Payment Policy
1. Payment Policy Scope
This policy applies to online purchases made through the TRAINTORQUIX website and any official TRAINTORQUIX checkout page. It should be read together with our Terms & Conditions, Delivery Policy, Return & Refund Policy, Warranty Policy and Privacy Policy.
2. Primary Market and Worldwide Payments
TRAINTORQUIX is a USA-focused e-commerce brand that may accept orders from customers in the United States and from eligible international destinations. Payment availability may depend on the customer location, payment provider, fraud checks, shipping restrictions and local laws.
3. Accepted Payment Methods
Subject to checkout availability, TRAINTORQUIX may accept the following payment methods:
· Visa, Mastercard, American Express and Discover cards
· Debit cards supported by our payment providers
· PayPal, where available
· Apple Pay and Google Pay, where enabled
· Shop Pay, WooPayments, Stripe or similar secure payment gateways, where enabled
· Gift cards, store credit or promotional credit, if introduced in the future
· Installment or buy-now-pay-later providers such as Klarna, Afterpay, Affirm or similar services, if enabled at checkout
4. Payment Method Availability
The payment methods shown at checkout are the payment methods available for your order. Some methods may not be available in all countries, for all currencies, or for high-risk transactions.
| Payment Type | Typical Availability | Notes |
|---|---|---|
| Cards | USA and international | Subject to card issuer approval and fraud checks. |
| PayPal | Where enabled | Availability depends on the customer country and checkout setup. |
| Digital wallets | Where enabled | Apple Pay, Google Pay or similar options may appear only on supported devices. |
| Installments | Where enabled | Provided by third-party finance/payment partners and subject to their approval. |
5. Currency
The primary currency for TRAINTORQUIX website transactions is expected to be U.S. Dollars (USD), unless another currency is displayed at checkout. If your card or account uses another currency, your bank or payment provider may apply currency conversion, foreign transaction fees or exchange rate differences. TRAINTORQUIX is not responsible for fees charged by your bank, card issuer or payment provider.
6. Prices, Taxes and Duties
Product prices are displayed before checkout and may exclude shipping, sales tax, VAT, GST, import duties, customs brokerage fees or other charges unless stated otherwise. The final amount payable will be shown at checkout before you place your order.
· For U.S. customers, sales tax may be calculated based on the delivery address and applicable state or local rules.
· For international customers, import duties, VAT, GST, customs charges and brokerage fees may be charged by local authorities or couriers.
· Unless expressly stated at checkout, the customer is responsible for any import taxes, duties or customs charges payable in the destination country.
7. Secure Payment Processing
Payments are processed through secure third-party payment providers. TRAINTORQUIX does not store complete card numbers, CVV codes or full payment authentication details. Payment processing is handled using encrypted payment technology and payment provider security controls.
8. Payment Authorization
When you place an order, your payment method may be authorized immediately. An authorization confirms that funds appear to be available, but it is not always a final charge. If an order is cancelled, declined or not accepted, the authorization may be released by your bank or payment provider according to their own timescales.
9. Order Acceptance
An order confirmation email confirms that we have received your order. It does not always mean that the order has been accepted or dispatched. TRAINTORQUIX may refuse, cancel or hold an order if payment cannot be verified, fraud is suspected, products are unavailable, pricing errors occur, or shipping restrictions apply.
10. Fraud Prevention and Identity Verification
To protect customers and TRAINTORQUIX, we may use fraud detection tools, address verification, payment verification, IP analysis, risk scoring and manual review. We may request additional information to confirm identity, billing details or shipping details before processing an order.
· Orders may be delayed while payment or identity checks are completed.
· Orders may be cancelled if verification cannot be completed.
· We may refuse to ship to freight forwarders, reshippers, high-risk addresses or addresses linked to suspected fraud.
· Providing false, incomplete or misleading payment information may result in order cancellation.
11. Billing and Shipping Address Checks
For security reasons, billing and shipping details may be checked against payment provider records. We may contact you if the billing address, shipping address, card details or order activity appear unusual. We do not require all orders to ship only to the cardholder address, but we reserve the right to restrict shipping where fraud risk is identified.
12. Failed or Declined Payments
If your payment is declined, you should check the details entered, confirm that your card or account has sufficient funds, and contact your bank or payment provider if needed. TRAINTORQUIX cannot override a bank or payment provider decline decision.
13. Payment Timing
Payment is usually required at the time of checkout. Orders will not normally be processed or dispatched until payment has been successfully authorized or captured.
14. Refunds
Approved refunds are issued to the original payment method where possible. Refund processing normally takes 5-10 business days after approval, but the exact time depends on your bank, card issuer or payment provider. Shipping fees, duties, taxes and other third-party charges may be non-refundable unless the refund is due to our error or required by law.
15. Partial Refunds
Partial refunds may be issued for returned items, missing items, agreed price adjustments, damaged packaging, used products, refused deliveries or other approved cases. The amount of any partial refund will depend on the condition of the product and the reason for the refund.
16. Chargebacks and Payment Disputes
If you have a payment concern, contact us first at info@traintorquix.com so we can review and resolve the matter. If a chargeback or payment dispute is opened, we may provide the payment provider with order records, tracking details, delivery confirmation, customer communications and relevant policy information.
17. Pricing Errors
We try to ensure all prices are accurate, but pricing errors may occur. If a product is listed at an incorrect price, we may cancel the order, refund the payment, or contact you to confirm whether you wish to proceed at the correct price.
18. Promotional Codes and Discounts
Promotional codes, coupons and discounts must be applied at checkout before payment is completed. Discounts cannot always be applied after an order has been placed. Promotions may be limited by country, product, date, customer type or minimum order value.
19. Gift Cards and Store Credit
If gift cards or store credit are introduced, they will be subject to the terms displayed when issued. Gift cards and store credit may not be redeemable for cash unless required by law.
20. Installment and Buy-Now-Pay-Later Payments
If installment or buy-now-pay-later options are offered, they are provided by third-party finance or payment partners. Approval, repayment schedules, late fees and customer eligibility are controlled by the provider, not TRAINTORQUIX.
21. Subscriptions and Recurring Billing
If subscription products or recurring billing are introduced, the checkout page will explain the billing frequency, renewal terms, cancellation method and amount payable before you subscribe. You may cancel future renewals according to the subscription terms displayed at purchase.
22. International Payment Issues
International customers may experience additional checks, card restrictions, bank fees, currency conversion charges, customs-related charges or payment declines caused by local banking rules. TRAINTORQUIX is not responsible for bank fees, foreign exchange differences or charges imposed by third parties.
23. Payment Security Responsibilities
Customers are responsible for keeping their account login, payment cards, payment accounts and passwords secure. TRAINTORQUIX is not responsible for unauthorized purchases caused by customer negligence, compromised accounts or unauthorized access to the customer payment method, unless required by law.
24. No Telephone Card Collection
For improved security, TRAINTORQUIX does not recommend collecting full card details by telephone. Customers should place orders through the secure online checkout wherever possible. If manual payment support is ever offered, it must be handled through a secure payment link or approved payment provider process.
25. Contact for Payment Questions
For payment questions, failed payments, duplicate charges, refund updates or suspected billing errors, contact us at info@traintorquix.com. Please include your order number, name, email address used at checkout and a short explanation of the issue.
26. Changes to this Payment Policy
We may update this Payment Policy from time to time. The version posted on the TRAINTORQUIX website will apply to orders placed after the effective date of that version.
Business: ZAID & IBRAHIM LIMITED
Brand: TRAINTORQUIX
Email: info@traintorquix.com
