Payment Policy

Effective Date: September 12, 2026

At Retro Rat, we want every customer to have a straightforward, secure, and transparent checkout experience. This Payment Policy explains the payment methods available through our online store, how payments are handled, and what you can expect when completing a purchase.

1. Accepted Payment Methods

Retro Rat accepts the following payment methods through our online checkout:

  • American Express

  • Apple Pay

  • Diners Club

  • Discover

  • Google Pay

  • Mastercard

  • PayPal

  • Shop Pay

  • Visa

Payment options displayed at checkout may vary depending on factors such as your device, location, eligibility, account status, and transaction requirements.

2. Credit and Debit Cards

Customers may use eligible cards from the following payment networks:

  • American Express

  • Diners Club

  • Discover

  • Mastercard

  • Visa

Customers are responsible for entering accurate and valid payment information.

Payment must be successfully authorized before an order can be processed and shipped.

3. Digital Payment Options

Eligible customers may also be able to use:

  • Apple Pay

  • Google Pay

  • PayPal

  • Shop Pay

These payment methods may provide a faster checkout experience and may require additional authentication or verification by the applicable payment provider.

4. Payment Processing

Payments are processed through our ecommerce checkout system and applicable payment providers.

We use reasonable security measures designed to help protect payment and personal information during the checkout process.

Retro Rat does not intentionally store customers' complete credit or debit card numbers or card security codes on its own systems.

Payment authorization, verification, fraud screening, and other security checks may be performed by the applicable payment provider, financial institution, or card issuer.

5. Payment Availability

Although we support the payment methods listed above, not every payment method will necessarily be available for every customer or transaction.

Availability may depend on factors including:

  • Customer location

  • Billing information

  • Shipping information

  • Device or browser

  • Currency

  • Payment-provider eligibility

  • Account eligibility

  • Security or fraud-prevention checks

  • Transaction requirements

The payment options displayed at checkout are the most accurate indication of the payment methods available for your particular purchase.

6. When Payment Is Due

Payment is generally required at checkout before an order can be processed and shipped.

Submitting an order does not necessarily mean that payment has been successfully authorized or completed.

If a payment cannot be successfully authorized or captured, we may be unable to process the order until a valid payment method is provided.

7. Payment Verification

For security purposes, your bank, card issuer, or payment provider may require additional verification before approving a transaction.

A payment may be declined or require additional verification because of:

  • Incorrect payment information

  • Insufficient funds or available credit

  • Card restrictions

  • Billing information mismatch

  • Security checks

  • Fraud-prevention measures

  • Bank or card issuer requirements

  • Payment-provider requirements

  • Technical issues

If your payment is declined, you may try another payment method available during checkout.

8. Order Confirmation

After payment has been successfully processed and your order has been submitted, you may receive an order confirmation containing your order details.

An order confirmation means that we have received your order request; it does not necessarily mean the order has been finally accepted for fulfillment.

We may need to cancel or limit an order in reasonable circumstances, including:

  • Payment problems

  • Suspected fraudulent activity

  • Product availability issues

  • Pricing errors

  • Technical errors

  • Inaccurate or incomplete order information

If we cancel an order after payment has been successfully captured, any applicable refund will be handled according to our Refund & Return Policy.

9. Pricing and Currency

Unless otherwise stated, all prices displayed on the Retro Rat website are in U.S. dollars (USD).

Applicable taxes or other charges, when required, will be displayed during checkout before you submit your order.

If your bank or payment provider converts a transaction into another currency, any applicable exchange rate or foreign transaction fee is determined by your bank or payment provider.

10. Failed, Reversed, or Disputed Payments

If a payment fails, is reversed, or cannot be successfully completed, we may be unable to process or fulfill the associated order.

If you believe you were charged incorrectly or there is an issue with a payment, please contact us with your order information so we can review the matter.

You may also contact your bank, card issuer, or applicable payment provider regarding transaction disputes or other payment-related concerns.

11. Refunds

Approved refunds are generally issued to the original payment method used for the purchase.

Our return and refund requirements are explained in our Refund & Return Policy.

After a refund has been issued by Retro Rat, the time required for the funds to appear in your account may vary depending on your bank, card issuer, PayPal, or other applicable payment provider.

Refund processing time and payment-provider posting time are separate processes.

12. Payment Security

Protecting customer payment information is important to us.

Customers should keep their payment information, account credentials, passwords, and verification codes secure.

Retro Rat will not ask you to provide your full card password, PIN, or one-time security code through email or an unofficial communication.

If you receive a suspicious payment-related message claiming to represent Retro Rat, please contact us directly using the contact information provided below.

13. Changes to Available Payment Methods

Payment methods and their availability may change from time to time.

A payment method may be added, removed, restricted, or temporarily unavailable because of payment-provider requirements, technical circumstances, eligibility requirements, security measures, or other factors.

The payment methods displayed during checkout are the most current indication of the options available for your transaction.

14. Contact Us

If you have questions about a payment, charge, declined transaction, or refund, please contact Retro Rat:

Business Name: Retro Rat

Business Address:
1915 E Bay Dr
Largo, FL 33771
United States

Email: support@retrorat.shop

Phone: +1 727-330-6131

Customer Support Hours — Eastern Time (ET)

  • Friday–Saturday: 11:00 AM–8:00 PM

  • Sunday: 11:00 AM–6:00 PM

  • Monday–Thursday: 11:00 AM–6:00 PM

Messages received outside our stated support hours will be addressed during the next available support period.

Retro Rat is committed to keeping the checkout and payment process secure, straightforward, and transparent so customers can shop with confidence.