Payment & Security Policy

PAYMENT & SECURITY POLICY

Last Updated: 09/08/2025

ACCEPTED PAYMENT METHODS

We accept the following secure payment methods for your convenience:

CREDIT & DEBIT CARDS

Visa – All Visa credit and debit cards
Mastercard – All Mastercard credit and debit cards
Cards must be valid and have sufficient funds or available credit
International cards accepted (subject to issuing bank approval)

DIGITAL WALLETS

PayPal – Pay directly from your PayPal account or use PayPal’s guest checkout
Apple Pay – Quick and secure payment using Touch ID, Face ID, or device passcode
Digital wallet transactions are processed through the respective payment provider’s secure systems

PAYMENT PROCESSING

All payments are processed in US Dollars (USD)
Payments are charged at the time of order placement
Authorization may appear immediately; final charge occurs upon order processing
International customers may incur currency conversion fees from their bank

PAYMENT SECURITY

SSL SECURE CHECKOUT

🔒 SSL Certificate Protection

All payment pages use 256-bit SSL (Secure Socket Layer) encryption
Your payment information is encrypted during transmission
Look for the padlock icon in your browser address bar
Our SSL certificate is verified and regularly updated

PCI DSS COMPLIANCE

We maintain PCI DSS (Payment Card Industry Data Security Standard) compliance
Payment processing meets industry security standards
Cardholder data is handled according to strict security protocols
Regular security assessments and monitoring

DATA PROTECTION

What we DO:

Encrypt all payment data during transmission
Use secure, industry-standard payment processors
Regularly update our security systems
Monitor for suspicious activity

What we DON’T do:

We do not store your complete credit card numbers
We do not store CVV/security codes
We do not share your payment information with unauthorized parties
We do not process payments on unsecured connections

THIRD-PARTY PAYMENT PROCESSORS

PAYMENT PARTNERS

We work with trusted, industry-leading payment processors:

Credit/Debit Card Processing:

Transactions processed through secure payment gateways
Payment processors maintain their own security standards
Your card information is handled by certified payment systems

PayPal:

Payments processed through PayPal’s secure platform
Subject to PayPal’s terms of service and privacy policy
PayPal buyer protection may apply to eligible transactions

Apple Pay:

Payments processed through Apple’s secure payment system
Uses device-specific security features (Touch ID, Face ID)
Apple Pay privacy and security policies apply

THIRD-PARTY RESPONSIBILITY

Each payment processor maintains its own security measures
Payment disputes may be subject to the processor’s policies
We are not responsible for third-party payment system outages or errors
Refunds are processed through the original payment method and processor

PAYMENT VERIFICATION

ORDER VERIFICATION

For your security, we may:

Verify billing address with your card issuer
Contact you to confirm large or unusual orders
Request additional verification for international orders
Hold orders for manual review if fraud is suspected

FRAUD PREVENTION

Security Measures:

Automated fraud screening on all transactions
Address verification system (AVS) checking
CVV verification for card transactions
Monitoring for suspicious purchasing patterns

If Fraud is Suspected:

Orders may be temporarily held for review
We may contact you to verify your identity
Additional documentation may be requested
Orders may be cancelled if verification fails

BILLING INFORMATION

ACCURACY REQUIREMENTS

Billing information must match your payment method exactly
Incorrect billing information may cause payment delays or failures
You are responsible for providing accurate payment details
Update your payment information if details change

BILLING ADDRESS

Must match the address on file with your card issuer or PayPal account
International addresses must be entered in the correct format
P.O. Boxes accepted for billing addresses
Billing address may differ from shipping address

PAYMENT PROCESSING TIMES

AUTHORIZATION

Credit/debit cards: Immediate authorization attempt
PayPal: Immediate processing
Apple Pay: Instant authorization

CHARGE TIMING

Payment is charged when your order is processed (typically 1-3 business days)
Pre-authorization may appear on your statement immediately
Final charge amount will reflect your order total including taxes and shipping

FAILED PAYMENTS

Common Reasons:

