Payment Methods & Policy

1. What we accept

Checkout is quick and familiar: choose your method, press pay, and your order is placed and charged just like on any other store. We accept:

• Major cards — Visa, Mastercard, American Express and Discover, whether debit or credit.
• Digital wallets — Apple Pay and Google Pay.
• PayPal.

Every payment runs through a secure, encrypted checkout powered by Shopify Payments and PayPal. All charges are in U.S. Dollars (USD). We do not accept cash, cheques, money orders or bank transfers, and we will never ask for card details by phone or email — anyone who does is not us.

2. How a payment works

When you press pay, your bank first confirms the funds and reserves them — you may briefly see the amount as "pending". We then accept the order and the charge settles, and your order moves into processing. It is worth knowing that the order confirmation email tells you we received your order; the contract of sale is formed when we accept and dispatch it, as set out in our Terms.

If for any reason we cannot accept an order after your bank has reserved the funds, the reservation is simply released — no money is captured, and the pending amount drops off on your bank's schedule, usually within a few business days.

3. Your card details are never ours to keep

Payments are handled by PCI-DSS compliant processors over an encrypted connection. Your card details are entered into a field hosted by the processor and sent straight to them — we never see, receive or store your full card number, expiry date or security code. What reaches us is enough to identify your order and issue a refund, and nothing more. That is why we can refund you without asking for your card again, and why we genuinely cannot read your number back to you if you ask.

4. What appears on your statement

Charges from us show up as Ayra Commerce on your bank or card statement. Banks often shorten or reformat payment descriptors, so if a charge looks unfamiliar, check whether it matches that name before disputing it — one email to info@byayra.com will confirm it far faster than a dispute.

5. If a payment is declined

Declines come from your bank, not from us, and we rarely receive a reason. Before trying again, check the card number, expiry and security code, make sure the billing address matches your bank's records, and confirm the card is cleared for online purchases with funds available. If it still fails, use another method or contact your card issuer. Repeating a declined payment several times tends to lock the card rather than push it through.

6. Pending charges that look like duplicates

A failed or repeated attempt can leave a temporary "pending" hold on your account. It is not a charge — no money has moved and nothing has been taken twice — and it clears on your bank's schedule, typically within a few business days. If you see two fully settled charges for one order, email us both entries and we will trace and refund the duplicate.

7. Order confirmation

A confirmation email with your order number arrives within minutes of a successful payment. If it has not turned up, check your spam and promotions folders first — transactional email is filtered more often than people expect. Still nothing? Email info@byayra.com and we will find your order and resend it. A missing email does not mean a missing order.

8. Taxes

Any applicable sales tax is calculated at checkout based on your delivery address and shown in full before you pay. Nothing is added afterwards.

9. Pricing errors

We publish prices carefully, but if an item appears at a clearly incorrect price we may cancel the affected order and refund you in full, even after payment — and we will always contact you first and offer you the correct price instead.

10. Refunds

Refunds are issued to your original payment method only. Timing — and why your bank sometimes takes a few days longer than we do — is explained in our Returns & Refunds Policy.

11. Disputes and chargebacks

Come to us first — it works better for you. We can usually fix a problem within a day, whereas a chargeback locks the amount for weeks while the banks correspond. If you believe your card has been used fraudulently, tell your bank at once and email us at info@byayra.com so we can cancel anything not yet shipped. Where a chargeback is raised on an order that was delivered as described, without any attempt to contact us first, we may recover the amount and associated fees by lawful means.

12. The short rules

• Orders are paid in full at checkout — nothing is packed or shipped until payment is confirmed.
• You confirm you are the cardholder, or are authorised to use the method you have chosen.
• We may refuse or cancel any order, and will refund it in full if we do.

13. Questions?