.

1. Accepted Payment Methods

We offer secure and convenient payment options to make your shopping experience as seamless as possible:

1.1 Credit & Debit Cards

We accept the following major credit and debit cards:

All credit and debit card transactions are processed in U.S. Dollars (USD).

1.2 Payment Requirements

• Your card must be valid and not expired at the time of purchase
• The billing address you provide must match the address on file with your card issuer
• Your card issuer may decline a transaction for reasons including insufficient funds, suspected fraud, or other security holds. If your payment is declined, please contact your card issuer directly for assistance

2. Payment Security

Protecting your financial information is fundamental to our operations. We employ multiple layers of advanced security to safeguard every transaction:

2.1 SSL Encryption

All data transmitted between your web browser and our servers during checkout is protected by 256-bit Secure Socket Layer (SSL) encryption. This ensures that your personal and payment information is encrypted and cannot be intercepted by unauthorized third parties. You can verify our secure connection by looking for the padlock icon and "https://" in your browser's address bar.

2.2 PCI DSS Compliance

We adhere to the Payment Card Industry Data Security Standard (PCI DSS), which is a set of rigorous security standards designed to ensure that all companies that accept, process, store, or transmit credit card information maintain a secure environment. Our compliance with PCI DSS means your card data is handled according to the highest industry security requirements.

2.3 Secure Payment Processing

All payments are processed through trusted, industry-leading third-party payment gateways that specialize in secure financial transaction processing. These gateways employ advanced fraud detection, tokenization, and encryption technologies to protect your data.

2.4 Data Storage Policy

We do not store your full credit or debit card numbers, CVV codes, or expiration dates on our servers. Your payment information is securely tokenized and processed entirely by our third-party payment processors. This means that even in the unlikely event of a security breach, your complete card details are not accessible through our systems.

3. Order & Payment Process

3.1 Payment Authorization

Full payment is required at the time of order placement. When you submit your order, your payment method will be authorized for the total order amount, including the product price, applicable taxes, and any shipping or delivery fees (if applicable). Your order will be processed and prepared for shipment only after successful payment authorization.

3.2 Authorization Holds

Please note that placing an order may result in a temporary authorization hold on your card for the total order amount. This is a standard banking practice to verify that your card is valid and has sufficient funds. The authorization hold is not a charge — the actual charge is processed when your order is confirmed and dispatched. If your order is canceled before shipment, the authorization hold will be released. Release times vary depending on your card issuer, typically within 3–7 business days.

3.3 Order Confirmation

Once your payment has been successfully authorized and accepted, you will receive an order confirmation email containing:

• Your order number
• A detailed summary of the items ordered
• Billing and shipping addresses
• Payment method used (last four digits only)
• Total amount charged
• Estimated processing and delivery timeline

Please save this email for your records. If you do not receive an order confirmation email within 1 hour of placing your order, please check your spam or junk email folder. If the email is not there, contact us at info@munozflowershop.com with your order details.

3.4 Payment Declines

If your payment is declined, your order will not be processed. Common reasons for payment declines include:

• Insufficient funds or credit limit
• Incorrect card number, expiration date, or CVV code
• Billing address mismatch
• Bank security hold or fraud prevention block
• Expired card

If your payment is declined, please verify your card details and try again, or contact your card issuer for further assistance. You may also try using a different card or payment method.

4. Pricing

4.1 Currency

All prices displayed on our website are listed in U.S. Dollars (USD).

4.2 Price Changes

Prices are subject to change without prior notice. However, the price applicable to your order is the price displayed at the time of order placement, as confirmed in your order confirmation email.

4.3 Pricing Errors

We make every effort to ensure that all pricing information on our website is accurate. However, in the rare event of a pricing error — whether due to a typographical error, technical glitch, system malfunction, or incorrect supplier information — we reserve the right to:

• Cancel the order placed at the incorrect price
• Issue a full refund to your original payment method
• Notify you promptly of the cancellation and the reason

We are under no obligation to fulfill any order at an erroneously displayed price, even if an order confirmation email has been sent.

5. Taxes & Fees

5.1 Sales Tax

Applicable sales tax is calculated based on your shipping destination and added to your order total at checkout. Tax rates are determined by state and local regulations and may vary depending on the products purchased and the delivery address.

