Payment Policy

Last Updated: July 15, 2026

Thank you for shopping with Urbanixity. This Payment Policy explains the payment methods available through our website, payment processing, transaction security, billing currency, payment verification, failed or pending payments, refunds, and procedures for payment-related concerns.

This policy applies to physical products purchased through urbanixity.com.

1. Accepted Payment Methods

Urbanixity accepts the payment methods displayed and available during checkout at the time an order is placed.

Depending on the customer’s country, device, browser, and payment-provider availability, methods may include:

• Visa
• Mastercard
• American Express
• Discover
• Other supported credit or debit cards displayed during checkout
• Apple Pay, where available
• Google Pay, where available
• Other Stripe-supported payment methods displayed during checkout

A payment method is accepted only when it is actively displayed as an option during checkout.

The availability of a particular card, wallet, bank method, or local payment option may vary by country, currency, browser, device, payment provider, or transaction eligibility.

2. Payment Processor

Payments made through Urbanixity.com are processed using authorized third-party payment providers, including Stripe where displayed during checkout.

Payment providers process transactions according to their own security procedures, terms, fraud-prevention systems, and privacy policies.

Urbanixity may receive limited transaction information necessary to identify and support an order, such as:

• Payment status
• Transaction reference
• Payment method type
• Card brand
• Last four digits of a card, where provided
• Authorization, verification, or fraud-screening results

3. Payment Security

Urbanixity uses an HTTPS-encrypted website connection and a supported payment integration intended to transmit payment information securely to the applicable payment processor.

Complete card numbers and card security codes are submitted through the payment interface provided by the applicable payment processor and are not intentionally stored on Urbanixity’s WordPress website servers.

Payment security is a shared responsibility involving Urbanixity, the payment processor, card networks, financial institutions, and the customer.

No online transaction system can be guaranteed to be completely free from every security risk. Urbanixity uses reasonable technical and administrative safeguards and expects customers to protect their devices, accounts, passwords, and payment information.

4. Currency

All product prices, order totals, and payments on Urbanixity.com are displayed and charged in United States dollars (USD), unless another currency is clearly shown during checkout.

Customers using a card or account denominated in another currency may be charged a currency-conversion fee, international transaction fee, or other bank fee by their card issuer, bank, or payment provider.

These external charges are determined by the customer’s financial institution and are not collected or controlled by Urbanixity.

5. Prices, Taxes and Shipping Charges

The product price, applicable taxes, discounts, and final order total will be displayed before the customer submits the order.

Urbanixity provides complimentary standard shipping to destinations available during checkout. Where standard shipping service is available, the standard shipping charge displayed during checkout will be $0.00 USD.

International customers may still be responsible for customs duties, import taxes, clearance fees, brokerage charges, or government-imposed fees charged by the destination country.

These international import charges are separate from Urbanixity’s complimentary standard shipping and are explained in our Shipping Policy.

6. Payment Authorization and Order Submission

When a customer submits an order, the selected payment method may be authorized or charged according to the payment method and payment processor used during checkout.

An order-confirmation email confirms that Urbanixity has received the order. It does not mean the order has already been dispatched.

Before dispatch, an order may be reviewed for:

• Successful payment authorization
• Billing information accuracy
• Shipping-address accuracy
• Inventory availability
• Fraud prevention
• Order validity
• Applicable legal or carrier restrictions

7. Customer Payment Information

Customers are responsible for providing complete and accurate:

• Cardholder or account-holder name
• Billing address
• Payment details
• Email address
• Telephone number
• Shipping information

The customer represents that they are authorized to use the payment method submitted during checkout.

Providing false, unauthorized, or misleading payment information may result in payment rejection, order cancellation, account restriction, or referral to the applicable payment provider or authorities.

8. Payment Verification and Authentication

A payment provider, card issuer, or bank may require additional verification before approving a transaction.

This may include:

• 3D Secure authentication
• A one-time password
• Bank-app approval
• Identity or billing-address verification
• Additional fraud-prevention checks

Urbanixity does not control whether a customer’s bank or payment provider requires additional authentication.

An order will not be confirmed as successfully paid until all required payment steps have been completed.

9. Failed or Declined Payments

A payment may fail or be declined because of:

• Incorrect card or account details
• Insufficient funds or available credit
• An expired card
• Bank or card-issuer restrictions
• Incorrect billing information
• Required authentication not being completed
• Suspected fraud or unusual transaction activity
• Payment-method or regional restrictions
• A temporary payment-provider or network error

If a payment fails, customers should review their details, complete any required verification, try another payment method, or contact their bank or payment provider.

Urbanixity cannot override a payment decision made by a customer’s bank, card issuer, or payment provider.

10. Pending Payments

Some transactions may remain pending while the bank, card network, or payment provider completes authorization or verification.

Urbanixity may wait for confirmation of successful payment before processing or dispatching the order.

If a pending payment later fails or expires, the order may be placed on hold or cancelled. The customer will not be charged again without submitting or approving a new payment.

11. Temporary Authorizations and Duplicate Charges

A declined, cancelled, or incomplete payment attempt may sometimes appear temporarily as a pending authorization on the customer’s bank account.

