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Payment Information & Conditions

Payment Information & Conditions

Effective Date: [05/11/2025]

At Wear The Whimsy, we offer secure and flexible payment options to make your shopping experience smooth and stress-free. Please review our payment terms below before completing your purchase.

1. Accepted Payment Methods

We currently accept:

  • Credit and debit cards (Visa, MasterCard, American Express, Discover)

  • PayPal

  • Apple Pay / Google Pay (device-dependent)

  • Klarna (Pay in 4 or other Klarna options)

  • Any other options shown at checkout

All transactions are processed in USD.

2. Klarna – Buy Now, Pay Later

We’ve partnered with Klarna to offer flexible payment solutions at checkout.

With Klarna, you may be eligible to:

  • Split your total into 4 interest-free payments

  • Pay later in full within a specific period

  • Use other financing options available through Klarna

Important:

  • Klarna financing is offered and managed by Klarna, a third-party provider.

  • Approval is subject to Klarna’s internal credit and eligibility checks.

  • Wear The Whimsy is not responsible for Klarna approval decisions, late payment fees, or terms of your Klarna agreement.

By selecting Klarna at checkout, you agree to Klarna’s terms, which can be found at https://www.klarna.com.

3. Payment Timing & Authorization

  • Full or partial payment (if using Klarna) is required at checkout.

  • Orders are not processed until payment is successfully completed.

  • By submitting payment, you confirm that you are authorized to use the selected method.

4. Secure Checkout

All payments are processed via secure third-party gateways using SSL encryption.
We do not store full credit card numbers or Klarna account credentials.

Our payment processing complies with PCI-DSS standards.

5. Order Confirmation

Once payment is completed, you will receive:

  • An order confirmation email

  • A digital receipt

  • Tracking info once your order ships

If you don’t receive confirmation, please check your spam folder or contact us.

6. Failed or Declined Payments

If your payment is declined:

  • Your order will not be confirmed or fulfilled

  • Try another payment method or contact your card issuer/Klarna

  • We reserve the right to cancel unpaid orders

7. Fraud Prevention

We may flag or cancel orders for fraud protection if:

  • Billing/shipping details don’t match

  • Multiple failed payment attempts occur

  • Suspicious activity is detected

We may request ID verification to continue processing the order.

8. Chargebacks & Disputes

If you believe there’s an issue with your order, please contact us directly before opening a chargeback or dispute.
We will make every effort to resolve it.
We reserve the right to block users who initiate fraudulent chargebacks.

9. Taxes & Fees

Applicable sales tax will be calculated at checkout based on your shipping address.
We are not responsible for additional bank conversion fees or Klarna financing interest if applicable.

10. Questions?

Need help with payment or Klarna?

Email: info@wearthewhimsy.com
Subject Line: Payment Help + Your Order #

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