Payment Policy

Retro Rat

At Retro Rat, we prioritize secure, fast, and reliable payment processing to ensure a smooth checkout experience for every customer. This Payment Policy explains how we handle payments, security measures, and billing procedures.

1. Payment Security & Protection

Your security is extremely important to us. All transactions on our website are processed through secure, PCI-compliant payment gateways.

We use industry-standard protections, including:

SSL Encryption (Secure Socket Layer): Protects your personal and payment information during checkout
PCI-DSS Compliant Processing: Ensures all transactions meet global payment security standards
No Card Storage: We do not store your full credit or debit card details on our servers
Secure Third-Party Processors: Payments are handled by trusted and encrypted payment providers

2. Accepted Payment Methods

We accept a variety of secure payment options for your convenience, including:

Visa
Mastercard
American Express
Discover
Other major debit and credit cards supported at checkout

All payments must be successfully completed before order processing begins.

3. Billing & Transaction Currency

All prices are displayed and charged in U.S. Dollars (USD)
Your bank may apply conversion fees for international cards
Please ensure your billing details match your payment method to avoid delays or failed transactions

Once your payment is approved, you will receive an order confirmation email with your receipt and order details.

4. Order Processing & Payment Timing

To ensure smooth order handling:

Order Cut-Off Time: 5:00 PM Eastern Standard Time (EST), Monday–Friday
Orders placed after this time are processed the next business day
Payment verification may take 1–3 business days before fulfillment begins

5. Payment Issues & Declined Transactions

If your payment is declined, it may be due to:

Incorrect billing information
Insufficient funds
Bank security restrictions
Expired card details

We recommend contacting your bank or using an alternative payment method if issues occur.

6. Refunds & Adjustments

If a refund is approved:

Refunds are issued to the original payment method only
Processing time is typically 5–10 business days, depending on your financial institution
Shipping fees (if applicable) may not be refundable unless the return is due to our error