Payments Policy

 

At SmartBuy Electro, we are committed to providing you with a secure, seamless, and flexible shopping experience. This Payments Policy outlines the terms and conditions related to accepted payment methods, payment processing, security measures, currency handling, payment failures, and more.

By purchasing from SmartBuy Electro, you agree to the terms set forth in this policy.

1. Accepted Payment Methods

To ensure convenience and flexibility, SmartBuy Electro accepts the following forms of payment:

  • Credit & Debit Cards

    • Visa

    • MasterCard

    • American Express

    • Discover

  • Digital Wallets

    • Apple Pay

    • Google Pay

    • PayPal

    • Shop Pay

  • Bank Transfers (where applicable)

    • Available for select high-value purchases (please contact support for bank transfer details)

  • Buy Now, Pay Later (BNPL) Options

    • Available through providers like Klarna, Afterpay, or Affirm (subject to approval)

All payments must be made in full at the time of purchase unless a financing or installment option has been selected.

2. Currency and Pricing

All transactions on SmartBuy Electro are processed in USD (United States Dollar) unless otherwise stated. Prices listed on the website are subject to change without notice and may vary based on:

  • Location-based pricing or taxes

  • Promotional offers or discounts

  • Availability or limited stock

You are responsible for any currency conversion fees, international transaction fees, or additional charges applied by your card issuer or bank.

3. Taxes and Additional Charges

Depending on your shipping address, sales tax or VAT may be applied at checkout in accordance with your local tax laws.

  • Taxes are automatically calculated at checkout based on the destination.

  • You are responsible for any customs duties, import taxes, or local fees if ordering from outside the United States.

We do not include these fees in our prices, and they are not collected by SmartBuy Electro.

4. Payment Processing and Order Confirmation

Once you place an order:

  1. Your payment will be authorized at the time of checkout.

  2. The payment is then captured and processed.

  3. You will receive an order confirmation email with a summary of your purchase.

Orders will not be shipped until payment has been successfully received and verified.

5. Secure Payment Processing

At SmartBuy Electro, we take your security seriously. All payments are processed through industry-standard SSL (Secure Socket Layer) encryption. Additionally:

  • We do not store your credit card information on our servers.

  • All payment data is handled by PCI DSS-compliant third-party payment processors such as Stripe, PayPal, or Shopify Payments.

  • Two-factor authentication and fraud prevention tools are in place to protect your transactions.

You can shop with confidence knowing that your data is protected.

6. Installment Payment Plans

Where available, we offer installment payment options through trusted BNPL providers. These plans allow you to:

  • Split your payment into multiple interest-free installments

  • Pay over a fixed period with or without interest (depending on provider terms)

Eligibility and approval are determined by the third-party BNPL provider, not SmartBuy Electro. We are not responsible for any credit checks or decisions made by these services.

7. Failed or Declined Payments

In the event that your payment is declined:

  • You will be notified immediately during checkout.

  • Please verify your card details, expiration date, CVV, and billing address.

  • If the issue persists, contact your card issuer or use a different payment method.

If payment is declined after an order has been placed, the order may be automatically canceled, and you will be notified via email.

8. Fraudulent Transactions

To maintain the safety of our platform, all orders are subject to fraud screening. If a transaction is flagged as suspicious:

  • Your order may be placed on hold for manual review.

  • We may request identity verification such as photo ID or billing confirmation.

  • If fraud is confirmed or verification fails, the order will be canceled and refunded.

SmartBuy Electro reserves the right to refuse service, cancel orders, or report fraudulent activity to relevant authorities.

9. Refunds and Reversals

Approved refunds are processed back to the original payment method used during the transaction. Refunds generally appear within 5–10 business days, depending on your payment provider.

If the original payment method is no longer valid, please contact our support team for alternative arrangements. We are not responsible for delays caused by your financial institution.

Refer to our Return & Refund Policy for more details on eligible returns and refund procedures.

10. Chargebacks and Disputes

We are committed to resolving any issues you may have. If you are unhappy with a product or experience, please contact us first at support@smartbuyelectro.com before initiating a chargeback.

Unwarranted or fraudulent chargebacks may result in:

  • Account suspension or termination

  • Legal action or collections process

  • Loss of purchasing privileges on our website

We appreciate your cooperation and understanding as we aim to resolve all concerns fairly and promptly.

11. Promotional Pricing and Discounts

SmartBuy Electro occasionally offers promotions, discount codes, or limited-time deals. Please note:

  • Only one promo code may be used per order, unless otherwise specified.

  • Promotions cannot be applied retroactively to past purchases.

  • Some discount codes may be subject to expiration or exclusions (e.g., not valid on sale items or bundles).

If a pricing error occurs, SmartBuy Electro reserves the right to cancel the order and refund the payment.

12. Subscription Services (If Applicable)

If SmartBuy Electro offers subscription-based products or services:

  • You will be billed on a recurring basis (monthly or annually) based on your selected plan.

  • You may cancel your subscription at any time from your account dashboard.

  • No refunds are provided for unused portions of a billing cycle unless required by law.

Please review specific subscription terms before enrolling.

13. Payment Policy Updates

We may update this Payments Policy from time to time to reflect changes in our business, payment providers, or legal requirements. When we do:

  • The updated policy will be posted on this page

  • The effective date will be revised accordingly

We encourage you to review this policy periodically to stay informed.

14. Contact Us

If you have questions about this Payments Policy or need assistance with a transaction, feel free to contact us:

SmartBuy Electro
📧 Email: payments@smartbuyelectro.com
 https://smartbuyelectro.com