Payment Policy

Last updated: October 15, 2026

This policy explains how payments work at ModraShop, including accepted payment methods, pricing, taxes, security, and refunds. It should be read together with our Terms of Service, Refund & Return Policy, and Shipping Policy.

1. Currency
All prices on our website are in U.S. dollars (USD), and all payments are charged in USD. If your card is issued in another currency, your bank may apply its own conversion rate or fees.

2. Accepted Payment Methods
We accept the methods shown at checkout, which may include:

  • Visa, Mastercard, American Express, Discover
  • Apple Pay, Google Pay

Available methods can vary by order and device. We do not accept cash, checks, money orders, or wire transfers. We do not accept payments by phone or email.

3. When You Are Charged
Payment is due at the time you place your order. Your payment method is charged when you submit the order. In some cases, your bank may place a temporary authorization hold first, which usually clears within a few business days. If we cancel an order before shipping, the hold or charge is released or refunded.

4. Prices, Taxes, and Shipping

  • Prices shown are the product prices, and shipping and taxes are calculated at checkout before you pay.
  • We offer free standard shipping within the United States.
  • Sales tax is collected where required by law, based on your shipping address and your state’s rules.
  • The total shown on the final checkout page is the total you will be charged. We do not add hidden fees.

5. Pricing and Availability Errors
We try to keep prices and stock information accurate, but errors can occur. If a product is listed at an incorrect price or is unavailable, we may cancel the order and refund your payment in full, or contact you before shipping. We are not required to honor an incorrect price.

6. Payment Security
Payments are processed through Stripe and other trusted third-party providers using industry-standard encryption (SSL/TLS). ModraShop does not see or store your full credit or debit card number. Card data is handled by our payment processors under their own security standards, including PCI DSS compliance.

7. Declined or Failed Payments
If your payment is declined, no order is created, or the order may be placed on hold. Common causes include incorrect card details, insufficient funds, bank security blocks, or address mismatches. Please check your information or contact your bank, then try again or use another payment method. We are not responsible for fees charged by your bank for declined transactions.

8. Order Verification and Fraud Prevention
To protect you and us from fraud, we may review certain orders and may contact you for additional verification, such as confirming your billing address or identity. We may delay, refuse, or cancel any order that appears suspicious or unauthorized. If we cancel an order for this reason, any payment will be refunded.

9. Authorized Use
By placing an order, you confirm that you are authorized to use the payment method, that the billing information you provide is accurate, and that you will pay all charges incurred.

10. Refunds
Approved refunds are issued to your original payment method and take 5-10 business days to process after we approve them. Your bank or card issuer may need additional time to show the credit. Refund eligibility is explained in our Refund & Return Policy. We cannot refund to a different card, account, or method than the one used for the purchase.

11. Installment and Third-Party Financing
If you choose a buy now, the financing provider’s terms, fees, credit checks, and payment schedule apply. ModraShop is not the lender. Refunds on financed orders are returned through the provider, and the timing and treatment of your installments are set by them.

12. Disputes and Chargebacks
If you see a charge you don’t recognize or have a problem with your order, please contact us first at support@modrashop.com so we can resolve it quickly. Most issues can be fixed faster directly than through a bank dispute. If a chargeback is filed, we may provide the card issuer with order, delivery, and communication records to respond. Filing a fraudulent or abusive chargeback may result in us declining future orders.

13. Billing Descriptor
Your statement will show a charge from ModraShop or the descriptor shown in your payment settings. If you don’t recognize a charge, contact us with your order number.

14. Contact Us
For payment questions, please contact:
ModraShop
Email: support@modrashop.com
Phone: (706) 322-1425
Address: 7600 Fortson Rd, Columbus, GA 31909, United States
Business hours: Mon-Fri, 9am-5pm ET