Payment Policy

ApexGoods accepts secure payments through trusted processors integrated with Shopify. This policy outlines accepted payment methods, processing details, security measures, and billing practices for all orders.

Accepted Payment Methods

We accept the following payment options at checkout:

Credit and debit cards: Visa, Mastercard, American Express, Discover
Shopify Payments (our primary processor for fast checkout)
Digital wallets: Apple Pay, Google Pay, Shop Pay (where available)
PayPal (including PayPal Express)

All payment methods are processed securely through PCI-compliant gateways. Specific options may vary based on your location and currency.

Payment Processing

When payment is charged: Your payment method is authorized and charged at the time of order placement.
Currency: All prices display and charge in USD (United States Dollars). International customers may incur currency conversion fees from their bank or card issuer.
Taxes: Applicable sales tax, VAT, or duties are calculated and added at checkout based on your shipping address. These appear as a separate line item.
Order totals: Include product price, selected shipping rate, taxes, and any applicable discounts or promotions.

You will receive an order confirmation email immediately after successful payment with your final total and details.

Payment Security

All payment information is encrypted using SSL/TLS technology during transmission.
ApexGoods never stores full credit card numbers on our servers—payment processors handle card data securely.
We use fraud prevention tools to protect against unauthorized transactions. Suspicious orders may require additional verification before processing.

Your transaction details remain confidential and are protected according to our Privacy Policy.

Failed Payments and Disputes

Declined cards: If your payment fails, you will see an error message at checkout. Common reasons include insufficient funds, expired cards, or fraud flags. Try a different card or payment method.
Payment retries: For subscription products or partially processed orders, we may attempt to re-charge your card after 24 hours.
Chargebacks: If you dispute a legitimate charge, contact us first at Contact@Apeexgoods.shop. Chargebacks incur fees that may be passed to the customer.

We reserve the right to cancel orders with repeated payment failures or suspected fraud.

Refunds and Cancellations

Refunds follow our Return & Refund Policy (30-day window, free returns).
Canceled orders before processing receive full refunds to the original payment method.
Processing refunds typically takes 5–10 business days to appear on your statement, depending on your bank.

Shipping fees are generally non-refundable unless the order error is ours.

Subscriptions and Recurring Payments

If ApexGoods offers subscription products:

Billing occurs on the schedule shown at signup (weekly, monthly, etc.).
You can manage or cancel subscriptions anytime through your customer account.
Prorated refunds may apply for early cancellations.

International Payments

For orders shipping outside the United States:

Expect possible foreign transaction fees from your card issuer.
Currency conversion happens at checkout rates; final charges depend on your provider.
Some payment methods may not be available for certain countries—options appear at checkout.

Billing Address Verification

Provide accurate billing details matching your payment method to avoid delays.
Address Verification Service (AVS) may decline mismatched addresses for fraud protection.
We verify billing addresses against shipping addresses for high-risk orders.