💳 CotaJewelry | Payment & Billing Policy

We offer a secure, seamless checkout experience with multiple payment options. Available methods may vary by device, browser, and region—your final available options will be shown dynamically at checkout.

🛒 1. Accepted Payment Options

Cards & Express Checkout: We accept major Credit/Debit Cards including Visa, Mastercard, American Express, UnionPay, JCB, Discover, and Diners Club. Express checkout options include Apple Pay, Google Pay, Shop Pay, and PayPal.

Buy Now, Pay Later (BNPL): Klarna and Zip are available for flexible payment tracking in select eligible regions (such as the US, UK, Europe, and Australia).

Local & Alternative Payment Methods: Depending on your country, localized payment options will automatically appear at checkout, including iDEAL (Netherlands), Bancontact (Belgium), Przelewy24 & Blik (Poland), EPS (Austria), PayU (Eastern Europe), Satispay (Italy), and Trustly (Europe Bank Transfer).

❌ 2. If a Payment Fails

If your payment is declined or fails during checkout, please try the following troubleshooting steps:

Check Billing Details: Confirm that your card numbers, expiration date, and billing information (especially the name, billing address, and ZIP/postcode) match your bank records exactly.

Alternative Methods: Try using a different credit card, or switch to an express option like PayPal or Shop Pay.

Bank Authorization: Contact your card-issuing bank to ensure international transactions are authorized on your account.

Technical Adjustments: If using Apple Pay or Google Pay, try switching your web browser (e.g., Safari for Apple Pay) or clearing your browser cache.

Need immediate billing assistance? Please email us at Support@cotajewelry.com.

⏳ 3. Pending Charges & Billing Exceptions

Authorization Holds: If you notice a charge on your statement but did not receive an email order confirmation, it is highly likely a temporary authorization hold. These are not actual charges and are typically released automatically by your bank within 3–10 business days.

How to Resolve: To help us verify and resolve this quickly, please email Support@cotajewelry.com with the following details:

• The exact email address used at checkout.

• The date, time, and exact amount of the charge.

• The payment method used.

• The last 4 digits of the card used (⚠️ Important: please do not share full card details for your safety).

📝 4. Billing Descriptor

Statement Review: Charges from our store will typically appear on your credit card or bank statement as cotajewelry or shopify*cotajewelry. The exact text variation depends entirely on your specific bank and payment provider.

💰 5. Taxes, VAT & Customs

Inclusive Pricing: Product prices listed on our website are inclusive of estimated taxes and VAT where applicable based on regional guidelines.

Important Notice: In rare cases where the destination country requires the recipient to handle customs clearance personally, any additional clearance fees or local taxes arising from that process are not covered by CotaJewelry. If a package is abandoned, destroyed, or returned because the recipient refuses or fails to cooperate with this local clearance process, no refund will be issued.

🔒 6. Payment Security

Data Protection: Your security is our highest priority. All payments are processed through fully encrypted connections utilizing industry-standard Secure Sockets Layer (SSL) technology. CotaJewelry never views, accesses, or stores your full card information.