Payment Policy

Effective Date: September 17, 2025

At GuterStuck, we prioritize the safety and security of our customers' transactions through industry-leading payment protection.

Payment Security

We partner with Shopify, a PCI Service Provider Level 1 certified platform, to process all payments securely. This means:

• Your payment details are encrypted and protected
• GuterStuck servers never collect, store, or access your payment information
• All transactions meet the highest industry security standards
• Your personal and financial data remains completely secure

For additional information about payment processing security, please review Shopify's Payment Terms.

Accepted Payment Methods

We accept the following payment options:

• Visa
• MasterCard
• American Express
• Discover
• Diners Club
• Shop Pay
• Apple Pay
• Google Pay
• Maestro
• Union Pay

Payment Processing

Order Confirmation

When you place an order:

1. You'll receive an immediate order confirmation email
2. Your credit card is pre-authorized for the purchase amount
3. Your order enters our processing queue

Charge Timeline

Your credit card will be charged when:

• Your order is processed and prepared for shipment
• Orders are typically processed within 12 hours (Monday-Saturday)
• You'll receive a tracking notification once shipped

Shipping & Delivery

After payment processing:

• Delivery Time: 7-9 business days via FedEx or USPS
• Tracking: Provided within 3-4 business days after order
• Free Shipping: All orders ship free, no minimum required

Payment Issues & Support

Failed Payments

If your payment fails:

• Check that your billing information matches your bank records
• Ensure sufficient funds are available
• Contact your bank if the issue persists
• Try a different payment method

Billing Disputes

For billing questions or disputes:

• Contact us immediately at support@GuterStuck.com
• Include your order number and payment details
• We'll respond within 1-2 business days

Refunds & Returns

Payment-related return information:

• Refund Method: Original payment method only
• Processing Time: 3-4 business days after return approval
• Return Fees: 20% restocking + 5% return label fee deducted
• Gift Card Purchases: Not eligible for refunds

For complete return details, see our Return & Refund Policy.

Order Modifications

Need to change your order after payment?

• Contact us immediately with your order number
• Changes only possible within 12 hours of order placement
• Once processing begins, modifications cannot be guaranteed

Important Notes

• No Split Payments: Orders must be paid with a single payment method
• Currency: All prices displayed in USD
• Tax: No additional taxes charged at checkout
• Price Changes: Prices may change without notice

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Frequently Asked Questions

Payment Security & Safety

Q: Is it safe to enter my credit card information on your website?

A: Yes, absolutely. We use Shopify Payments powered by Stripe, which provides bank-level security encryption for all payment processing.

Q: Do you store my payment information after I make a purchase?

A: No, we do not store any payment information. Stripe, our payment processor, securely handles and stores all payment data according to PCI compliance standards.

Q: What happens if my payment information gets stolen?

A: We hold no liability for payment information security since we don't have access to any payment data. All security is handled by Stripe, which maintains the highest industry standards.

Q: Why do you use a third-party processor instead of handling payments directly?

A: We use Shopify Payments via Stripe to ensure maximum security and PCI compliance. This provides better protection for your payment information than we could offer independently.

Payment Processing Timeline

Q: When exactly will my card be charged - at order or at shipping?

A: Your card is charged immediately at the time you place your order.

Q: Why is there a delay between ordering and charging my card?

A: There is no delay - payment is processed immediately upon order completion.

Q: What if I want to cancel after ordering but before my card is charged?

A: Since payment is charged immediately, any cancellation would result in a refund to your original payment method within 3-4 business days, depending on your bank.

Q: How long does the pre-authorization hold last on my card?

A: We don't use pre-authorization holds. We charge your card immediately upon order placement.

Payment Methods & Options

Q: Can I use multiple payment methods for one order (like part credit card, part gift card)?

A: No, each order must be paid with a single payment method.

Q: Do you accept PayPal or other digital wallets besides what's listed?

A: No, we only accept the payment methods specifically listed in our policy.

Q: Can I pay over the phone instead of online?

A: No, all payments must be processed through our secure online checkout system.

Q: What if my preferred payment method is declined?

A: You'll need to use an alternative payment method or contact your bank to resolve the issue.

International & Currency Questions

Q: Do you accept international credit cards?

A: No, we only accept domestic US credit cards.

Q: Can I pay in a different currency besides USD?

A: No, all transactions are processed in USD. Your bank will handle any currency conversion.

Q: Will my bank charge foreign transaction fees?

A: This depends on your bank's policies. Contact your bank for information about international transaction fees.

Q: What's the exchange rate used for international orders?

A: Exchange rates are determined by your bank, not by us.

Failed Payments & Issues

Q: Why was my payment declined when I have sufficient funds?

A: Contact your bank for specific decline reasons. We may also decline payments flagged as high-risk for chargeback fraud protection.

Q: My card was charged but I didn't receive a confirmation - what happened?

A: Double-check that you entered the correct email address at checkout. If incorrect, email us your order number and we can update your email address.

Q: Can I retry payment with a different card if the first one fails?

A: Yes, you can attempt payment with a different card or payment method.

Q: What if there's a billing error on my statement?

A: Billing errors are rare since all transactions are automatically processed by our payment processor. Contact us with your order details if you believe there's an error.

Refund & Return Payment Questions

Q: How long does it take to get my money back on returns?

A: Refunds are processed within 3-4 business days after we approve your return, depending on your banking institution.

Q: What if my original payment method expired or was canceled?

A: Refunds are sent to the original payment method. Your bank will automatically apply the refund to your new card or account.

Q: Do I get refunded the same way I paid (credit card, Apple Pay, etc.)?

A: Yes, refunds are always processed to the original payment method used for the purchase.

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Billing Support