Payment Policy

Effective Date: December 26, 2024

At Royal Gemms, we understand that a smooth and secure payment process is essential for a satisfactory shopping experience. This Payment Policy outlines the terms and conditions governing the processing of payments for the products and services we offer on our website, royalgemms.com. By using our website and completing a purchase, you agree to the terms outlined in this policy.

1. Introduction

This Payment Policy is designed to ensure that our customers understand how payment transactions are processed when purchasing products from our website. Whether you’re buying gemstones, jewelry, or any other products offered by Royal Gemms, this policy governs the steps and procedures involved in making payments for your orders.

2. Accepted Payment Methods

We offer a variety of secure payment options for our customers. You can complete your purchase using the following payment methods:

  • Credit and Debit Cards: We accept major credit and debit cards, including Visa, MasterCard, American Express, and Discover. When making a payment using a card, please ensure that the card is valid, and you provide accurate information such as the card number, expiration date, and CVV code.

  • PayPal: For additional security and convenience, we also offer PayPal as a payment option. By selecting PayPal, you can complete your purchase using your PayPal balance, linked bank accounts, or credit/debit cards.

  • Apple Pay and Google Pay: If you prefer using mobile wallets, we support both Apple Pay and Google Pay for a quick and secure checkout process.

  • Bank Transfers: For large orders or specific payment preferences, customers may opt to complete their payment via direct bank transfer. Please contact our customer support team for details on how to proceed with this method.

  • Gift Cards: We also accept Royal Gemms Gift Cards. These can be used to purchase items from our website and are subject to specific terms as described on our gift card page.

3. Currency

All transactions on our website are conducted in USD (United States Dollars). If you are shopping from outside the United States, your payment will be converted into USD at the exchange rate applied by your payment provider or bank. You may incur additional charges for currency conversion or international transaction fees, depending on your bank or payment provider.

4. Payment Processing

Once you submit your order and payment details, we will process your payment using secure encryption technology. We utilize industry-standard encryption protocols, including SSL (Secure Socket Layer), to ensure that all sensitive data, such as your credit card number and billing information, are securely transmitted and stored.

  • Authorization and Verification: After you submit your payment details, our payment gateway will verify the information provided. If the payment is authorized, your order will be processed. However, if there are any issues with authorization or verification, we will notify you promptly.

  • Fraud Prevention: For your protection, we may conduct additional fraud prevention checks on certain orders. These checks may include verifying your billing address, confirming payment methods, and reaching out to you for confirmation.

  • Payment Confirmation: Once the payment is successfully processed, you will receive an email confirmation with the details of your order, including the total amount charged, the products purchased, and the estimated delivery date.

5. Security of Payment Information

We take the security of your payment information very seriously. Royal Gemms uses SSL encryption and PCI DSS (Payment Card Industry Data Security Standard)-compliant payment systems to safeguard your sensitive data. We do not store your full credit card information on our servers. Instead, we rely on trusted third-party payment processors to securely handle and store payment details.

  • Data Encryption: All credit card information and personal details entered during the checkout process are encrypted to prevent unauthorized access.

  • Third-Party Payment Processors: We use reputable third-party payment processors such as PayPal, Stripe, and Authorize.Net to ensure your payment information is securely handled and processed.

6. Billing Address and Contact Information

When placing an order, you are required to provide accurate billing information, including your name, address, email, and phone number. The billing address you provide must match the address on file with your credit card issuer to help prevent fraud and ensure smooth processing.

If you encounter any issues during the checkout process, such as declined transactions or incorrect billing details, we may contact you for additional information. Please ensure your contact information is up to date to avoid delays.

7. Payment Authorization and Declined Transactions

If a transaction is declined, we will notify you of the issue and request that you verify your payment information. Common reasons for declined transactions include:

  • Insufficient funds or credit limit
  • Incorrect credit card information (e.g., wrong expiration date, CVV code)
  • Fraud prevention checks triggered by the payment processor
  • Bank or payment provider issues

If your payment is declined, you may attempt to resolve the issue by contacting your bank or payment provider. Alternatively, you may choose a different payment method to complete your order.

8. Taxes and Fees

Sales tax is applicable based on the shipping address provided during the checkout process. We will calculate the appropriate sales tax rate for your location and add it to the total cost of your order.

Additionally, if you are ordering from outside the United States, you may be subject to customs duties, import taxes, and other fees imposed by your country’s customs office. These fees are the responsibility of the customer and are not included in the purchase price.

9. Refunds and Cancellations

If you need to cancel or request a refund for your order, please refer to our Refund and Returns Policy page for the steps and conditions. Refunds will be processed back to the original payment method used at checkout.

Please note that if your order has already been processed and shipped, you may be responsible for return shipping costs.

10. Payment Disputes

In case of payment disputes or chargebacks, Royal Gemms reserves the right to investigate the issue and request additional documentation or communication to resolve the matter. If a chargeback is initiated without valid cause, we may suspend or cancel your account and take appropriate actions.

11. Contact Us

For any questions or concerns regarding this Payment Policy or your transactions, please contact us at:

12. Changes to the Payment Policy

We reserve the right to update or modify this Payment Policy at any time. All changes will be posted on this page with the updated effective date. Please review this policy periodically for any updates.