Payment Policy

Last Updated: 20/11/2025

Thank you for shopping at Panda Digital Designs. This Payment Policy outlines the terms and conditions governing all payments made through our store. By placing an order, you agree to the terms outlined below.

✅ Accepted Payment Methods

We accept the following secure payment methods:

Shopify Payments:

  • Visa
  • Mastercard
  • American Express
  • Discover
  • Other major credit/debit cards

PayPal:

  • PayPal Account payments
  • Credit/Debit cards through PayPal Guest Checkout
  • PayPal Pay Later options

All payments are processed securely through our certified payment partners. We do not store or have access to your full payment details at any point during the transaction.

🔒 Payment Security

Your security is our top priority. We implement the following measures to protect your information:

  • SSL Encryption: Our website uses 256-bit SSL encryption to protect all data transmitted during transactions
  • PCI Compliance: All payments are processed through PCI DSS compliant systems
  • Tokenization: Sensitive payment information is tokenized and securely handled by our payment processors
  • Fraud Prevention: We utilize advanced fraud detection systems to protect against unauthorized transactions
  • Secure Authentication: Additional security layers like 3D Secure for cards and PayPal's security measures

💰 Currency & Pricing

  • All prices are listed in US Dollars - USD
  • For international customers, your bank or PayPal will automatically convert the charge to your local currency
  • Conversion rates and foreign transaction fees are determined by your payment provider
  • We reserve the right to correct any pricing errors that may occur

📦 Order Confirmation & Payment Processing

1.Order Confirmation:

  • After completing your purchase, you will receive an automatic order confirmation email within 15 minutes
  • This email contains your order details and download instructions for your digital files
  • If you do not receive this email, please check your spam folder or contact us

2. Payment Authorization:

  • Your payment method will be authorized and charged immediately upon order placement
  • All orders are subject to payment verification and fraud screening
  • We reserve the right to cancel any order that fails our verification process

3. Payment Methods Specifics:

Shopify Payments:

  • Charges appear on your statement as "Panda Digital Designs" or similar
  • Instant payment processing for immediate download access
  • Real-time fraud screening

PayPal:

  • You will be redirected to PayPal's secure platform to complete your payment
  • Charges appear on your statement from "PayPal *Panda Digital Designs"
  • You can use your PayPal balance, linked bank account, or credit/debit cards
  • Instant payment processing for immediate download access

❌ Failed & Declined Payments

Common reasons for payment failure:

Shopify Payments Declines:

  • Insufficient funds
  • Incorrect card information (number, expiry, CVV)
  • Bank security blocks or fraud alerts
  • Billing address doesn't match bank records
  • Card issuer restrictions

PayPal Payment Issues:

  • PayPal account limitations
  • Insufficient PayPal balance or linked account funds
  • Security verification requirements
  • Regional restrictions

If your payment fails:

  • You'll receive an error message during checkout
  • Your order will not be processed
  • No funds will be withdrawn from your account
  • Contact your bank/payment provider for specific decline reasons

🔄 Refunds & Cancellations

Digital Product Policy:
Due to the immediate nature of digital delivery, all sales are final. We do not offer refunds or exchanges for:

  • Change of mind
  • Accidental purchases
  • Not reading the product description
  • Incompatibility with your software or equipment
  • Inability to download or use the files

Technical Issue Resolution:
If you experience legitimate technical issues with a file (corrupted, incomplete, or different from described), contact us within 7 days of purchase for resolution:

  • Providing replacement files
  • Troubleshooting download issues
  • Technical support assistance

⚠️ Fraud Prevention

We take fraudulent activity seriously and employ multiple verification measures:

  • Address Verification System (AVS)
  • Card Verification Value (CVV) checks
  • PayPal's fraud protection systems
  • Manual order review when necessary
  • We reserve the right to cancel any suspicious orders

❓ Frequently Asked Questions

Q: Why was my payment declined?
A: Common reasons include: insufficient funds, incorrect payment information, bank security blocks, or failed address verification. Contact your payment provider for specific details.

Q: Can I use both Shopify Payments and PayPal for one order?
A: No, each order must be completed with a single payment method.

Q: Will I be charged sales tax?
A: Sales tax is applied based on your location and local regulations. The amount will be displayed clearly during checkout.

Q: How do I know my payment information is safe?
A: We never store your full payment details. All transactions are handled by PCI-compliant payment processors with bank-level security.

Q: What happens if I'm charged but didn't receive my order?
A: Contact us immediately at support@pandadigitaldesigns.com with your order details. We will investigate and ensure you receive your files.

Q: Can I get an invoice for my purchase?
A: Yes, your order confirmation email serves as your invoice. You can also access it through your account order history.

📞 Payment Issues & Support

For payment-related inquiries, please contact us with the following information:

  • Your full name
  • Email address used for purchase
  • Order number (if available)
  • Payment method used (Shopify Payments/PayPal)
  • Description of the issue
  • Screenshot of any error messages

Contact Information:

For issues directly related to PayPal transactions, you may also contact PayPal Customer Support.

📝 Policy Updates

We reserve the right to modify this Payment Policy at any time. Changes will be effective immediately upon posting to this page. We encourage you to review this policy periodically.

Policy Acknowledgment
By placing an order with Panda Digital Designs, you acknowledge that you have read, understand, and agree to this Payment Policy.

Thank you for your trust and for supporting our small business!

The Panda Digital Designs Team