Payment Methods

At Ryzama, we aim to make checkout simple, convenient, and secure. Customers can select an available payment method at checkout based on the options supported for their order and location.

Ryzama sells Hats, Scarves, and Sunglasses, and all eligible orders must be successfully paid before they can enter our standard fulfillment process.

This Payment Methods Policy explains the payment options, authorization process, billing information, payment security, failed transactions, refunds, and other important payment-related details.

1. Accepted Payment Methods

Ryzama accepts the payment methods displayed as available during checkout.

Available payment options may vary depending on factors such as the customer's location, device, transaction amount, payment provider availability, and other checkout conditions.

Before completing your purchase, the checkout page will display the payment methods currently available for your order.

2. Payment at Checkout

When placing an order, customers will be asked to select an available payment method and provide the information required to complete the transaction.

Before submitting payment, please carefully review:

• Products selected
• Product quantities
• Shipping address
• Billing information
• Shipping charge
• Order subtotal
• Applicable taxes or other charges
• Final order total

Once you confirm the purchase, the payment may be submitted for authorization.

An order is not considered fully ready for fulfillment until the applicable payment has been successfully authorized and accepted.

3. Payment Authorization

Payments may be subject to authorization or verification by the applicable payment provider or financial institution.

A payment authorization confirms that the payment method may be used for the transaction. Authorization does not necessarily guarantee that an order will ultimately be fulfilled.

Ryzama may review transactions when necessary to protect customers, prevent fraudulent activity, or resolve payment issues.

If payment cannot be authorized successfully, the order may be delayed, placed on hold, or cancelled.

4. Billing Information

Customers are responsible for providing accurate billing information when completing checkout.

Depending on the payment method, billing information may include:

• Full name
• Billing address
• Email address
• Payment account information
• Other information required by the payment provider

Incorrect billing information may result in payment authorization failure or additional verification requirements.

If your payment is declined, verify that the billing information entered at checkout matches the information associated with your payment method.

5. Payment Security

Ryzama takes reasonable measures to support secure online transactions.

Payment information may be processed through third-party payment providers that use their own security systems and procedures to protect transaction information.

Where payment processing is handled by a third-party provider, sensitive payment credentials may be transmitted directly to that provider rather than being stored by Ryzama.

Customers should use secure devices and networks when entering payment information and should never share payment passwords, verification codes, or other confidential payment credentials with unauthorized individuals.

6. Third-Party Payment Providers

Ryzama may use independent payment service providers to process transactions.

These providers may collect and process payment information according to their own terms, privacy policies, and security practices.

Ryzama does not control the independent privacy or security policies of third-party payment providers.

When using an external payment service, customers should review the applicable provider's terms and privacy information.

7. Payment Currency

Prices and transaction totals on Ryzama are generally displayed in U.S. Dollars (USD) unless otherwise indicated during checkout.

If your bank account or payment method uses another currency, your financial institution or payment provider may convert the transaction into your local currency.

Currency conversion rates, foreign transaction fees, or other charges imposed by your financial institution or payment provider are outside Ryzama's control.

8. Order Total

The final amount payable for an order may include:

• Product prices
• Shipping charges
• Applicable taxes
• Any other charges clearly displayed during checkout

Ryzama's standard shipping charge is a flat rate of $6.99 unless a different rate or applicable offer is clearly displayed during checkout.

Customers will have an opportunity to review the applicable order total before submitting payment.

9. Payment Declines

A payment may be declined for various reasons.

Possible reasons include:

• Incorrect payment information
• Incorrect billing address
• Insufficient funds
• Expired payment method
• Payment provider restrictions
• Bank security controls
• Transaction verification requirements
• Suspected fraudulent activity
• Technical issues
• Other restrictions imposed by the payment provider

If your payment is declined, please verify your information and, if necessary, contact your bank or payment provider.

You may also try another available payment method displayed during checkout.

Ryzama cannot override a payment provider's decision to decline or restrict a transaction.

10. Pending Transactions

Some payment providers or financial institutions may temporarily place a pending authorization on an account when an order is submitted.

A pending authorization does not necessarily mean that Ryzama has permanently charged the amount.

If an order is cancelled or payment is not completed, the release of a pending authorization may depend on the customer's bank or payment provider.

The time required for a pending amount to disappear may vary between financial institutions.

11. Duplicate Payment Attempts

Customers should avoid repeatedly submitting payment if a transaction appears to be processing slowly.

Multiple attempts may result in multiple pending authorizations depending on the payment provider.

If you believe you have been charged more than once for the same order, contact Ryzama at support@ryzama.com with your order information.

We will review the transaction details and assist with the appropriate next step.

12. Fraud Prevention

Ryzama may use reasonable transaction verification and fraud-prevention measures to protect customers and the business.

An order may be reviewed, delayed, or cancelled if information associated with the transaction appears inconsistent, suspicious, unauthorized, or potentially fraudulent.

