Payment Policy
Effective Date: May 7, 2026
At Stacks Clothing Co., we are committed to providing a secure, transparent, and reliable checkout experience. This Payment Policy explains how payments are processed on our website, what payment methods we accept, and what customers can expect when placing an order.
1. Currency and Payment Terms
Please review the following important information about how we handle payments and currency:
- Currency: All transactions on our website are processed in USD (United States Dollars). If you are located outside the United States, your bank or payment provider may apply currency conversion rates.
- Full Payment Required: We require full payment at checkout before an order can be submitted and processed. We do not offer payment plans or deferred payment options at this time.
- Order Processing: Orders will only enter processing and production after successful payment authorization and confirmation. Your payment must be approved before your order is fulfilled.
2. Accepted Payment Methods
We currently accept the following secure payment methods through our trusted checkout channels:
| Payment Method | Description |
|---|---|
| PayPal | A widely used and secure online payment method. You can pay directly from your PayPal account or use PayPal’s guest checkout option. |
| Credit Cards | We accept Visa, MasterCard, American Express, and Discover through secure payment processing. |
| Debit Cards | We accept debit cards (Visa, MasterCard, Discover) through secure payment processing. |
| Guest Checkout via PayPal | In many cases, you do not need a PayPal account to pay. You may be able to choose the option to pay with a debit or credit card through the PayPal checkout interface, subject to PayPal availability in your region. |
Note: Payment method availability may vary depending on your location and the payment processor’s regional restrictions. If your preferred payment method is unavailable, please try an alternative option or contact us for assistance.
3. Payment Security
Secure Processing: Payments on our website are processed through secure payment gateways that use SSL encryption and industry-standard security measures to protect your transaction data during checkout. Your information is transmitted securely and cannot be intercepted by unauthorized parties.
Card Data Protection: We do not store your full credit card or debit card details on our own servers. When payments are processed through our supported payment providers (PayPal, Stripe, etc.), your card information is handled directly by these secure third-party processors. We only receive confirmation of successful payment and the last 4 digits of your card for reference purposes.
PCI Compliance: Our payment systems comply with PCI DSS (Payment Card Industry Data Security Standard) requirements to ensure the highest level of security for your payment information.
4. Billing, Taxes, and Charges
Here’s what you can expect regarding charges and billing:
- Immediate Charge: Your selected payment method will be charged at the time your order is placed and successfully submitted. The charge will appear on your statement within 1–3 business days, depending on your bank.
- Taxes and Fees: Applicable sales taxes, shipping fees, and other charges will be calculated and clearly displayed at checkout before you complete your purchase. You will have the opportunity to review all charges before confirming your order.
- Order Confirmation: After successful payment, you will receive an order confirmation email containing your order number, items purchased, total amount charged, and estimated delivery date.
- Itemized Receipt: A detailed receipt showing all charges (product price, taxes, shipping) will be included in your order confirmation email.
5. Payment Review and Verification
To help prevent fraud and unauthorized transactions, some orders may be subject to manual review or payment verification. This is a standard security practice to protect both you and our business.
What This Means: If your order is flagged for review, we may contact you using the email address or phone number provided during checkout to verify your identity and confirm the purchase. This verification process typically takes 24–48 hours.
Payment Issues: If payment is unsuccessful, declined, flagged for review, or remains unverified, your order may be:
- Delayed until the payment issue is resolved
- Canceled if payment cannot be verified within a reasonable timeframe
- Not processed until you provide an alternative payment method
We will notify you immediately if there are any issues with your payment. Please check your email (including spam/junk folders) for any communications from us.
6. Refunds and Payment Reversals
For information about refunds, please refer to our Return & Refund Policy. Approved refunds will be issued to your original payment method and may take 3–7 business days to appear in your account, depending on your bank or payment provider.
If you dispute a charge or request a chargeback through your bank, please contact us first at support@stacksclothing.com to resolve the issue. Chargebacks can result in additional fees and may affect your ability to shop with us in the future.
7. Payment Disputes and Chargebacks
If you have a dispute regarding a charge on your account, please contact us immediately before initiating a chargeback through your bank. We are committed to resolving payment issues fairly and quickly.
Chargeback Policy: Initiating a chargeback without first attempting to resolve the issue with us may result in:
- Additional processing fees charged to your account
- Suspension or termination of your ability to shop with us
- Legal action to recover chargeback fees and damages
We encourage you to work with us directly to resolve any payment concerns. Most issues can be resolved quickly through our customer support team.
8. Billing Address Accuracy
Please ensure that the billing address you provide at checkout matches the address associated with your payment method. Mismatched billing addresses may result in payment decline or delay. If your billing address differs from your shipping address, please ensure both are accurate during checkout.
9. Subscription and Recurring Payments
If you have enrolled in any subscription or recurring payment service, you authorize us to charge your payment method on the specified schedule. You may cancel your subscription at any time by contacting us at support@stacksclothing.com. Cancellation will take effect after your current billing cycle.
10. Contact Us
If you have any questions about payment, billing, checkout issues, or payment disputes, please don’t hesitate to contact us. Our support team is here to help:
- Email: support@stacksclothing.com
- Phone: +1 (406) 502-1686
- Store Address: 7 W Main St, East Helena, MT 59635, USA
- Trading Name: Stacks Clothing Co.
- Legal Name: Natiglow Media LLC
- Registered Office Address: 1001 S Main St Ste. 600, Kalispell, MT 59901, USA
- Business Hours: Monday–Friday, 9:00 AM–5:00 PM MST
- Response Time: Within 24 hours (during business hours)
Thank you for your business! We appreciate your trust and are committed to providing a secure and transparent payment experience at Stacks Clothing Co.
