Payments
This Payments policy explains how we process payments, what methods we accept, and important information regarding payment processing, currency, and fees. Please read it carefully before placing an order.
1. Accepted Payment Methods
We accept the following payment methods on miuluga.online:
| Payment Method | Notes |
|---|---|
| Visa | Credit and debit cards bearing the Visa logo |
| PayPal | Secure checkout using your PayPal account |
We do not accept:
- American Express
- Mastercard
- Discover
- Bank transfers
- Cash
- Checks
- Money orders
- Any other payment methods not listed above
This list is exhaustive. No other payment methods are available at this time.
2. Currency
All transactions on miuluga.online are processed exclusively in United States Dollars (USD). All prices displayed on our Site are in USD.
We do not accept payments in any other currency.
3. Currency Conversion
A. For Customers in the United States
If you are shopping within the United States, your payment is processed in USD. No currency conversion applies.
B. For Customers Outside the United States
If you are shopping from outside the United States, please be aware of the following:
| Fee Type | Who Applies It | Who Is Responsible |
|---|---|---|
| Currency conversion fee | Your bank, credit card issuer, or PayPal | You (the customer) |
| International transaction fee | Your bank, credit card issuer, or PayPal | You (the customer) |
| Foreign exchange rate | Set by your bank, credit card issuer, or PayPal at the time of processing | Determined by your payment provider |
| Cross-border fee | Your bank, credit card issuer, or PayPal | You (the customer) |
We do not:
- Set, apply, or control currency exchange rates
- Charge any currency conversion fees ourselves
- Determine the exchange rate used for your transaction
- Set international transaction fees
- Reimburse any fees charged by your bank or payment provider
The exchange rate applied to your transaction is determined solely by your bank, credit card issuer, or PayPal at the time the transaction is processed. The rate may differ from market exchange rates and may be updated daily or at the discretion of your payment provider.
You are responsible for all fees, charges, and exchange rates applied by your bank or payment provider. We have no control over these fees and cannot predict what they will be.
C. Estimated Exchange Rates
We do not display estimated exchange rates on our Site. The final amount charged to your account in your local currency is determined exclusively by your payment provider at the time of authorization. We recommend contacting your bank or payment provider for information about their current exchange rates and fee structures before placing an order.
4. Billing Information Requirements
To successfully process your payment, you must provide billing information that exactly matches the information on file with your bank or PayPal account. This includes:
- Full legal name as it appears on your card or PayPal account
- Billing address (street, city, state, ZIP/postal code)
- Valid card number / PayPal login credentials
If your billing information does not match, your payment will be declined. We do not manually override declined payments. You must correct your information and resubmit your order.
5. Payment Processing
A. Who Processes Your Payment
We use third-party payment processors to handle all payment transactions. Our current processors include Stripe (for Visa) and PayPal. These processors are responsible for securely handling your payment data. We may change our payment processors at any time without prior notice. Any changes will be reflected in the way payments are processed, but this will not affect your obligation to pay for orders you have placed.
B. What We Store
We do not store, view, or have access to your full payment card information, including:
- Full card numbers
- CVV/CVC security codes
- Card expiration dates
All sensitive payment data is handled exclusively by our payment processors. They are independently responsible for their own compliance with the Payment Card Industry Data Security Standard (PCI DSS) and other applicable security requirements.
C. What We Receive
We receive only the following from our payment processors:
- Payment confirmation (approved or declined)
- Last 4 digits of your card (for reference only)
- Billing name and address (for order fulfillment)
- Transaction ID
We do not receive your full card number, CVV, or expiration date at any time.
6. Payment Authorization
When you place an order:
- We submit your payment information to our payment processor
- The processor authorizes the payment for the full order amount
- A temporary hold (pre-authorization) may appear on your account
- The final charge is applied only after your order is confirmed
We do not charge your payment method until your order is confirmed. However, the temporary hold may reduce your available balance. The hold is released by your bank or payment provider according to their own policies. We have no control over how long a hold remains on your account.
We do not accept partial payments. The full order total must be authorized and charged before we begin order fulfillment.
7. Sales Tax
We collect sales tax on orders shipped to states where we are legally required to do so. Sales tax is calculated at checkout based on your shipping address and applicable state and local tax laws.
Tax rates we apply: The current tax rate for the state and locality of your shipping address, as determined by our tax calculation service. These rates are set by applicable taxing authorities and are subject to change without notice. We do not control these rates and simply pass them through to you.
We do not:
- Offer tax exemptions unless you provide valid exemption documentation
- Calculate taxes for states where we are not legally required to collect them
- Refund taxes after an order is placed unless the order itself is canceled or returned in accordance with our Returns & Refunds policy
If you believe you are exempt from sales tax, you must contact us before placing your order at deryksandez332@gmail.com. We require valid exemption documentation, which we will review on a case-by-case basis. Approval is not guaranteed.
8. Payment Declines
If your payment is declined by our payment processor, your order will not be processed.
Common reasons for decline:
| Reason | Solution |
|---|---|
| Insufficient funds | Add funds to your account or use another payment method |
| Incorrect billing information | Update billing address to match your bank records |
| Expired card | Use a valid, unexpired card |
| Incorrect CVV | Re-enter the security code correctly |
| Bank fraud block | Contact your bank to authorize the transaction |
| PayPal login error | Reset your PayPal password or use Visa instead |
| Bank declined for other reasons | Contact your bank or payment provider |
We do not:
- Place orders on hold while you resolve a decline
- Manually approve declined transactions
- Complete orders without payment authorization
- Contact you to resolve payment issues (you must contact us if you need assistance)
- Attempt to charge your payment method again automatically
- Hold inventory for orders with failed payments
If your payment is declined, your order is automatically canceled. You must place a new order with correct payment information.
9. Refunds
Refunds are processed only in accordance with our Returns & Refunds policy. All refunds are credited to the original payment method used for the purchase.
| Payment Method Used | Refund Method |
|---|---|
| Visa | Refund to the original Visa card |
| PayPal | Refund to your PayPal account |
Refund timing:
- Refunds are processed within 7–10 business days after we approve your return
- The time for the refund to appear in your account depends on your bank or PayPal
We do not issue:
- Cash refunds
- Refunds by check
- Refunds to different cards or payment methods
- Refunds for currency conversion fees or exchange rate fluctuations
Important: If you were charged currency conversion fees by your bank or PayPal at the time of purchase, these fees are not refundable by us. The refunded amount will be in USD, and your bank or PayPal will convert it back to your local currency. The exchange rate applied at the time of refund is determined solely by your bank or PayPal and may differ from the rate applied at the time of purchase. We have no control over this and are not responsible for any differences in the refund amount due to exchange rate fluctuations or fees.
10. Contact Us
If you have any questions about this Payments policy or encounter any payment issues, contact us:
Email: deryksandez332@gmail.com
Phone: 240-317-7129
Working Hours: Monday – Saturday · 9AM – 5PM
We will respond to your inquiry as promptly as possible.
miuluga — Beauty, On Your Own Terms.
Refund timing:
- Refunds are processed within 7–10 business days after we approve your return
- The time for the refund to appear in your account depends on your bank or PayPal
We do not issue:
- Cash refunds
- Refunds by check
- Refunds to different cards or payment methods
10. Contact Us
If you have any questions about this Payments policy or encounter any payment issues, contact us:
Email: deryksandez332@gmail.com
Phone: 240-317-7129
Working Hours: Monday – Saturday · 9AM – 5PM
We will respond to your inquiry as promptly as possible.
miuluga — Beauty, On Your Own Terms.