A pending authorization is not necessarily a completed charge and may be automatically released by the customer’s bank.

The time required to release a pending authorization is controlled by the bank or card issuer.

If a customer believes they were charged more than once for the same order, they should contact Urbanixity with:

• Order number
• Transaction date
• Amount charged
• Last four digits of the applicable card, where appropriate
• A screenshot or bank statement with unrelated sensitive information removed

12. Payment Confirmation

After a payment and order have been successfully submitted, Urbanixity will send an order-confirmation email to the address provided during checkout.

The confirmation may include:

• Order number
• Products ordered
• Billing and shipping information
• Order total
• Payment status or payment-method summary

Customers should ensure that their email address is accurate and check their spam or junk folder if the confirmation is not received.

Customers may contact info@urbanixity.com for assistance.

13. Fraud Prevention and Order Review

Urbanixity and its payment providers may use reasonable fraud-prevention and security measures to protect customers and the business.

An order may be held, declined, limited, or cancelled where there is a legitimate concern involving:

• Unauthorized payment activity
• Payment or billing-information mismatch
• Unusually high-risk transaction indicators
• Repeated failed payment attempts
• Suspected fraud, abuse, or identity misuse
• Applicable legal or payment-network restrictions

Urbanixity may contact the customer to request reasonable order or identity verification.

If Urbanixity cancels a successfully paid order, the applicable amount will be refunded to the original payment method.

14. Order Cancellations

Customers may request order cancellation within 24 hours of placing the order and before dispatch.

Urbanixity will make reasonable efforts to process the request, but cancellation cannot be guaranteed after fulfillment, packaging, or carrier handover has begun.

If an order is successfully cancelled before dispatch, a full refund will be issued to the original payment method.

Urbanixity does not charge a cancellation, administration, or restocking fee for an order successfully cancelled before dispatch.

After dispatch, eligible products may be returned according to our Return & Refund Policy.

15. Refunds

Refund eligibility is determined according to our 30-Day Return & Refund Policy.

Approved refunds are processed by Urbanixity within 7 business days after the applicable return has been received, inspected, and approved, or after an eligible cancellation has been confirmed.

Refunds are submitted to the original payment method used for the transaction.

Urbanixity cannot normally send a card refund to a different card, bank account, wallet, or payment destination.

A refund-confirmation email will be sent where the applicable customer email and payment-provider settings allow it.

16. Refund Posting Time

After Urbanixity submits an approved refund, the customer’s bank, card issuer, or payment provider may require an additional 7–10 business days to display the funds.

In some cases, a refund issued shortly after payment may appear as a reversal, meaning the original pending charge disappears instead of a separate refund being displayed.

Bank and payment-provider posting times are outside Urbanixity’s direct control.

If an expected refund has not appeared after the stated period, customers should:

• Check the applicable bank or card account again
• Contact their bank, card issuer, or payment provider
• Contact info@urbanixity.com with the order number if further assistance is required

17. Failed Refunds

A refund may occasionally fail because the original payment account has been closed, the card details have changed, the bank cannot accept the refund, or another payment-provider issue has occurred.

If Urbanixity receives confirmation that a refund has failed, we will contact the customer and work with the payment provider to arrange an appropriate resolution.

18. Disputes and Chargebacks

Customers who do not recognize a charge or believe there is a payment problem should contact Urbanixity promptly so we can review the order and transaction.

Customers should not intentionally submit a false or misleading dispute or chargeback.

Urbanixity may provide order records, delivery information, customer communications, and transaction evidence to the payment provider when responding to a dispute.

Nothing in this section prevents a customer from exercising legitimate rights available through their bank, card issuer, payment provider, or applicable law.

19. Unsupported Payment Methods

Urbanixity does not accept cash, personal checks, money orders, cash-on-delivery payments, cryptocurrency, or direct bank transfers unless a particular method is expressly displayed and available during checkout.

Customers should not send payment to an email address, personal account, or payment destination that is not shown through the official Urbanixity.com checkout process.

20. Customer Payment Security Responsibilities

Customers should:

• Use a secure and trusted device
• Use a private internet connection where possible
• Protect account passwords and payment credentials
• Review the website domain before submitting payment
• Never send complete card details by email or contact form
• Notify Urbanixity and their bank of suspected unauthorized activity

Urbanixity customer-support representatives will not request a complete card number or card security code by email.

21. Related Policies

Customers should also review:

• Shipping Policy
• Return & Refund Policy
• Privacy Policy
• Terms & Conditions
• Cookie Policy
• Disclaimer

If another general website policy conflicts with this Payment Policy concerning a payment or refund-processing matter, this Payment Policy will apply to that matter, subject to applicable law.

22. Contact Information

23. Payment Policy Updates

Urbanixity may update this Payment Policy to reflect changes in payment methods, payment processors, security procedures, business operations, or legal requirements.

Any revised version will be published on this page with an updated “Last Updated” date.

Existing orders will remain subject to the payment and refund terms presented when the applicable order was placed, unless a change is required by law or is more favorable to the customer.

Nothing in this Payment Policy excludes or limits customer rights that cannot legally be excluded under applicable law.