Payment Policy

Payment Policy

Last Updated: September 15, 2026

Thank you for shopping with GRATIOSA.

This Payment Policy explains how payments are processed for purchases made through gratiosa.com.

GRATIOSA is operated by XUNWANGMS INC.

1. Accepted Payment Methods

Available payment methods are displayed during checkout and may vary depending on your country, region, device, currency, and checkout configuration.

Depending on availability, payment methods may include:

  1. Major credit cards
  2. Debit cards
  3. Digital wallets
  4. Shopify-supported payment methods
  5. Other payment options made available during checkout

The payment methods shown at checkout are the payment methods currently available for your order.

2. Payment Processing

Payments made through gratiosa.com are processed through Shopify and/or authorized third-party payment service providers.

When you place an order, your payment information may be transmitted directly to the applicable payment processor.

GRATIOSA does not independently store complete credit-card numbers or full payment credentials unless such processing is specifically permitted and handled through an authorized payment provider.

Payment processing may be subject to the terms, privacy policies, security procedures, and authorization requirements of the applicable payment provider.

3. Payment Authorization

When you submit an order, your payment method may be authorized for the total amount of your purchase.

Your bank, card issuer, or payment provider may temporarily place an authorization hold on your account.

The timing and handling of authorization holds are controlled by the applicable financial institution or payment provider.

If an order is cancelled or payment is not completed, the release of any pending authorization may take additional time depending on your financial institution.

4. Order Confirmation

Submitting payment does not necessarily mean that an order has been finally accepted.

After an order is placed, we may review or verify information relating to:

  1. Payment authorization
  2. Billing information
  3. Shipping information
  4. Product availability
  5. Fraud-prevention checks
  6. Order accuracy
  7. Other operational or security requirements

An order confirmation may be sent after your order is successfully submitted.

If we are unable to process or accept an order, we may contact you using the information provided during checkout.

5. Billing Information

Customers are responsible for providing accurate and complete billing information.

This may include:

  1. Cardholder name
  2. Billing address
  3. Postal or ZIP code
  4. Telephone number
  5. Email address
  6. Other information required by the payment provider

Incorrect or incomplete billing information may result in payment failure, order delay, or cancellation.

6. Payment Security

GRATIOSA uses Shopify and authorized payment providers to facilitate payment processing.

These providers may use security measures designed to help protect payment information during transmission and processing.

However, no online payment or electronic transmission system can be guaranteed to be completely secure.

Customers should use secure devices and trusted internet connections when making online purchases.

7. Failed or Declined Payments

A payment may be declined or fail for reasons including:

  1. Insufficient funds
  2. Incorrect card details
  3. Incorrect billing information
  4. Expired payment method
  5. Bank or card issuer restrictions
  6. Fraud-prevention controls
  7. Payment provider restrictions
  8. Technical errors
  9. Regional payment limitations

If your payment is declined, please verify your payment information or contact your bank, card issuer, or payment provider.

GRATIOSA may not have access to the specific reason a payment was declined by your financial institution.

8. Payment Verification

For security or fraud-prevention purposes, we may request additional information to verify a transaction.

This may include confirmation of:

  1. Billing details
  2. Shipping details
  3. Order information
  4. Payment authorization
  5. Customer identity where permitted by applicable law

We reserve the right to delay, decline, or cancel an order where reasonable payment or fraud concerns cannot be resolved.

9. Currency

Prices displayed on gratiosa.com may be shown in the currency associated with your selected market, location, or store configuration.

The final currency and amount charged will be displayed during checkout before you complete your purchase.

Your bank or payment provider may apply:

  1. Currency conversion rates
  2. Foreign transaction fees
  3. Processing fees
  4. Other banking charges

Any such fees imposed by your bank or payment provider are generally outside GRATIOSA's control.

10. Taxes

Applicable sales tax, use tax, value-added tax, or other taxes may be calculated and displayed during checkout where required.

Tax amounts may depend on factors including:

  1. Shipping destination
  2. Billing location
  3. Product type
  4. Applicable tax laws
  5. Checkout configuration

Any applicable tax amount will be displayed before payment is completed where required.

11. Discounts & Promotional Codes

Where available, valid promotional or discount codes may be entered during checkout.

Unless otherwise stated:

  1. Promotional codes may have expiration dates
  2. Certain products may be excluded
  3. Minimum purchase requirements may apply
  4. Some discounts may not be combined
  5. Promotions may be subject to additional terms

If a promotional code is not accepted during checkout, please verify that the code is valid and that all applicable conditions have been met.

12. Pricing Errors

We make reasonable efforts to ensure that product prices and checkout information are accurate.

However, errors may occasionally occur.

If a material pricing or payment error is identified before an order is fulfilled, we may contact you regarding the issue.

Where appropriate and permitted by applicable law, we may cancel or correct an affected order and issue a refund for any payment already collected.

13. Duplicate Charges

If you believe you have been charged more than once for the same order, please first review your bank or payment account.

In some cases, one transaction may be a temporary authorization rather than a completed charge.

If you continue to believe a duplicate charge has occurred, please contact:

support@gratiosa.com

Please include your order number and relevant transaction information.

Do not send complete credit-card numbers or other highly sensitive payment credentials by email.

14. Refunds

Approved refunds will generally be issued to the original payment method used for the purchase unless otherwise required by applicable law or agreed in writing.

Once a refund has been processed by GRATIOSA, the time required for the funds to appear in your account may depend on your:

  1. Bank
  2. Card issuer
  3. Payment processor
  4. Payment method

GRATIOSA does not control the processing time of financial institutions after a refund has been submitted.

For more information about refunds, returns, and eligibility requirements, please review our Return & Refund Policy.

15. Chargebacks & Payment Disputes

If you believe there is a problem with your order or payment, we encourage you to contact our Customer Care team before initiating a payment dispute.

We will make reasonable efforts to review legitimate order concerns.

If a chargeback or payment dispute is initiated, we may provide relevant transaction and order information to the payment provider, bank, card network, or other applicable institution as permitted by law.

This information may include:

  1. Order details
  2. Payment confirmation
  3. Shipping or delivery information
  4. Customer communications
  5. Refund records
  6. Other information relevant to the dispute

16. Fraud Prevention

To help protect customers and our business, orders may be reviewed for suspected fraud, unauthorized payment activity, or other security concerns.

We may delay, refuse, or cancel an order if we reasonably believe:

  1. The payment may be unauthorized
  2. The transaction may be fraudulent
  3. Information provided is materially inconsistent
  4. Additional verification is required
  5. Processing the transaction could create a security or legal risk

Any refund due following cancellation will be handled in accordance with applicable law and our policies.

17. Changes to This Payment Policy

We may update this Payment Policy periodically to reflect changes in:

  1. Payment methods
  2. Payment providers
  3. Checkout functionality
  4. Store operations
  5. Fraud-prevention procedures
  6. Applicable laws or regulations

When this policy is updated, the “Last Updated” date at the top of this page will be revised.

18. Contact Us

If you have questions regarding payments, billing, refunds, or an order, please contact us.

GRATIOSA Customer Care

Email:
support@gratiosa.com

Website:
gratiosa.com

Company Information

Brand:
GRATIOSA

Company Name:
XUNWANGMS INC

Company Address:
911 Arroyo Ave
Pueblo, CO 81006
United States

Telephone:
+1 405-204-8300

Email:
support@gratiosa.com

Website:
gratiosa.com

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