Payment Policy
Effective Date: January 13, 2025

Introduction
At Kids Topic, we strive to make your shopping experience convenient, safe, and secure. This Payment Policy provides information about the payment methods we accept, how we process payments, and how we protect your payment details. Please read through this policy to understand how payments are handled.

Accepted Payment Methods
We accept a variety of payment methods to make your checkout process as easy as possible. You can pay using the following options:

• Credit and Debit Cards: We accept Visa, MasterCard, American Express, and Discover credit and debit cards. Simply enter your card details during checkout to process your payment.
• PayPal: You can also use PayPal for secure payment. PayPal allows you to use your PayPal balance or link a credit card or bank account to complete your purchase.
• Apple Pay: Apple Pay is available for customers with Apple devices, offering a fast and secure payment option.
• Google Pay: Google Pay is accepted for users with Android devices, allowing you to quickly complete your purchase.

All transactions are securely processed through industry-standard encrypted payment gateways to protect your financial information.

Billing Information
For payment processing, you will need to provide accurate billing information, including your name, billing address, phone number, and email address. The billing address must match the one associated with your payment method to avoid any delays in processing your order.

If you need to update your billing information after submitting your order, please contact us immediately at info@kidstopic.click to ensure your payment can be processed correctly.

Sales Tax
Sales tax is calculated based on the shipping address and in accordance with applicable state and local tax laws. The amount of sales tax will be automatically calculated during checkout and shown before you finalize your purchase.

If you have any questions regarding sales tax, feel free to reach out to us.

Order Confirmation
Once your payment is successfully processed, you will receive an order confirmation email containing your order details, payment information, and estimated shipping date. Please save this email for your records as it serves as proof of purchase.

If you do not receive a confirmation email, please check your spam or junk folder. If it is not there, please contact us at info@kidstopic.click for assistance.

Payment Security
We prioritize the security of your personal and payment information. We use secure encryption technology to protect all transactions. Your payment details are not stored on our servers, and all transactions are processed through PCI-DSS compliant third-party payment gateways.

Our website also employs other industry-standard security measures to ensure that your payment information is safe and protected from unauthorized access.

Payment Declines and Cancellations
If your payment is declined due to incorrect billing information, insufficient funds, or other issues, we will notify you and request that you update your payment details. Once the correct information is provided, you can resubmit your order for processing.

If you wish to cancel your order, please contact us within 24 hours of placing it. If the order has already been shipped, cancellation may not be possible, but you can initiate a return following our Return Policy.

Fraud Prevention
To protect against fraudulent activity, we monitor all orders closely. If we suspect fraud, we may request additional verification of your information before processing your order. In some cases, we may cancel an order if fraud is detected and may contact law enforcement authorities if necessary.

Payment Disputes
If you have a dispute with a payment, please contact us at info@kidstopic.click. We are committed to resolving payment-related issues quickly and fairly. If the dispute involves your payment provider, we may request further documentation to help resolve the matter.

Refunds
If you are eligible for a refund, it will be processed to the original payment method. Refunds typically take 5-7 business days to reflect in your account, depending on the payment provider.