Payment Policy

At ftwearapparel.com, operated by VELOCITYVEST COMMERCE LLC (registered at 3300 Greenhill Ln, Louisville, KY 40207), we are committed to providing secure, convenient, and reliable payment options for our customers. This Payment Policy outlines the payment methods we accept, payment processing procedures, currency requirements, fraud prevention measures, and related terms to ensure a safe and transparent payment experience.

Accepted Payment Methods

We accept the following payment methods for orders placed on ftwearapparel.com, all processed in USD (United States Dollars), our official transaction currency:

1. Credit Cards: We accept major credit cards, including Visa, Mastercard, American Express, and Discover. All credit card transactions are processed securely through our trusted third-party payment processors, which comply with the Payment Card Industry Data Security Standard (PCI DSS) to ensure your card information is protected.

2. PayPal: We accept PayPal as a secure payment option. When paying with PayPal, you will be redirected to the PayPal website to complete your payment, and we will not receive or store your PayPal account details or payment information.

3. Apple Pay: For customers using Apple devices (iPhone, iPad, Mac), we accept Apple Pay as a fast and secure payment method. Apple Pay encrypts your payment information and does not share it with us.

4. Google Pay: For customers using Android devices, we accept Google Pay as a convenient payment option. Google Pay secures your payment information and ensures it is not shared with us.

Please note that we do not accept cash, checks, money orders, or wire transfers as payment methods for online orders. We reserve the right to add or remove payment methods at any time, and any changes will be posted on our website.

Payment Processing

1. Payment Authorization: When you place an order on ftwearapparel.com, we will request authorization from your payment provider (credit card company, PayPal, etc.) for the full amount of your order. This authorization will place a hold on the funds in your account, but it is not a charge. The hold will be released if the order is canceled or if the authorization expires (typically within 3-7 business days, depending on your payment provider).

2. Order Confirmation and Charging: Once your order is processed and confirmed (after order verification and stock check), we will capture the authorized funds and charge your payment method. You will receive an order confirmation email with details of the charge, including the order number, total amount, and payment method used.

3. Failed Payments: If your payment is declined or fails for any reason (e.g., insufficient funds, expired card, incorrect card details, or fraud prevention measures), we will notify you via email. You will have the opportunity to update your payment information and retry the payment. If the payment continues to fail, your order will be canceled, and no charges will be applied to your account.

Currency

All transactions on ftwearapparel.com are processed in USD (United States Dollars), regardless of your location. If you are an international customer, your payment provider will convert the USD amount to your local currency at the current exchange rate, and you may be charged a currency conversion fee by your bank or payment provider. We are not responsible for any currency conversion fees or exchange rate fluctuations.

Fraud Prevention

To protect our customers and our business from fraudulent transactions, we implement strict fraud prevention measures. These measures include:

1. Verifying the billing address provided with the payment method matches the address on file with the payment provider.

2. Monitoring orders for unusual activity (e.g., multiple orders from the same IP address, large orders, or orders shipped to high-risk locations).

3. Using third-party fraud detection tools to identify and prevent fraudulent transactions.

If we suspect a transaction is fraudulent, we may contact you to verify your identity and order details, or we may cancel the order and refund any authorized funds. We reserve the right to refuse service to any customer suspected of fraudulent activity.

Refunds and Chargebacks

Refunds for returned items, canceled orders, or defective items will be issued to the original payment method used for the purchase, as outlined in our Exchange & Return Policy. Refunds will be processed within 5-7 business days after we receive and verify the returned item or cancel the order. Please note that it may take an additional 3-5 business days for the refund to appear in your account, depending on your payment provider’s processing time.

If you initiate a chargeback with your payment provider without first contacting us to resolve the issue, we reserve the right to contest the chargeback and may charge you a chargeback fee (typically $25-$50 USD) to cover the costs associated with the chargeback. We encourage you to contact us at commerce@ftwearapparel.com first to resolve any issues with your order before initiating a chargeback.

Payment Security

We take the security of your payment information very seriously. All payment transactions are encrypted using industry-standard SSL/TLS technology, which ensures that your payment details are transmitted securely between your browser and our website. We do not store your full payment information (e.g., credit card numbers, PayPal account details); this information is processed and stored by our trusted third-party payment processors, who comply with PCI DSS requirements to ensure maximum security.

Changes to Payment Policy

VELOCITYVEST COMMERCE LLC reserves the right to modify this Payment Policy at any time. Any changes will be posted on our website (ftwearapparel.com) and will take effect immediately upon posting. We recommend checking this page regularly for updates.

If you have any questions about our Payment Policy, please contact us at commerce@ftwearapparel.com.