At Ida Patterson, we prioritize making your payment experience secure, transparent, and convenient. This Payment Policy outlines our accepted payment methods, currency rules, authorization processes, and refund procedures. By placing an order with us, you acknowledge and agree to the terms below.
1. Accepted Payment Methods
We accept the following major credit and debit cards for online orders to ensure broad accessibility and convenience:
Visa
Mastercard
American Express
All payments are processed through a fully compliant third-party payment processor. This processor employs end-to-end encryption to protect your sensitive financial data. Importantly, we never store complete credit or debit card information on our internal systems—this responsibility rests entirely with our payment processor, which maintains rigorous security protocols to defend against unauthorized access, fraud, and data breaches. You can shop with confidence knowing your payment details are handled with industry-leading care.
2. Currency Rules
To ensure pricing clarity and predictability, the final charge currency at checkout is strictly tied to your shipping destination, regardless of other display settings:
The currency selector feature at the top of our website is provided only for preview purposes to help you estimate costs in your preferred currency. It does not affect the final charge currency, which will always align with the shipping country as outlined above.
If your payment card is issued in a country or currency different from the final charge currency, your card issuer may apply an exchange rate and/or a foreign transaction fee. These fees are determined solely by your bank or card issuer and are not charged, controlled, or retained by us.
3. Authorizations and Charges
3.1 Temporary Authorization Holds
When you complete your order, your bank or card issuer will place a temporary authorization hold on your card for the full order amount. This hold is not a formal charge—it simply verifies that your card is valid and that sufficient funds or credit are available. The authorization hold will be lifted if you cancel your order before it is processed and prepared for shipping.
Once your order is confirmed and ready for dispatch, the temporary authorization hold will be converted to a final charge on your card.
3.2 Payment Declines or Security Flags
If a payment is declined or flagged for security reasons (e.g., suspicious transaction activity, mismatched billing information, or insufficient funds), we will contact you promptly via email or phone to assist with resolving the issue. In some cases, we may request additional verification documents (such as a copy of your government-issued ID or recent billing statement) to confirm your identity and ensure the security of the transaction.
If we are unable to resolve the payment decline or complete the necessary verification, we reserve the right to cancel the order to protect both you and our business from potential fraud or unauthorized activity.
4. Refund Procedures
4.1 Refund Method
All approved refunds will be credited back to the original payment method used during checkout (e.g., credit card, debit card). This ensures a secure and traceable refund process aligned with payment industry best practices.
4.2 Refund Initiation and Confirmation
Refunds are initiated only after we have confirmed eligibility (e.g., receiving and inspecting returned items in accordance with our Refund & Return Policy). Once the refund is initiated, we will send you a detailed email confirmation containing the refund amount, order number, and processing date.
4.3 Refund Processing Times
Refunds typically take 5–10 business days to appear on your bank or card statement. However, processing times may vary depending on your financial institution—some banks post refunds within 2–3 business days, while others may require the full 10-day window. This timeline is determined by your bank’s internal processing procedures and is beyond our control.
4.4 Missing Refunds
If you have not received your refund within the 5–10 business day timeframe, we recommend first checking your bank’s transaction history (including pending transactions) or contacting your card issuer directly—they can provide specific details about the refund’s status. If the refund is still unaccounted for after verifying with your financial institution, please contact our support team at [email protected] with your order number and refund confirmation details for further assistance. For additional questions about payments, please reach out to our customer support team at [email protected]. 
