Payment Policy
Last updated: July 23, 2026
This Payment Policy explains how payments are accepted, processed, verified, and refunded on Merch Collect.
Website: https://merchcollect.com
Email: support@merchcollect.com
Phone: +1 805-510-0118
1. Accepted Payment Methods
We accept the payment methods shown as available during checkout.
Payment options may vary depending on your country, device, browser, currency, payment provider, and checkout settings.
Depending on availability, payment methods may include:
- Credit and debit cards: Visa, Mastercard, American Express, Discover, JCB, and other supported cards
- Digital wallets: Apple Pay, Google Pay, Shop Pay, and other supported wallet options where available
- PayPal: where enabled at checkout
- Other payment methods: any additional options shown during checkout
Note: A payment method is only available if it appears as an option during checkout.
2. Shopify Payments and Payment Providers
Merch Collect may use Shopify Payments and other supported third-party payment providers to process payments securely.
These services allow us to accept eligible payment methods through our Shopify-powered checkout.
Payment information is processed by secure payment providers. Merch Collect does not directly store your full credit card number on our own servers.
The payment options available to you may depend on your location, currency, device, and the payment services currently enabled on our store.
3. Currency and Pricing
Product prices are displayed in the currency shown on our website or during checkout.
Depending on your location and our store settings, prices may be displayed in USD or another supported local currency.
- The final amount and currency charged will be shown during checkout before payment is completed.
- Your bank, card issuer, or payment provider may apply currency conversion or foreign transaction fees.
- Currency conversion rates used by banks or payment providers may differ from exchange rates displayed elsewhere.
- Merch Collect does not control bank fees, card issuer fees, foreign transaction fees, or third-party currency conversion charges.
4. Taxes, Duties, and Other Charges
Applicable taxes may be calculated and added during checkout depending on your shipping destination, billing information, product type, and applicable law.
International orders may also be subject to:
- Customs duties
- Import taxes
- Value-added tax
- Brokerage fees
- Carrier processing charges
- Other government or local charges
Unless clearly stated otherwise at checkout, these charges may be the customer's responsibility.
For more information, please review our Shipping Policy.
5. Payment Authorization and Verification
For customer protection, payment security, and fraud prevention, some orders may be reviewed before fulfillment.
Payments may be subject to:
- Card authorization
- Address Verification Service checks
- CVV or security-code verification
- Fraud screening
- Risk assessment
- 3D Secure authentication where applicable
- Additional verification requested by a bank or payment provider
Your bank or card issuer may place a temporary authorization hold on your account while confirming that sufficient funds or credit are available.
If payment verification fails, authorization is declined, or an order appears suspicious or unauthorized, we may:
- Delay fulfillment while reviewing the order
- Request additional information
- Request another payment method
- Cancel the order
- Issue a refund where payment has already been captured
6. Order Confirmation
After successfully placing an order, you should receive an order confirmation email containing your order details.
If you do not see the confirmation email, please check your:
- Spam folder
- Junk folder
- Promotions folder
If you still cannot locate the confirmation, contact us at support@merchcollect.com.
Please include the name and email address used during checkout.
An order confirmation means that we received your order request. It does not necessarily mean that production, fulfillment, or shipment has started.
7. Payment Security
We take payment security seriously and use established ecommerce and payment service providers to process transactions.
Payments may be processed through services such as Shopify Payments, PayPal, digital wallet providers, card networks, or other supported payment processors where available.
Merch Collect does not directly store your complete payment card number on our own servers.
You should always confirm that you are shopping through our official website:
Do not provide payment information through suspicious links, unofficial websites, or unsolicited messages claiming to represent Merch Collect.
8. Shop Pay and Digital Wallets
Where available, Shop Pay, Apple Pay, Google Pay, PayPal, and other digital wallet services may allow you to complete checkout using stored payment and shipping information.
These payment methods are operated by third-party providers and may be subject to their own terms, privacy policies, eligibility rules, and security procedures.
If installment or buy-now-pay-later options are available, eligibility, repayment terms, interest, fees, and other conditions are determined by the applicable payment provider and will be shown during checkout where required.
9. Payment Declines
A payment may be declined for several reasons.
If your payment is declined, please check:
- Your card number
- Expiration date
- CVV or security code
- Billing name
- Billing address
- Available funds or credit
- Online purchase permissions
- International transaction permissions where applicable
Some banks or card issuers may block online, international, or unusual transactions as a security measure.
You may need to contact your bank or try another available payment method.
10. Duplicate Charges or Pending Transactions
In some cases, you may see a temporary pending authorization on your payment account even if an order was not successfully completed.