Insufficient funds or credit limit exceeded
Incorrect payment information entered
Card expired or cancelled
Bank or issuer declined the transaction
Security flags triggered by card issuer

Resolution:

You will be notified of payment failures via email
Order will be held until payment is successfully processed
You may update payment information or try an alternative payment method
Orders may be cancelled if payment issues are not resolved within 5 business days

REFUNDS & CHARGEBACKS

REFUND PROCESSING

Refunds are issued to the original payment method only
Credit/debit card refunds: 3-10 business days depending on your bank
PayPal refunds: 1-3 business days
Apple Pay refunds: 1-3 business days

CHARGEBACK POLICY

We work to resolve payment disputes directly with customers
Contact us before initiating chargebacks when possible
Chargebacks may result in account restrictions
We reserve the right to dispute illegitimate chargebacks

INTERNATIONAL PAYMENTS

ACCEPTED REGIONS

We accept payments from customers worldwide (where shipping is available)
All transactions processed in USD
International transaction fees may apply from your bank or card issuer

CURRENCY CONVERSION

Your bank or payment provider handles currency conversion
Conversion rates and fees are determined by your financial institution
We are not responsible for currency fluctuation or conversion fees

ACCOUNT SECURITY

YOUR RESPONSIBILITIES

Keep your payment information confidential
Use secure internet connections for purchases
Log out of your account after shopping
Review your statements regularly for unauthorized charges
Report suspicious activity immediately

PROTECTING YOUR ACCOUNT

Best Practices:

Use strong, unique passwords for your account
Don’t share account credentials
Shop only from secure networks (avoid public Wi-Fi for purchases)
Keep your devices secure and updated

SUSPICIOUS ACTIVITY

Report Immediately:

Unauthorized charges on your payment method
Suspicious emails claiming to be from Bon Amiga
Account access issues or unexpected changes
Any security concerns related to your orders

PAYMENT DISPUTES

CONTACTING US FIRST

Before disputing charges with your bank or payment provider:

Contact our customer service team at info@bonamiga.com
Provide your order number and detailed description of the issue
Allow us time to investigate and resolve the matter
Most payment issues can be resolved quickly through direct communication

DISPUTE RESOLUTION

We will help resolve:

Charges for orders you didn’t place
Duplicate charges or processing errors
Refund delays or processing issues
Questions about payment timing or amounts

TECHNICAL SECURITY MEASURES

WEBSITE SECURITY

Regular security updates and patches
Secure hosting environment
Malware scanning and protection
Regular vulnerability assessments

DATA TRANSMISSION

All sensitive data encrypted using industry standards
Secure communication protocols
Protected against interception during transmission
Regular security monitoring

COMPLIANCE & STANDARDS

REGULATORY COMPLIANCE

PCI DSS Level 1 compliance requirements
Data protection regulation compliance
Financial services regulations
Industry security best practices

REGULAR AUDITS

Security assessments and penetration testing
Compliance audits and certifications
Continuous monitoring and improvement
Staff training on security protocols

CONTACT INFORMATION

PAYMENT QUESTIONS

Email: info@bonamiga.com Subject Line: Payment & Security Inquiry

Include in your message:

Order number (if applicable)
Payment method used
Specific question or concern
Screenshots of any error messages

SECURITY CONCERNS

Email: info@bonamiga.com Subject Line: Security Concern

For immediate security issues:

Report suspected unauthorized access
Report fraudulent activity
Report technical security problems

POLICY UPDATES

NOTIFICATION OF CHANGES

We may update this Payment & Security Policy to reflect:

New payment methods or security measures
Changes in payment processor partnerships
Updates to security standards or regulations
Improvements to our payment systems

How we notify you:

Updated “Last Modified” date
Email notification for significant changes (if subscribed)
Website announcements for major updates

Important Notice: This policy supplements our Terms of Service and Privacy Policy. For complete information about your rights and responsibilities, please review all applicable policies. If you have concerns about payment security, contact us immediately at info@bonamiga.com.