Payment Policy

At Xmas Fir Tree, we provide a secure and transparent shopping experience. This policy outlines how we handle payments, security, and refunds.

1. Accepted Payment Methods

We accept the following payment methods for all orders:

Credit/Debit Cards: Visa, MasterCard, American Express, and Discover.
Digital Wallets: PayPal.

Note: All credit card transactions are securely processed through the PayPal gateway. You do not need a PayPal account to complete your purchase; you may check out as a guest using your preferred credit or debit card.

2. Payment Currency & Taxes

Currency: All prices are listed and processed in U.S. Dollars (USD).
Taxes: Sales tax is calculated automatically at checkout based on your shipping address and local state regulations.
Shipping: Standard shipping is FREE for all orders within the continental USA.

3. Payment Security & Encryption

Your financial safety is our priority. We use industry-standard security protocols to protect your data:

PCI-DSS Compliance: We use PCI-compliant processors to ensure your card data is handled securely.
SSL Encryption: Our website uses Secure Socket Layer (SSL) technology to encrypt your personal information during the checkout process.
Data Privacy: Xmas Fir Tree does not store or have access to your full credit card numbers or PayPal login credentials.

4. Billing & Payment Timing

Immediate Capture: Your payment method is charged immediately upon clicking the “Complete Order” button.
Order Processing: Orders begin processing only after successful payment authorization.
No Hidden Fees: The total amount shown at checkout is the final price you will pay. We do not charge hidden “handling” or “transaction” fees.

5. Refund Policy (Consistent with Return Policy)

In the event of a return or cancellation:

Original Method: All refunds are issued to the original payment method used at checkout.
Processing Time: Once your return is received and inspected, we will process your refund within 5–7 business days.
Bank Delays: Depending on your financial institution, it may take an additional 3–5 business days for the credit to appear on your statement.

6. Fraud Prevention

To protect our customers, all orders are subject to a fraud screening process. We reserve the right to cancel any order that appears suspicious or fraudulent. If your order is flagged, our customer service team will reach out to verify your information before shipping.

7. Contact Information

If you have any questions regarding your billing, please contact us:

Business Name: Xmas Fir Tree
Address: 1223 Santo St, Traverse City, MI 49686, USA
Phone: +1 (313) 200-9909
Email: help@xmasfirtree.com
Hours: Monday–Friday, 9:00 AM – 5:00 PM EST