Payment Policy

Effective Date: March 8, 2025

At Worldbina, we strive to provide a secure, efficient, and convenient payment experience for our customers. This Payment Policy outlines the terms and conditions governing payments for purchases made on worldbina.com. By making a purchase, you agree to comply with the following terms:

1. Accepted Payment Methods

We accept the following payment methods for purchases on worldbina.com:

  • Credit/Debit Cards: We accept major credit and debit cards, including:
    • Visa
    • MasterCard
    • American Express
    • Discover
  • PayPal: You can use PayPal for a secure and fast checkout experience.
  • Apple Pay: For customers with Apple Pay enabled, you can use it for your purchase.
  • Google Pay: Google Pay is also available as a payment method.
  • Other Payment Methods: Depending on your location, additional payment methods may be available. These options will be displayed during checkout.

2. Payment Authorization

By placing an order with Worldbina, you authorize us to charge your selected payment method for the total amount of the purchase, including applicable taxes and shipping fees. We will process your payment once your order is placed, and an Order Confirmation email will be sent to you.

3. Payment Security

We prioritize the security of your personal and financial information. All payment transactions are encrypted using secure protocols. Our website complies with the latest security standards, including PCI-DSS (Payment Card Industry Data Security Standard), to ensure that your payment details are safe. Your sensitive information, such as credit card details, is never stored on our servers.

4. Payment Errors

In the event of a payment error, such as a declined transaction or technical issue, we will notify you and provide options to resolve the issue. It is your responsibility to ensure that the payment information provided is accurate and up-to-date.

  • Declined Transactions: If your payment method is declined, please check the payment information and contact your bank or card issuer for assistance. If the issue persists, you may need to use an alternative payment method.
  • Insufficient Funds: If the payment fails due to insufficient funds or other issues with your payment method, the order will not be processed until the issue is resolved.

5. Order Review and Payment Processing

Once your payment is processed, we will begin preparing your order for shipment. Worldbina reserves the right to review and cancel any order if payment issues are detected or if there are concerns about the validity of the order. In such cases, we may contact you for clarification or verification.

6. Taxes

Sales tax will be applied to your order if required by your state or local jurisdiction. The applicable tax rate will be calculated during checkout and displayed before you complete the payment. Tax rates are based on the shipping address you provide.

7. Currency

All transactions on worldbina.com are processed in U.S. Dollars (USD). If you are purchasing from outside the United States, your bank or payment provider may apply currency conversion fees or additional charges. These fees are the responsibility of the customer.

8. Payment Confirmation

Once your payment is successfully processed, you will receive an Order Confirmation email with the details of your purchase. This email serves as proof of your transaction. If you have not received a confirmation email, please check your spam or junk folder or contact our customer support team.

9. Failed Payments

If a payment fails or is reversed by your bank or payment provider, Worldbina reserves the right to cancel your order or suspend the processing of your order until the payment issue is resolved.

10. Refunds

In the event that your order is canceled or returned, Worldbina will process your refund in accordance with our Refund and Returns Policy. Refunds will be issued to the original payment method used at the time of purchase. Depending on your payment provider, it may take several business days for the refund to appear in your account.

11. Payment Disputes

If you initiate a payment dispute or chargeback with your payment provider, we may cancel or suspend your order until the dispute is resolved. Any chargebacks or payment disputes will be handled in accordance with our policies and the terms of your payment provider.

12. Contact Us

If you have any questions regarding our Payment Policy, need assistance with payment issues, or have any concerns, please feel free to contact us:

  • Email: info@worldbina.com
  • Phone: (973) 248-0981
  • Address: 120 Willard St #APT 12, Pompton Lakes, New Jersey

This Payment Policy is effective as of March 8, 2025.