Payment Policy

At Urban Packs, we prioritize your peace of mind by maintaining complete clarity, consistency, and rigorous security across every transaction. We believe in providing an effortless checkout experience with transparent pricing, robust data protection, and direct access to customer support whenever you need assistance.

1. ACCEPTED PAYMENT METHODS

We offer a variety of recognized payment options at checkout for customers purchasing within the United States. You may complete your purchase using any of the following options:

  • Credit & Debit Cards: Visa, MasterCard, American Express, Discover

  • Express Digital Wallets: Apple Pay, Google Pay

  • Encrypted Gateway: Shopify Payments

Please note: To ensure rapid order processing and transaction security, we do not accept Cash on Delivery (COD), personal checks, money orders, direct bank transfers, or physical gift certificates.

2. TRANSPARENT PRICING & CURRENCY STANDARDS

  • U.S. Dollar Currency: All items, shipping charges, promotional discounts, and total checkout amounts are quoted, processed, and billed exclusively in United States Dollars (USD, $).

  • No Hidden Charges: The price presented in your cart and confirmed at checkout represents the exact amount billed. We do not assess hidden administrative surcharges, convenience charges, or unexpected transaction processing fees.

  • Applicable Sales Tax: State and local sales taxes are determined in accordance with U.S. tax regulations based on your shipping address. All applicable taxes are calculated automatically and itemized on your checkout page before you finalize your order.

3. PAYMENT AUTHORIZATION & BILLING PROCEDURES

  • Immediate Processing: When you submit an order, your payment card or digital wallet is charged immediately upon order authorization.

  • Order Confirmation Receipt: Following successful authorization, an automated order confirmation invoice detailing your items, selected shipping method, total payment, and billing address is generated and sent directly to your email address.

  • Electronic Security Verification: For your protection, all credit and debit card payments undergo automated security and address verification checks by your issuing financial institution. If a charge is declined or flagged for mismatched verification details, the transaction will not proceed, and you will be prompted to re-enter your information or provide an alternative payment method.

4. ADVANCED DATA SECURITY & ENCRYPTION

We maintain physical, electronic, and procedural safeguards to protect your personal identity and billing details:

  • 256-Bit SSL Encryption: Our storefront utilizes end-to-end 256-bit Secure Sockets Layer (SSL) encryption technology. This scrambles your credit card number, personal details, and address data, preventing unauthorized third parties from intercepting your information.

  • PCI-DSS Level 1 Compliance: All transaction data is handled through payment processing systems that strictly adhere to Level 1 Payment Card Industry Data Security Standards (PCI-DSS).

  • Zero Storage Policy: Urban Packs never stores, archives, or retains your sensitive credit card account numbers, security PINs, or CVV/CVC codes on our servers.

5. ORDER CANCELLATIONS, DISPUTES & REFUND ISSUANCE

  • Order Cancellation Requests: If you wish to cancel an order after payment completion, please email our support team at support@urbanpacks.shop within 2 hours of placement. Because we aim to process and pack orders promptly, cancellations cannot be guaranteed once an order enters carrier dispatch.

  • Refund Processing Time: Approved refunds—whether issued for returned items or canceled orders—are credited directly to the original payment method used during checkout within 5 to 7 business days. We cannot issue cash refunds or transfer funds to third-party accounts.

  • Billing Discrepancies: If you observe an unexpected charge or billing error on your account statement related to Urban Packs, please contact us immediately so we can investigate and resolve the issue directly with you.

6. BUSINESS CONTACT INFORMATION

  • Business Name: Urban Packs

  • Business Contact: +1 (307) 445-9876

  • Business Email: support@urbanpacks.shop

  • Business Hours: Monday – Friday, 9:00 AM – 5:00 PM EST

  • Business Address: 5830 E 2nd St, Casper, WY 82609, United States