In some circumstances, additional information or verification may be requested before an order can be processed.

These measures are intended to reduce unauthorized transactions and protect customer payment information.

13. Payment Verification

For certain transactions, the payment provider or Ryzama may require additional verification.

Verification may involve confirming information associated with the payment method or order.

If requested verification cannot be completed, Ryzama may be unable to fulfill the order.

We will use reasonable efforts to communicate when an order requires additional action.

14. Payment Confirmation

After a successful order is submitted, customers may receive an order confirmation at the email address provided during checkout.

The confirmation may contain:

• Order number
• Products purchased
• Quantities
• Order total
• Shipping information
• Payment-related confirmation
• Other order details

Customers should review the confirmation and contact Ryzama promptly if any information appears incorrect.

Receiving an order confirmation does not prevent Ryzama from taking appropriate action if a payment, product, or transaction issue is later identified.

15. Refunds

Eligible refunds are generally issued to the original payment method used for the purchase.

Ryzama does not charge a separate refund processing fee or restocking fee for eligible returns.

Approved refunds are generally processed within 12 business days after the return has been received, reviewed, and approved, or after an approved cancellation requiring a refund.

Once Ryzama processes a refund, the payment provider or financial institution may require additional time to make the funds available.

16. Cancelled Orders and Payments

If an order is successfully cancelled before shipment and payment has already been collected, an applicable refund will generally be processed through the original payment method.

Ryzama does not charge a cancellation fee for approved cancellations.

If a payment authorization is still pending rather than completed, the payment provider may simply release or reverse the authorization instead of issuing a conventional refund.

The timing of this process depends on the payment provider or financial institution.

17. Returns and Payment Refunds

Ryzama accepts eligible returns within 60 calendar days from delivery.

Once an eligible returned product has been received and approved, the applicable refund will generally be processed within 12 business days.

Customers should review the Return & Refund Policy for complete information regarding:

• Return eligibility
• Return conditions
• Return procedures
• Damaged products
• Incorrect products
• Refund processing
• Return shipping

18. Payment Information and Privacy

Information collected during checkout is handled according to the Ryzama Privacy Policy.

Depending on the payment method selected, payment information may be transmitted directly to a third-party payment provider for authorization and processing.

Ryzama may retain transaction information necessary for order management, customer service, accounting, fraud prevention, legal compliance, and other legitimate business purposes.

19. Payment-Related Communication

Ryzama may contact customers regarding payment issues when necessary to complete or manage an order.

Payment-related communications may include:

• Payment authorization problems
• Verification requests
• Failed transactions
• Order payment confirmations
• Refund notifications
• Cancellation-related payment information

Customers should ensure that the email address provided during checkout is accurate and accessible.

20. Taxes and Additional Bank Charges

Applicable taxes may be calculated and displayed during checkout where required.

Your bank, card issuer, or payment provider may also impose separate charges, such as foreign transaction fees, currency conversion fees, or other account-specific charges.

These charges are imposed by the relevant financial institution and are not Ryzama fees.

Customers should contact their bank or payment provider for information about charges applied to their payment account.

21. Payment Disputes

If you believe there is an issue with a payment, please contact Ryzama at support@ryzama.com before initiating a payment dispute whenever possible.

Providing the order number and relevant transaction information allows our support team to investigate the issue.

This may include concerns involving:

• Duplicate charges
• Unexpected payment status
• Refund status
• Cancelled orders
• Payment authorization
• Order payment confirmation

Ryzama will review payment concerns and work to resolve legitimate issues as efficiently as reasonably possible.

22. Chargebacks

If you believe a transaction was made without authorization or there is a legitimate issue with a payment, you should contact Ryzama and/or your payment provider as appropriate.

When a payment dispute or chargeback is initiated, Ryzama may provide relevant transaction, order, shipping, tracking, and customer-service records to the applicable payment provider or financial institution for review.

This information may be used to verify the transaction and respond to the dispute.

23. Payment Method Availability

Payment methods may be added, removed, suspended, or modified at any time.

The payment methods shown during checkout represent the options available for the specific transaction at that time.

Ryzama does not guarantee that every payment method will be available for every order, customer, location, device, or transaction.

If one payment method is unavailable, customers may select another available option where offered.

24. Payment Policy Updates

Ryzama may update this Payment Methods Policy when necessary to reflect changes to payment providers, checkout functionality, transaction procedures, security practices, or applicable requirements.

The current version of this policy will be made available on the Ryzama website.

Customers are encouraged to review the available payment information before completing a purchase.

25. Contact Ryzama

If you have questions about payment methods, payment authorization, refunds, duplicate charges, or other payment-related matters, please contact our support team.

Ryzama
Email: support@ryzama.com
Support Hours: 8:00 AM–7:00 PM EST, Monday–Saturday

When contacting us about an order or payment, please include your order number and the email address associated with the purchase whenever possible. This information helps us identify the transaction and provide appropriate assistance.