Hubelunie Payment Policy

Effective Date: December 25, 2025
Expiration Date: December 25, 2025

At Hubelunie, ensuring a secure, transparent, and customer-friendly payment experience is our top priority. This Payment Policy is designed to give you a comprehensive understanding of how payments are processed, protected, and managed when shopping on hubelunie.com.

By completing a purchase on our website, you agree to comply with this Payment Policy alongside our Sales, Shipping, and Refund Policies. The goal of this policy is to provide clarity, security, and confidence for all customers, whether you are a first-time shopper or a loyal Hubelunie customer.

1. Accepted Payment Methods 💳

We provide a wide range of trusted payment options to meet customer preferences and ensure flexibility:

  • Credit & Debit Cards: Visa, MasterCard, American Express, Discover

  • Digital Wallets: PayPal, Apple Pay, Google Pay

  • Installment Options: Shop Pay or other approved installment payment methods (if available)

  • Currency: All transactions are processed in USD ($).

Detailed Notes:

  • Customers can select their preferred payment option at checkout.

  • Installment options may require verification and approval from the payment processor.

  • Hubelunie recommends ensuring your card or digital wallet account is verified to avoid delays.

Example:
A first-time customer using Apple Pay must confirm their account with their bank or device before completing the order. Once approved, the payment is processed immediately and securely.

2. Secure Transactions & Fraud Prevention 🔒

Security is a cornerstone of Hubelunie’s online store. To protect your financial information:

  • SSL Encryption: All payment pages are encrypted using industry-standard SSL, ensuring your data cannot be intercepted.

  • No Stored Payment Information: Hubelunie does not store credit card or banking information on its servers.

  • Verified Third-Party Processors: All payments are processed through trusted and verified payment gateways, minimizing risk.

  • Fraud Detection: Transactions are monitored in real-time using advanced algorithms to detect unusual activity.

Example Scenario:
If a payment is made from a location far from your usual shipping address, the system may flag it for verification. Hubelunie will contact you to confirm the transaction before processing the order.

3. Payment Timing & Processing ⏰

  • Full payment is required at the time of checkout.

  • Orders are not processed until payment is successfully completed and authorized.

  • You will receive a confirmation email immediately after payment authorization.

Pro Tips:

  • Ensure your bank account or card has sufficient funds to prevent declined transactions.

  • For installment payments, ensure each installment is approved by the processor to avoid delays.

Example:
A customer orders $200 worth of items at 2:00 PM. The system verifies the payment instantly. Once authorized, the order moves to processing and fulfillment, and shipping begins within 1–2 business days.

4. Handling Failed or Declined Payments ❌

Sometimes, payments may fail due to:

  • Incorrect card information

  • Insufficient funds

  • Bank security blocks

  • Technical or connectivity issues

Steps to Resolve Payment Failures:

  1. Check payment details — card number, CVV, expiration date, and billing address.

  2. Contact your bank for authorization issues.

  3. Try an alternate payment method, such as PayPal or another card.

  4. Contact Hubelunie support if the issue persists — we assist in verifying and completing the payment securely.

Example Scenario:
If a payment is declined due to a bank security alert, Hubelunie will notify the customer and provide instructions to retry or choose a different method without automatically canceling the order.

5. Taxes, Fees, and Additional Charges 💲

  • All product prices displayed include applicable sales taxes based on your shipping location.

  • No hidden processing fees are applied unless clearly noted at checkout.

  • For future international shipping, import duties, customs fees, or local taxes may be charged to the customer.

Example:
A customer in New York orders an item priced at $100. The total amount, including NY state tax, will appear at checkout. No hidden fees will be added.

6. Promotional Discounts & Coupons 🎁

  • Promo codes must be applied at checkout; they cannot be retroactively added.

  • Only one discount code may be applied per order unless specified otherwise.

  • Restrictions may include minimum purchase requirements, specific product categories, or limited-time offers.

Pro Tips:

  • Confirm that the promo code is successfully applied before finalizing the payment.

  • Sign up for the Hubelunie newsletter to receive exclusive promotions and limited-time offers.

Example:
A 20% promo code applied to a mixed cart will only discount eligible items. The checkout summary reflects these changes accurately.

7. International Payment Considerations 🌍

Although Hubelunie currently ships primarily within the United States, future international shipping may include:

  • Currency Conversion Fees: Depending on your bank or payment provider.

  • Additional Taxes & Duties: Customers are responsible for customs duties and import taxes.

  • Payment Method Restrictions: Certain cards or wallets may not be supported internationally.

Example:
A European customer placing a pre-order will be informed of potential fees and currency conversion rates at checkout. Hubelunie provides guidance to avoid unexpected charges.

8. Chargebacks, Refunds, and Disputes ⚖️

  • Customers are encouraged to contact Hubelunie before initiating chargebacks with their bank.

  • Unauthorized or fraudulent transactions should be reported immediately.

  • Hubelunie collaborates with banks and payment processors to resolve disputes quickly and fairly.

Example:
If an item is not received due to shipping issues, the customer can contact Hubelunie. We will investigate, track the order, and process a refund or replacement rather than the customer initiating a chargeback.

9. Customer Support & Contact Information 📞

Hubelunie provides dedicated support for payment-related questions:

Support Includes:

  • Payment failures or declined transactions

  • Applying promotional codes

  • Guidance for installment payments

  • Payment verification and authorization issues

We aim to respond to all inquiries within 24 hours during business days.

10. Customer Responsibilities & Security Practices 🛡️

  • Ensure billing and shipping information is accurate.

  • Do not share your account credentials with others.

  • Monitor your bank statements for any unusual activity.

  • Hubelunie may hold orders for verification if suspicious activity is detected.

Example:
Multiple declined attempts from different devices may trigger a security check. Hubelunie will contact the customer to verify legitimacy before processing.

11. Policy Updates 🔄

  • Hubelunie may update this policy to reflect changes in payment systems, legal requirements, or operational improvements.

  • Customers are encouraged to review the latest version before placing an order.

  • Continued use of the website constitutes acceptance of updated terms.

✅ Hubelunie’s Commitment:
We ensure:

  • Safe and secure payment processing

  • Transparent policies with no hidden fees

  • Clear guidance on discounts, promotions, and installments

  • Prompt customer support for any payment-related concerns

This Payment Policy ensures that every Hubelunie customer can shop confidently, knowing their financial information is protected and transactions are handled professionally and efficiently.