5.2 Additional Fees

The prices displayed on our product pages and at checkout are final and all-inclusive (excluding applicable sales tax). We do not charge any hidden handling fees, processing fees, service fees, convenience fees, or any other surcharges beyond the displayed price and applicable tax.

6. Order Cancellations & Modifications

6.1 Cancellation Window

You may request to cancel or modify your order within 24 hours of placing it, provided that the order has not yet entered the processing or fulfillment stage. To request a cancellation or modification, please contact us at info@munozflowershop.com with your order number and the details of the change you wish to make.

6.2 Cancellations After Processing

If your order has already entered processing, fulfillment, or has been shipped, it cannot be canceled. In such cases, you will need to wait for delivery and then follow the return process outlined in our Return & Refund Policy.

6.3 Our Right to Cancel

We reserve the right to cancel any order at our sole discretion, including but not limited to situations involving:

• Pricing errors or product unavailability
• Suspected fraudulent, unauthorized, or illegal transactions
• Failure to obtain payment authorization
• Orders that violate our Terms of Service
• Shipping restrictions or delivery limitations

If we cancel your order for any reason, you will be notified via email and a full refund will be issued to your original payment method.

7. Refunds

7.1 Refund Eligibility

Refunds are issued in accordance with our Return & Refund Policy. Not all purchases are eligible for a refund. Please review the Return & Refund Policy for complete details on eligibility, conditions, and timeframes.

7.2 Refund Method

All approved refunds will be credited back to the original payment method used at checkout. For example:

• If you paid with a Visa card, the refund will be returned to that same Visa card
• If you paid with a Mastercard debit card, the refund will be returned to that same debit card

We do not offer cash refunds, checks, or alternative refund methods unless explicitly agreed upon in writing.

7.3 Refund Processing Time

Once a refund is approved and initiated, please allow up to 10 business days for the refund to appear on your statement. Processing times may vary depending on your financial institution and card issuer. Some banks may take an additional 3–5 business days to post the credit to your account.

If you have not received your refund within the stated timeframe, please:

1. Check your bank or credit card statement carefully
2. Contact your bank or card issuer to inquire about pending credits
3. Contact us at info@munozflowershop.com and we will investigate immediately

7.4 Partial Refunds

In certain circumstances, a partial refund may be issued. This can occur when:

• Only a portion of an order is returned
• An item is returned in a condition that does not meet our return eligibility criteria
• A restocking or handling deduction applies (as specified in our Return & Refund Policy)
• Shipping costs need to be deducted for refused or undeliverable orders

You will be notified via email if a partial refund is issued, along with an explanation of the amount and reason.

8. Fraud Prevention & Security Measures

Munoz Flower Shop takes fraud prevention seriously. To protect our customers and our business, we employ the following security measures:

• Address Verification System (AVS): We verify that the billing address provided matches the address on file with your card issuer
• CVV Verification: We require the CVV/CVC security code from your card to confirm that you have physical possession of the card
• Fraud Detection Algorithms: Our payment processors use advanced machine learning and behavioral analysis to detect and flag potentially fraudulent transactions
• Manual Review: High-value orders or orders that trigger security flags may be subject to additional verification before processing

Suspicious Transactions

If we suspect that a transaction is fraudulent, unauthorized, or otherwise suspicious, we reserve the right to:

• Place the order on hold for further verification
• Contact you to confirm the order details
• Request additional identification or verification documents
• Cancel the order and issue a full refund

We will never ask for your full card number, CVV, or PIN via email or phone. If you receive any suspicious communication claiming to be from Munoz Flower Shop, please contact us immediately.

9. Currency & International Transactions

All transactions on our website are processed in U.S. Dollars (USD). If your payment method is issued in a foreign currency, your bank or card issuer may apply a currency conversion fee or use their own exchange rate. Munoz Flower Shop has no control over these charges and is not responsible for any additional fees applied by your financial institution.

10. Contact Us

If you have any questions about payment methods, billing, charges, or need assistance with a transaction, our friendly customer service team is ready to help.

This Payment Policy is effective as of September 16, 2026. Munoz Flower Shop reserves the right to update or modify this policy at any time without prior notice. Please review this page periodically for any changes. Your continued use of our website and services constitutes acceptance of the terms outlined herein.

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