Payment Policy

Last Updated: September 22, 2026

At SMEDLEY XERQELITH TRADING LLC, we provide secure and convenient payment options for purchases of our women’s lifestyle and home gifts.

This Payment Policy explains the payment methods we accept, payment authorization, order charges, payment security, refunds, and other payment-related matters.

1. Accepted Payment Methods

We currently accept the following payment methods, where available at checkout:

Visa
Mastercard
American Express
Discover
Diners Club
Shop Pay
Apple Pay
Google Pay
PayPal
Other supported digital wallets or payment methods displayed during checkout

The payment methods available to you may vary depending on your device, browser, location, order, and other checkout conditions.

The available payment options and final amount payable will be displayed before you submit your order.

2. Currency

All product prices and checkout totals are displayed in U.S. dollars (USD) unless otherwise clearly indicated.

Your payment provider or financial institution may apply currency-conversion fees or other charges if your payment account is denominated in a currency other than U.S. dollars.

We are not responsible for fees imposed by your bank, card issuer, payment provider, or other financial institution.

3. Payment Authorization

When you place an order, the selected payment method may be subject to authorization or verification by the applicable payment provider.

By submitting an order, you confirm that:

The payment information you provide is accurate;
You are authorized to use the selected payment method; and
You authorize the applicable payment provider to process the transaction for the amount shown at checkout.

An authorization or payment confirmation does not necessarily guarantee that an order will be accepted or shipped.

4. When You Are Charged

Payment is generally processed when you complete your purchase or when the applicable payment provider authorizes the transaction.

If an order cannot be fulfilled or is cancelled after payment has been received, an applicable refund will be issued in accordance with our Return & Refund Policy and applicable law.

5. Payment Security

Payment transactions may be processed through third-party payment processors and payment service providers.

When a third-party payment provider processes your transaction, your payment information may be transmitted directly to that provider in accordance with its security practices and privacy policy.

We do not intend to store complete payment-card information on our own systems when payment processing is handled by a third-party payment provider.

You should never send complete credit-card numbers, security codes, passwords, or other sensitive payment credentials to us by ordinary email.

6. Payment Verification and Fraud Prevention

For security purposes, we may use payment verification and fraud-prevention measures.

We may delay, decline, or cancel an order when there is a reasonable concern involving:

Unauthorized payment activity;
Suspected fraud;
Incorrect payment information;
Payment authorization failure;
Unusual transaction activity; or
Other payment-security concerns.

If an order is cancelled after payment has been successfully collected, we will issue an applicable refund.

7. Payment Declines

If your payment is declined, you may need to:

Verify your payment information;
Confirm that your billing address is correct;
Contact your card issuer or payment provider;
Use another payment method; or
Retry the transaction.

We are not responsible for a payment being declined by a bank, card issuer, payment processor, digital wallet, or other financial institution.

8. Taxes and Additional Charges

Applicable sales taxes and other charges may be calculated based on information available at checkout.

The total amount due, including applicable taxes and shipping charges, will be presented before you complete your purchase.

Your bank, card issuer, or payment provider may separately impose fees that are outside our control.

9. Refunds

Approved refunds will generally be issued to the original payment method used for the purchase.

Once we process a refund, the time required for the refunded funds to appear in your account may vary depending on your bank, card issuer, payment provider, or digital wallet.

For complete information regarding return eligibility, refund conditions, and processing times, please refer to our Return & Refund Policy.

10. Duplicate or Multiple Charges

If you believe you have been charged more than once for the same order, please contact us promptly.

Please provide:

Your order number;
The email address used for the order;
The date of the transaction; and
Any relevant transaction information.

We will review the transaction and work with the applicable payment provider when necessary.

11. Payment Disputes

If you have a question or concern regarding a charge, please contact us before initiating a payment dispute whenever reasonably possible.

Email: support@smedleyxerqelith.com
Phone: +1 (631) 809-6922

We will review the order and payment information and attempt to resolve legitimate payment issues.

Nothing in this section limits any rights or protections available to consumers under applicable law.

12. Third-Party Payment Providers

Payment methods such as PayPal, Shop Pay, Apple Pay, Google Pay, credit cards, debit cards, and other digital payment methods may be provided or processed by independent third-party companies.

Those companies may have their own terms, privacy policies, security procedures, and dispute-resolution processes.

Your use of a third-party payment method may therefore be subject to the applicable provider's terms and policies.

13. Changes to Payment Methods

We may add, remove, or modify available payment methods from time to time.

The payment methods actually available for your order will be shown during checkout.

The availability of a particular payment method may depend on your location, device, browser, order characteristics, or other factors.

14. Contact Us

If you have questions about payment, charges, refunds, or payment methods, please contact us:

SMEDLEY XERQELITH TRADING LLC