A pending authorization is not always a completed charge and may automatically disappear according to your bank or payment provider's processing schedule.
If you believe you were charged more than once for the same order, contact us at support@merchcollect.com with your order number and payment details, excluding your full card number.
Please do not send us your complete credit card number, CVV, or other sensitive payment credentials by email.
11. Billing Errors
If you believe there is an error relating to:
- The amount charged
- Duplicate charges
- An unexpected transaction
- A refund
- A payment authorization
please contact us at support@merchcollect.com with your order number and a clear description of the issue.
12. Refunds
Approved refunds are generally issued to the original payment method used for the purchase.
- Refunds are issued only after approval according to our Return and Refund Policy.
- Approved refunds are processed by Merch Collect within 10 business days.
- After a refund is issued, your bank, card issuer, or payment provider may require additional time before the funds appear in your account.
- Original shipping charges are generally non-refundable unless the refund results from an error on our part or applicable law requires otherwise.
- Bank fees, currency conversion fees, foreign transaction fees, customs duties, brokerage charges, and certain third-party fees may not be refundable by Merch Collect.
For complete information about returns and refunds, please review our Return and Refund Policy.
13. Refund Timing
Once a refund has been approved and submitted to the original payment method, the time required for the funds to appear depends on your bank or payment provider.
If more than 15 business days have passed since we confirmed that your refund was approved and you still have not received it, please contact us at support@merchcollect.com.
14. Canceled Orders
If an order is canceled before fulfillment and payment has already been captured, an approved refund will be issued to the original payment method.
Depending on your bank or payment provider, canceled or refunded transactions may take additional time to appear on your account.
15. Fraud Prevention and Order Cancellations
Merch Collect reserves the right to review, delay, cancel, refund, or refuse an order that appears:
- Fraudulent
- Unauthorized
- Suspicious
- Incomplete
- Associated with inaccurate information
- In violation of our policies
- Unable to pass payment verification
We may also cancel an order if:
- Payment cannot be verified
- Billing information appears incorrect
- A product becomes unavailable
- A pricing error occurred
- A technical or checkout error occurred
- The order cannot reasonably be fulfilled
If we cancel an order after payment has been captured, we will issue the appropriate refund to the original payment method.
16. Chargebacks and Payment Disputes
If you have a problem with an order, payment, delivery, refund, or product, please contact us first so we have an opportunity to review and resolve the issue.
If a chargeback, payment dispute, or payment claim is opened, Merch Collect may provide relevant information to the bank, card issuer, payment provider, or dispute-resolution service.
This information may include:
- Order details
- Payment records
- Tracking information
- Delivery confirmation
- Product information
- Customer communications
- Return or refund records
- Applicable website policies
- Fraud or verification information where appropriate
Opening a chargeback does not guarantee a refund. Payment disputes are ultimately reviewed according to the rules of the applicable bank, card network, or payment provider.
17. Unauthorized Transactions
If you believe that your payment method was used without your permission, please contact your bank or payment provider immediately.
You may also contact Merch Collect so we can review whether an order associated with the transaction exists in our system.
For security reasons, we may need to verify certain information before discussing order details.
18. Gift Cards and Store Credit
Where offered, gift cards or store credit may be subject to separate terms and conditions.
Unless required by law:
- Gift cards may not be redeemable for cash
- Store credit may only be used for eligible purchases
- Lost or stolen gift cards may not be replaceable
Any specific conditions will be displayed when applicable.
19. Third-Party Payment Providers
Certain payment options are provided by third-party companies.
When you use a third-party payment method, your transaction may also be governed by that provider's:
- Terms of service
- Privacy policy
- Payment rules
- Refund procedures
- Eligibility requirements
Merch Collect is not responsible for fees, account restrictions, service interruptions, or decisions made independently by your bank, card issuer, digital wallet provider, or other third-party payment service.
20. Changes to This Payment Policy
We may update this Payment Policy from time to time to reflect changes in:
- Payment methods
- Checkout functionality
- Our business practices
- Payment providers
- Security procedures
- Legal or regulatory requirements
The “Last updated” date at the top of this page indicates when this policy was last revised.
21. Business Information
Merch Collect
2020 13th St
Boulder, CO 80302
United States
Website:
https://merchcollect.com
Email:
support@merchcollect.com
Phone:
+1 805-510-0118
22. Payment Questions
If you have questions about payment, billing, refunds, order verification, or a payment issue, please contact us:
Merch Collect
Email:
support@merchcollect.com
Phone: +1 805-510-0118
Please include your order number when contacting us about an existing order.
Support Hours: Monday to Friday, 9:00 AM to 5:00 PM ET