Payment Policy

At Rayz Mart, we believe in providing a safe, transparent, and seamless payment experience for every customer. This Payment Policy outlines the methods we accept, how payments are processed, the security measures we follow, and what customers can expect before, during, and after completing a purchase. Every detail is explained clearly so that customers understand how their transactions are handled and what protections are in place to ensure trust and reliability.

Our goal is to maintain a smooth checkout process, prevent payment issues, decrease transaction delays, and protect customers from unauthorized charges. Whether you are paying through a credit card, debit card, or digital wallet, this policy ensures customers know exactly how payments are collected, verified, and secured. We value clarity and honesty, and this policy reflects that commitment.

Accepted Payment Methods

Credit & Debit Cards

Rayz Mart accepts all major credit and debit cards, including:

• Apple Pay
• Maestro

• Mastercard

• PayPal

• Shop Pay

• Visa

These payment methods allow customers to complete secure and fast transactions directly at checkout.

Prepaid & Gift Cards

Some prepaid cards and gift cards may be accepted depending on card issuer limitations. Customers must ensure that their cards are authorized for online purchases.

Payment Authorization & Order Confirmation

Pre-Authorization Process

When an order is placed, Rayz Mart may run a preliminary authorization check to verify:

• Availability of funds

• Validity of the payment method

• Fraud or risk indicators

• Matching billing address

This pre-authorization does not constitute a completed charge; rather, it ensures the transaction can be processed smoothly.

Final Payment Capture

Payment is fully charged only after:

• The order has been confirmed

• The items have begun processing

• No risk alerts or discrepancies exist

Customers receive an email confirmation with details of the payment, order number, and purchased items.

Failed Authorizations

If a payment fails authorization, the order is not processed. Customers may need to:

• Use another payment method

• Contact their bank

• Ensure sufficient balance

• Verify that their card supports online transactions
  
  

Security & Fraud Prevention

Encrypted Payment Gateways

All payments processed through Rayz Mart use secure, encrypted payment gateways. We rely on PCI-DSS-compliant technology to safeguard customer data and prevent unauthorized access.

No Storage of Sensitive Payment Data

Rayz Mart does not store:

• Full credit card numbers

• CVV codes

• Bank login credentials

Payment details are securely processed by certified third-party payment processors.

Fraud Monitoring & Automatic Screening

Our system automatically checks for irregularities such as:

• Suspicious billing details

• High-risk locations

• Duplicate transactions

• Mismatched addresses

Orders flagged for review may require additional verification for customer protection.

Taxes & Currency

Applicable Taxes

All purchases are subject to applicable state, federal, or local taxes based on the customer’s shipping address. Taxes are calculated and clearly displayed at checkout before payment is finalized.

Currency

All prices on our website are displayed and charged in USD (United States Dollar). Customers using international payment methods may be subject to currency conversion fees by their bank or card provider. Since Rayz Mart ships only within the United States, international charges typically apply only when customers use non-US cards.

Payment Confirmation & Receipts

Email Receipt Issuance

Once payment is successfully processed, customers receive a detailed email receipt that includes:

• Order number

• Date and time of purchase

• Items purchased

• Shipping method

• Tax and total amount

• Payment method used

This email serves as proof of purchase and should be saved for reference.

Duplicate Charges

If a customer sees a duplicate charge, it is often a temporary authorization hold. Authorization holds typically disappear within a few business days. If the duplicate charge persists beyond this period, our support team can assist in investigating and resolving the issue.

Order Cancellations & Payment Adjustments

Cancellation Before Processing

Customers may cancel an order before processing begins. If successfully cancelled, the payment is voided or refunded depending on the method used.
  Refunds follow our Return & Refund Policy guidelines.

Failed Deliveries or Out-of-Stock Adjustments

If an item becomes unavailable after a payment is completed:

• Customers are notified

• A full refund is issued

• The refund is processed back to the original payment method

Partial Refunds or Adjustments

Partial refunds (for unavailable items, incorrect charges, or applied discounts) are issued back to the same payment method. Customers always receive an email explaining the reason and amount.

Refunds for Returned Items

Refund Eligibility

Refunds for returned products follow our Return & Refund Policy. Customers must initiate a return request within the allowed window and return the product in acceptable condition.

Refund Method

Refunds are issued only to the original payment method used at checkout. We do not issue cash refunds, store credits (unless requested), or refunds to alternate payment accounts.

Refund Timeline

After the returned item is received and inspected, refunds are processed within 10 days. Processing time may vary depending on a customer’s bank or payment provider.

Disputes & Chargebacks

Resolution Before Chargeback

We strongly encourage customers to contact us before filing a chargeback. The majority of payment disputes are resolved faster and more efficiently when handled directly through our support team.

Chargeback Handling

If a chargeback is filed:

• We submit full supporting documentation

• We work with the payment provider to investigate

• Processing may take several weeks

Customers should only file a chargeback when all other resolution options have been exhausted.

Payment Errors & Technical Issues

Failed Payment Attempts

If payment fails due to technical issues:

• Try using another browser

• Clear cache and cookies

• Ensure the card supports online payments

• Contact the bank for authorization

Our support team can also help troubleshoot checkout issues.

Accidental Duplicate Orders

If a customer mistakenly places more than one order, they should contact us immediately. We will cancel unneeded orders as long as they have not entered processing.

Customer Support for Payment Inquiries

Customers with questions or concerns about payments, receipts, refunds, or billing may contact us at support@rayzmart.com. Our team responds during business hours to ensure timely assistance.

Business Details

 

Business Name: Rayz Mart
Business Hours: 08:00 AM to 4:00 PM (Monday to Friday)
Business Number: +1 (512) 543 0339
Business Email: support@rayzmart.com
Business Address: 5900 Balcones Dr, Austin, Texas 78731, United States