Payment Policy

Payment Policy

Introduction

At Swingcrafted, we are dedicated to providing a secure, transparent, and seamless checkout experience for our customers. We understand that financial security is the foundation of trust when shopping for premium outdoor swings and furniture. This policy is designed to clearly outline our billing terms, accepted payment methods, and the advanced security measures we employ to protect your personal and financial information.

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Accepted Payment Methods & Currency

To ensure convenience and accessibility, we accept a wide range of globally recognized credit and debit cards. All transactions are processed exclusively in U.S. Dollars (USD).

Accepted Payment Methods:

• Visa
• MasterCard
• American Express
• Discover
• Diners Club
• JCB

Payment Method Restrictions:
Please be advised that to maintain the highest levels of security and operational efficiency, Swingcrafted does not accept personal checks, money orders, direct bank transfers, or Cash on Delivery (COD).

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Payment Security & PCI Compliance

Your security is our paramount priority. Every transaction conducted on our website is protected by industry-leading safety protocols:

• 256-bit SSL Encryption: We utilize Secure Sockets Layer (SSL) technology to encrypt all personal and financial data during transmission. This ensures that your information remains private and inaccessible to unauthorized parties.
• PCI-DSS Compliance: Swingcrafted strictly adheres to the Payment Card Industry Data Security Standard (PCI-DSS).
• Zero Local Storage Guarantee: We never store your full, raw credit card data on our local servers. All payments are processed through world-class, certified payment gateways that manage sensitive data with the highest level of rigorous encryption and certification.

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Billing, Taxes & $0 Hidden Fees

We believe in “What You See Is What You Pay.” At Swingcrafted, we are committed to absolute price transparency.

Zero Hidden Fees Commitment:
We solemnly promise that there are no hidden surcharges, no unexpected processing fees, and no invisible subscription traps. The total amount displayed at the final stage of checkout is the definitive and final price you will pay.

Calculation of Total Cost:
Your final order total is calculated using a simple, transparent formula:
Product Listing Price + Shipping Cost (if applicable) + Applicable Sales Tax = Total Final Amount.

Sales Tax:
As a registered business operating from Oklahoma, we are required by law to collect sales tax on orders shipped to destinations within the State of Oklahoma. For orders shipped to other states, sales tax will be automatically calculated by our system based on your specific shipping destination and local tax regulations during the checkout process.

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Payment Processing & Fraud Prevention

When you submit an order, your chosen payment method will be immediately authorized and charged for the total amount. Upon successful payment, you will instantly receive an Order Confirmation Email which serves as your official receipt and invoice.

Payment Troubleshooting:
If your payment is declined, please verify your CVV code, expiration date, and ensure your billing address matches the information on file with your issuing bank. A declined payment will not result in a generated order.

Fraud Defense:
To protect our customers and our business, our system automatically screens for high-risk or suspicious transactions. Swingcrafted reserves the right to contact customers for additional verification or to cancel any order that appears fraudulent or cannot be verified through our security protocols.