Payment Methods

At babyyams.com, we are dedicated to delivering a checkout experience that is safe, efficient, and easy to use. This Payment Methods Policy explains which payment options are accepted, how payments are handled, and the security measures in place to protect your financial information.

This policy applies to all orders placed on babyyams.com and should be read together with our Terms and Conditions, Privacy Policy, Return Policy, and Shipping Policy.

1. Accepted Payment Methods

We provide a range of secure payment options to make purchasing simple and convenient.

1.1 Credit and Debit Cards

We accept the following major card providers:

Visa
MasterCard
American Express
Discover
JCB
Diners Club

All card transactions are encrypted and processed through PCI DSS compliant payment gateways.

1.2 Digital Wallets

For a faster checkout experience, we support:

Apple Pay
Google Pay
Shop Pay
PayPal

1.3 Buy Now, Pay Later Options

Where available, customers may choose installment services such as:

Shop Pay Installments
Klarna
Afterpay or Clearpay

Approval and terms are determined solely by the selected provider.

1.4 Prepaid Cards and Gift Cards

Online enabled prepaid credit cards are accepted.
Only official Babyyams gift cards can be redeemed on our website.

1.5 Payment Methods Not Accepted

We do not accept the following payment types:

Cash on Delivery
Checks or money orders
Direct bank transfers unless specifically stated
Cryptocurrency
Third party retailer gift cards

2. Currency

All purchases are processed in United States Dollars.
If you use a non USD card, your bank may apply currency conversion fees.

3. Payment Authorization and Verification

For security purposes, orders may be subject to verification checks, including:

Authorization holds placed temporarily by your bank
Address verification to confirm billing details
Automated fraud screening
Additional identity verification when required

Orders that cannot be successfully verified may be delayed or canceled.

4. When Payment Is Collected

Payment is charged immediately at the time of checkout.
A payment confirmation email is sent once the transaction is completed.

Orders will not be shipped without successful payment verification.

5. Failed or Declined Payments

Payments may be declined for reasons such as:

Insufficient funds
Incorrect card information
Expired cards
Bank security restrictions
International transaction limits

If a payment fails, please try again by reviewing your details, using a different payment method, or contacting your bank. Orders are not reserved until payment is successfully completed.

6. Security and Fraud Protection

Babyyams applies strong security practices, including:

SSL encryption
PCI DSS compliant payment processors
Tokenized payment data, meaning full card numbers are never stored
Automated and manual fraud prevention systems

7. Taxes and Additional Fees

Applicable taxes are calculated during checkout based on the shipping address provided.

Your bank may apply additional charges such as international transaction or conversion fees. Babyyams does not add hidden or unexpected fees.

8. Refunds for Returned Orders

Refunds are handled in accordance with our Return Policy and are issued only to the original payment method used at checkout.

Refund timeline:

Item received within one to two business days
Inspection completed within one to two business days
Refund initiated on the same day after inspection
Bank processing completed within one to two business days

Most refunds are completed within five business days.

If a refund has not appeared after seven business days, please contact your bank or email support@babyyams.com. If the original card has expired, your bank will redirect the refund to the updated account.

9. Chargebacks and Payment Disputes

If you notice an issue with a charge, please contact us before submitting a chargeback. Unjustified chargebacks may lead to order cancellation, account suspension, or loss of future purchasing privileges.

We provide full transaction records to payment processors when resolving disputes.

10. Updating Payment Information

Once an order has been placed, the payment method cannot be changed. To update payment details, you may request a cancellation if the order has not been processed, then place a new order using the correct payment information.