Payment Policy – Worldbina

Effective Date: September 5, 2025

At Worldbina, we are committed to providing a secure, efficient, and seamless payment experience for all customers shopping on https://worldbina.com. This Payment Policy explains the terms and conditions related to payments for purchases made on our website. By completing a transaction with us, you agree to the terms outlined below.

1. Accepted Payment Methods

We accept the following payment options:

  • Credit/Debit Cards:

    • Visa

    • MasterCard

    • American Express

    • Discover

  • PayPal: Secure and fast checkout option.

  • Apple Pay: Available for compatible Apple devices.

  • Google Pay: Supported for Android and Google account users.

  • Other Local Payment Methods: May be available depending on your region. Options will appear during checkout.

2. Payment Authorization

By placing an order on Worldbina, you:

  • Authorize us to charge your selected payment method for the full amount of your purchase, including shipping and taxes.

  • Will receive an Order Confirmation email once the payment is processed.

3. Payment Security

Your financial security is our top priority:

  • All payment transactions are encrypted and processed using secure SSL/TLS protocols.

  • We comply with PCI-DSS (Payment Card Industry Data Security Standard) requirements.

  • Sensitive data (e.g., card numbers) is never stored on our servers.

4. Payment Errors

If a payment fails or encounters issues:

  • You will be notified promptly and provided with steps to resolve the issue.

  • Common issues include:

    • ❌ Declined Transactions: Check card details or contact your bank.

    • 💳 Insufficient Funds: Use an alternate payment method or resolve with your bank.

5. Order Review & Processing

After successful payment:

  • We begin preparing your order for shipment.

  • Worldbina may review or cancel orders if:

    • Fraud is suspected

    • Payment cannot be verified

  • In such cases, we may contact you for verification.

6. Taxes

Sales tax will be applied if required by your:

  • State

  • County

  • Local jurisdiction

Tax is calculated at checkout and based on your shipping address.

7. Currency

All transactions are processed in U.S. Dollars (USD).

  • If purchasing from outside the U.S., your bank may apply:

    • Currency conversion fees

    • International transaction charges
      These fees are your responsibility.

8. Payment Confirmation

Once your payment is complete, you will receive:

  • An Order Confirmation Email containing:

    • Purchase details

    • Total amount

    • Estimated delivery

📩 Didn’t receive the email? Check your spam folder or contact info@worldbina.com.

9. Failed Payments

If your payment fails or is reversed:

  • Your order may be cancelled or delayed.

  • We will notify you and request resolution before further processing.

10. Refunds

For eligible returns or canceled orders:

  • Refunds are processed in line with our Refund and Returns Policy.

  • Refunds are issued to the original payment method.

  • Time to reflect in your account may vary by payment provider (typically 3–10 business days).

11. Payment Disputes

If you file a chargeback or payment dispute:

  • We may place a hold on your order until the issue is resolved.

  • All disputes will be handled per our internal policies and those of your payment provider.

12. Contact Us

For questions or concerns regarding your payment or this policy, please contact us:

Worldbina Customer Support
📧 Email: info@worldbina.com
📞 Phone: (973) 248-0981
📍 Address: 120 Willard St #APT 12, Pompton Lakes, New Jersey
🌐 Website: https://worldbina.com