Payment Policy

1. Accepted Payment Methods

We offer secure payment options for your convenience. The following payment methods are accepted on our website:

  • Credit and Debit Cards (Visa, MasterCard, American Express, Maestro)

  • PayPal

  • Shop Pay

  • Apple Pay

  • Google Pay

  • Klarna

  • Any additional payment methods displayed at checkout

All payments are processed securely through our authorized payment providers.

2. Payment Processing

Your payment information is encrypted and handled securely by our payment partners.
We do not store or have direct access to your full payment card details.

Once your payment is authorized, you will receive an order confirmation email.

If a payment cannot be processed, the order will not be completed. You may retry with a different payment method or contact us for assistance.

3. Currency

All prices listed on our website are shown in the currency displayed at checkout.
If your bank account or card is in a different currency, the final charge may vary depending on your bank’s exchange rate and conversion fees.

We are not responsible for additional fees charged by your bank or payment provider.

4. Taxes & Duties

All prices shown at checkout include applicable taxes for your region unless stated otherwise.
International customers may be subject to import duties or customs fees according to local regulations. These are the responsibility of the customer.

5. Payment Security

Our store is powered by Shopify, which complies with Level 1 PCI DSS (Payment Card Industry Data Security Standard).
All online transactions are encrypted using secure SSL technology.

For your protection:

  • We do not receive or store your full credit card number

  • We do not share payment information with third parties except payment processors

  • Suspicious or fraudulent orders may be automatically blocked or cancelled

  • We may request identity verification to prevent fraud

6. Klarna Payments (If applicable)

Where available, Klarna may offer flexible payment options such as:

  • Pay in 30 days

  • Pay in 3 instalments

  • Financing options

These options are provided directly by Klarna. Eligibility is determined by Klarna and we have no influence on their decision.

By choosing Klarna, you accept Klarna’s own terms and privacy policy.

7. Failed or Declined Payments

If your payment fails or is declined:

  • The order will not be confirmed

  • No products will be shipped

  • You may attempt payment again or choose a different method

If the issue persists, please contact your bank or email us at info.cosyember@gmail.com.

8. Fraud Prevention

To protect our customers and business, we may:

  • Verify billing and shipping information

  • Request additional identification

  • Cancel orders deemed suspicious

Any such cancellations will be refunded immediately to the original payment method.

9. Chargebacks

If you believe a payment was made in error, please contact us first.
We will always help resolve any issue quickly.

Unjustified chargebacks may result in blocking future orders.

10. Contact

If you have questions about payment options or encounter issues during checkout, contact us:

Email: info.cosyember@gmail.com

We aim to respond as quickly as possible.