Payment Policy – Effective December 31, 2024

At TOPHATO, we are committed to providing a secure and seamless payment experience for all our customers. By using our website and making a purchase, you agree to the following Payment Policy.

1. Accepted Payment Methods

We accept a variety of payment methods to ensure that you can easily complete your purchase. The following payment methods are accepted:

  • Credit Cards: Visa, MasterCard, American Express, Discover
  • Debit Cards: Visa, MasterCard, American Express, Discover
  • PayPal: Secure online payment system for quicker checkout
  • Other Methods: Additional payment methods may be available during checkout, depending on your location.

2. Payment Authorization

  • Order Authorization: Upon placing an order, your payment information will be authorized to ensure sufficient funds are available. If your payment is authorized, your order will be processed. Please note that an authorization hold may be placed on your card until the transaction is fully completed.

  • Payment Confirmation: Once your payment has been processed successfully, you will receive an order confirmation email. This email confirms that your payment has been received and that your order is being prepared for shipment. However, please note that receiving this confirmation does not guarantee that your order will be fulfilled (see product availability).

3. Payment Security

We prioritize your security. TOPHATO uses industry-standard encryption technologies to ensure that your payment information is securely processed. Our payment gateway complies with all applicable laws and regulations to safeguard your personal and financial information.

  • Secure Checkout: All transactions are processed through secure and encrypted payment systems to protect your data.
  • PCI-DSS Compliance: We adhere to the Payment Card Industry Data Security Standards (PCI-DSS) to ensure secure handling of payment information.

4. Order Cancellation and Changes

Once your order has been submitted, we begin processing it immediately. If you need to make changes or cancel your order, please contact us as soon as possible. While we strive to accommodate such requests, orders that have already been shipped cannot be canceled or modified.

5. Taxes

Sales tax will be applied to all orders based on the delivery address and the applicable tax laws. The sales tax amount will be calculated during checkout and added to the total cost of your order. For orders outside the United States, customs duties and taxes may apply, and these are the responsibility of the customer.

6. Payment Errors and Declines

  • Payment Declined: If your payment is declined or not processed successfully, we will notify you immediately and may request that you provide an alternate payment method. If a payment is not authorized, your order will not be processed.

  • Payment Issues: If there are any issues with the payment (e.g., insufficient funds or expired credit card), we will attempt to contact you to resolve the issue. TOPHATO reserves the right to cancel any order if payment is not successfully processed.

7. Currency

All prices are listed in U.S. dollars (USD). If you are an international customer, the amount will be converted to your local currency by your payment provider, which may include additional conversion fees.

8. Refunds

Refunds will be processed in accordance with our Refund and Return Policy. If your payment is eligible for a refund, the funds will be returned to the original payment method within a reasonable timeframe. Please note that it may take additional time for your bank or payment provider to process the refund.

9. Changes to Payment Policy

TOPHATO reserves the right to modify or update this Payment Policy at any time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about payment methods and procedures.

10. Contact Us

If you have any questions or concerns about our Payment Policy, please contact us:

  • Email: info@tophato.net
  • Phone: (715) 582-4080
  • Address: 701 Willow St, Peshtigo, Wisconsin

Effective Date: This Payment Policy is effective as of December 31, 2024.

Thank you for choosing TOPHATO. We are committed to providing you with a secure, easy, and enjoyable shopping experience.