Payment Policy

Effective date: September 14, 2026

1. How We Take Payment

Payments are processed by Stripe. You can pay with the major credit and debit cards Stripe supports at checkout, and with any digital wallet shown on the payment step of your browser and device.

One-time payments only. No hidden fees and no recurring subscriptions. All transactions are processed in US dollars ($).

2. What You Pay

Your total is the item price, plus $7.95 shipping if your subtotal after discounts is under $60, plus sales tax where it applies. Import duties are already included in the item price and are not charged separately. Every one of these lines is shown to you at checkout before you confirm the order.

3. Sales Tax

Sales tax is not included in the displayed price. Where applicable it is calculated at checkout based on your shipping address and displayed before payment.

4. Authorization Holds

When you check out, your bank may place a temporary authorization hold for the order amount. This is not a second charge. If an order is cancelled or a payment fails, the hold is released by your bank, usually within 3 to 5 business days depending on the issuer.

5. Payment Security

Card details are entered on a payment form served by our payment provider and are transmitted over HTTPS with TLS encryption. Payments are processed by third-party payment providers that maintain PCI DSS compliance. We do not receive or store your full card number, expiry date or security code.

6. International Transaction Fees

Some card issuers apply a foreign transaction fee, typically around 3%, when a merchant's payment acquirer is outside the cardholder's country. If your issuer applies such a fee it is charged by your bank, not by us, and we do not receive it. Check with your issuer if you are unsure.

7. Declined Payments

If a payment is declined, the order is not placed and no goods are reserved. Declines usually come from the issuing bank rather than from us — common causes are an address mismatch, an expired card, or a fraud rule on the account. Contact your bank first, then try again.

8. Pricing Errors

If an item is displayed at an incorrect price, we may cancel the affected order even after it has been acknowledged, and we will refund you in full. We will email you before doing so.

9. Chargebacks

If something is wrong with your order, email support@noelcrate.com first. We can almost always resolve it faster than a chargeback, which takes your bank weeks. If you do file a chargeback we will supply the payment processor with the order record, tracking information and our correspondence with you.