Payment Terms

Payment Policy

Last Updated: July 21, 2026

At Zcjcz, we aim to provide a safe, clear, and convenient online payment experience. This Payment Policy explains the payment methods we accept, transaction currency, payment processing, billing verification, refunds, and payment-related security practices.

This policy applies to purchases made through our official website, https://www.zcjcz.com/.

1. Accepted Payment Methods

Zcjcz currently accepts the following payment methods at checkout:

• Credit and Debit Cards: Visa, Mastercard, American Express, Diners Club, and Discover
• Digital Wallets: Apple Pay, Google Pay, and Shop Pay
• Alternative Payment Method: PayPal

The payment methods displayed during checkout are the payment options available for the specific transaction. The availability of a particular digital wallet or payment option may depend on the customer’s device, browser, location, account eligibility, and payment provider.

An order cannot proceed to fulfillment unless the required payment authorization or payment processing is successfully completed.

2. Currency and Checkout Total

All prices on our website are displayed and charged in United States Dollars (USD) unless another currency is expressly shown during checkout.

The final checkout total may include:

• Product prices
• Applicable discounts
• Applicable taxes based on the shipping address and order details
• Any shipping charge displayed before payment

Zcjcz provides Free Standard Shipping for eligible orders shipped within the United States unless a different charge is clearly displayed during checkout.

If a payment card or payment account is issued in a currency other than USD, the customer’s bank or payment provider may apply its own exchange rate, currency-conversion charge, or international transaction fee. These charges are determined by the financial institution and are not collected or controlled by Zcjcz.

3. Payment Processing and Security

Our online store and checkout are powered by Shopify and supported by applicable third-party payment providers. Depending on the payment method selected, a transaction may be handled by Shopify-supported payment services, PayPal, the customer’s card issuer, or another applicable payment network.

Zcjcz does not store complete credit card or debit card numbers on its own website servers. Complete payment credentials are handled through the applicable checkout system and payment provider in accordance with their security procedures.

Customers should never send complete card numbers, card security codes, payment passwords, or one-time verification codes to Zcjcz by email, telephone, contact form, or social media.

4. Billing Information and Verification

Customers are responsible for providing accurate and complete payment and billing information. When requested during checkout, the billing address should match the information associated with the selected payment method.

To help prevent unauthorized transactions and protect customers, we may review, place on hold, or cancel an order when:

• The payment cannot be authorized or completed.
• The billing information is incomplete or appears inaccurate.
• The transaction is flagged by fraud-prevention or payment-security systems.
• Important order, billing, or delivery information cannot be verified.
• The same transaction appears to have been submitted more than once.

If additional verification is reasonably required, we may contact the customer using the information provided with the order. Zcjcz will not ask a customer to provide a complete payment card number, card security code, payment password, or one-time verification code.

If an order is canceled for payment or security reasons, we will send a notice to the customer’s order email address when reasonably possible.

5. Payment Authorization and Temporary Holds

By submitting an order, the customer authorizes the applicable payment provider to process the amount displayed at checkout.

Depending on the payment provider and our payment settings, a transaction may be authorized, captured, or both when an order is submitted. A bank or payment provider may display a temporary pending authorization before the transaction is fully completed.

If an order is canceled before fulfillment, an applicable payment may be voided or refunded. The time required for a temporary authorization to disappear is determined by the customer’s bank or payment provider.

6. Failed, Declined, or Pending Payments

If a payment is declined, customers should verify that:

• The card or payment information was entered correctly.
• The billing address matches the payment account.
• The payment method has sufficient available funds or credit.
• The bank or payment provider has not restricted the transaction.

A declined or failed payment does not create a completed order. Customers may contact their bank or payment provider for additional information or use another payment method available at checkout.

If a payment remains pending or appears more than once, please avoid repeatedly submitting the order and contact Customer Support so that we can review the available transaction information.

7. Refunds and Canceled Orders

Approved refunds are issued to the original payment method used for the purchase. Zcjcz cannot redirect an approved refund to a different card, bank account, digital wallet, or payment account.

After Zcjcz submits an approved refund, the customer’s bank, card issuer, PayPal, or other payment provider may require additional processing time before the funds appear in the customer’s account.

If the original payment account has been closed or replaced, the customer should contact the applicable financial institution for information about how the refund will be handled.

Return eligibility and refund conditions are governed by our Return and Refund Policy.

8. Incorrect Charges and Payment Disputes

If a customer believes that a charge is incorrect, duplicated, unauthorized, or associated with an order problem, the customer may contact Zcjcz Customer Support so that we can review the available order and transaction records.

Contacting us directly may allow us to answer questions or resolve an issue more quickly. However, nothing in this Payment Policy limits a customer’s right to contact their bank, card issuer, PayPal, payment provider, or another appropriate authority regarding a transaction or payment dispute.

When reviewing a payment inquiry or dispute, Zcjcz may provide relevant transaction records, order information, delivery information, correspondence, and policy information to the applicable payment provider as permitted by law.

9. Order Confirmation

After an order is submitted successfully, an order confirmation will be sent to the email address provided during checkout.

Customers should review the confirmation promptly and contact us as soon as possible if any information is incorrect, including:

• Customer contact information
• Billing or shipping address
• Product, size, color, or quantity
• Order total

An automated order confirmation acknowledges receipt of the order but does not prevent Zcjcz from reviewing or canceling the order for payment, inventory, pricing, fraud-prevention, or other legitimate reasons described in our Terms of Service.

10. Contact Information

For questions about payments, billing, refunds, order charges, or transaction security, please contact us:

Store Name: Zcjcz
Website: https://www.zcjcz.com/
Business Address: 1085 Nelson Ave, Bronx, NY 10452, United States
Support Email: hello@zcjcz.com
Support Phone: +1 716-219-1827
Support Hours: Monday – Saturday: 9:00 AM – 6:00 PM Eastern Time (ET)
Sunday: Closed

We aim to respond to customer inquiries within 24–48 business hours.