Payment Policy

At Scandicture, we strive to make your shopping experience secure and convenient. This Payment Policy outlines the payment methods we accept, how we process payments, and important information about payment security.

Accepted Payment Methods

We accept the following secure payment methods for all purchases:

Credit and Debit Cards

  • Visa
  • Mastercard
  • American Express

Digital Wallets

  • Apple Pay
  • Google Pay
  • PayPal

All payment methods are processed securely through our encrypted payment gateway.

Payment Processing

When is payment charged?
Your payment method will be charged when you place your order. We must receive and process your payment successfully before your order is confirmed and fulfilled.

Payment authorization:
When you submit your order, your payment method will be authorized for the total amount, including:

  • Product cost
  • Applicable taxes
  • Shipping fees (if applicable)

Order confirmation:
Once your payment is successfully processed, you'll receive an order confirmation email with your order details and receipt.

Payment Currency

Prices on our website are displayed in multiple currencies depending on your location:

  • USD (United States Dollar)
  • CAD (Canadian Dollar)
  • AUD (Australian Dollar)
  • GBP (British Pound Sterling)

You will be charged in the currency displayed at checkout. Please note that if your bank or credit card is in a different currency, your financial institution may apply currency conversion fees.

Payment Security

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

Secure Checkout:
Our checkout process uses industry-standard SSL (Secure Socket Layer) encryption technology to protect your payment information during transmission.

PCI Compliance:
We are PCI DSS (Payment Card Industry Data Security Standard) compliant, ensuring your payment data is handled according to the highest security standards.

We Don't Store Your Payment Details:
Your complete credit card information is processed by our secure payment processor and is not stored on our servers. We only retain the last four digits of your card number for order reference purposes.

Fraud Prevention:
We use advanced fraud detection tools to protect both you and Scandicture from fraudulent transactions. In some cases, we may contact you to verify your order before processing.

Failed or Declined Payments

If your payment is declined or fails to process, your order will not be confirmed. Common reasons for payment failure include:

  • Insufficient funds
  • Incorrect card details
  • Card expired
  • Billing address mismatch
  • Card issuer decline

What to do if your payment fails:

  1. Verify your payment information is correct
  2. Check with your bank or card issuer
  3. Try a different payment method
  4. Contact us at info@scandicture.com for assistance

We do not have access to the specific reason your bank or card issuer declined the transaction. Please contact your financial institution directly for more information.

Payment Verification

To protect against fraud, we may need to verify certain orders before processing. This may involve:

  • Contacting you via email or phone
  • Requesting additional identification
  • Verifying your billing address

We reserve the right to cancel any order if we cannot verify payment information or if we suspect fraudulent activity.

Pricing and Billing Errors

While we strive for accuracy, pricing or billing errors may occasionally occur. If we discover an error after you've placed an order:

  • We'll contact you as soon as possible
  • You'll have the option to proceed with the corrected price or cancel your order
  • If you've already been charged, we'll process a refund for the difference (if overcharged) or contact you to collect additional payment (if undercharged)

Taxes

Applicable sales taxes, VAT, or GST will be calculated and added to your order at checkout based on your shipping address. Tax rates vary by location and are subject to change based on local tax laws.

Refunds and Payment Reversals

Standard refunds:
All approved refunds are processed back to your original payment method. Please see our Return and Refund Policy for complete details on our return process and refund timelines.

Refund processing time:

  • Credit/Debit Cards: 3-10 business days after refund approval
  • PayPal: 1-3 business days after refund approval
  • Apple Pay/Google Pay: 3-10 business days after refund approval

Chargebacks:
If you initiate a chargeback or payment dispute with your bank or credit card company without first contacting us, we may be unable to assist you or provide a refund. Please contact us at info@scandicture.com first to resolve any payment issues.

Multiple Payment Methods

At this time, we cannot split payments across multiple payment methods for a single order. You must use one payment method per transaction.

Payment Method Updates

If you have a Scandicture account, you can update your saved payment information at any time by:

  1. Logging into your account
  2. Navigating to "Account Settings" or "Payment Methods"
  3. Adding, updating, or removing payment methods

We do not store complete payment details, so you'll need to re-enter your information for security purposes.

International Payments

We accept international credit and debit cards and PayPal for customers outside our primary shipping countries. Please note:

  • Your card must support international transactions
  • Your bank may charge foreign transaction fees
  • Currency conversion rates are determined by your financial institution
  • You are responsible for any import duties, taxes, or customs fees charged by your country

Pre-orders and Backorders

For pre-orders or backordered items (if applicable):

  • Payment is collected when you place your order, not when the item ships
  • If you order multiple items with different availability dates, you'll be charged once for all items
  • You can cancel a pre-order or backorder before it ships by contacting us

Gift Cards and Store Credit

If we offer gift cards or store credit in the future, those payment methods can be combined with the payment methods listed above to complete your purchase.

Contact Us About Payments

If you have questions about payments, billing, or need assistance with a payment issue, please contact us:

Company Name: Blackwatch Holding AB (operating as Scandicture)
Company Number: 559502-7375
Address: Askfatsvägen 1, Dalarö, Stockholm, 137 70, Sweden
Email: info@scandicture.com
Contact Form: Get in touch
Phone: +46 79 352 77 84

Customer Service Hours: Monday to Friday, 9:00 AM – 5:00 PM (Central European Time)