Payment Policy

BANNOIC accepts only the payment methods displayed at checkout. Availability may include major credit/debit cards, PayPal, Shop Pay, Apple Pay, Google Pay, or other local methods, but no method is guaranteed in every market.

• Payment information is handled by secure third-party processors.
• Orders may be subject to address, identity, payment authorization, and fraud review.
• We may request non-sensitive verification; never send a full card number or password by email.
• Failed, reversed, or disputed payments may pause production or fulfillment.
• Refunds are issued to the original payment method unless law requires otherwise.
• Gift cards, promotional credit, and installment payments are governed by any additional terms shown at checkout.
• BANNOIC does not control issuer declines, exchange rates, foreign-transaction fees, financing approval, or refund-posting time.

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