Payment Policy

Last updated: July 11, 2025

At Organic Fruit Tree And Herb, we are committed to providing you with a secure, transparent, and convenient payment experience. This Payment Policy outlines the payment methods we accept, our transaction processes, and the measures we take to protect your financial information. By shopping with us, you agree to the following terms.

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1. Currency & Pricing

All transactions on our store are conducted in United States Dollars (USD). The total amount displayed at checkout includes only the price of the items you have selected.

Our pricing guarantee includes:

• Free Shipping: All orders ship free to the contiguous 48 United States — no minimum purchase required
• No Sales Tax: We do not charge any sales tax
• No Hidden Fees: There are no additional charges, surcharges, or hidden fees of any kind

The amount shown at checkout is your final payment amount, guaranteed.

Shipping Restriction: We ship exclusively within the contiguous 48 United States. We do not ship to Alaska, Hawaii, U.S. territories, or any international destinations.

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2. Accepted Payment Methods

We partner with industry-leading payment service providers to deliver a secure and flexible checkout experience. We currently accept the following credit and debit cards:

• Visa
• MasterCard
• American Express
• Discover

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3. Transaction Security

Your financial security is our top priority. We implement the following measures to safeguard your payment information:

SSL Encryption

Our website uses Secure Socket Layer (SSL) technology to encrypt all data transmitted between your browser and our servers during the checkout process, ensuring your information remains confidential and protected.

PCI-DSS Compliance

We do not store, process, or have direct access to your full credit card information on our servers. All sensitive payment data is handled exclusively by trusted, PCI-DSS Level 1 compliant payment service providers that meet the highest industry standards for data security.

No Storage of Payment Data

We only retain minimal transaction records necessary for order management. Your card details are never shared with third parties beyond what is required to process your payment.

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4. Order Authorization

By completing a purchase on our website, you confirm and warrant that:

• You are the authorized user of the payment method provided
• The billing information submitted is accurate, current, and complete
• Your shipping address is located within the contiguous 48 United States
• You are legally responsible for all charges incurred under your account

If any order is flagged for security or verification purposes, our team may contact you via email or phone before the order is processed. In some cases, we may require additional verification, such as a copy of the cardholder's identification, to confirm the legitimacy of the transaction.

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5. Returns, Refunds & Exchanges

We offer a 30-day hassle-free return and exchange policy at no cost to you:

• Returns and exchanges are accepted within 30 days of delivery
• No restocking fees apply
• No return shipping charges — return shipping is completely free
• Full refunds are issued to your original payment method

To initiate a return or exchange, please contact us at info@organicfruittreeandherb.com with your order number. For complete details, please refer to our Return & Refund Policy.

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6. Payment Issues

If your payment is declined or you encounter any issues during checkout, please try the following:

1. Verify your information — Double-check that your billing address, card number, expiration date, and CVV code are entered correctly
2. Check your balance — Ensure your card has sufficient funds or available credit
3. Contact your bank — Some transactions may be blocked by your bank's fraud prevention system. Contact your bank or card issuer to confirm whether the transaction was flagged
4. Try a different card — Use another Visa, MasterCard, American Express, or Discover card
5. Check your browser — If the checkout page is not loading properly, try disabling your VPN, clearing your browser cache, or using a different browser or device

Pending / Temporary Authorization Holds

In some cases, your bank or payment provider may place a temporary authorization hold (often displayed as "pending") even if the payment does not complete successfully. These holds are controlled entirely by your bank and typically disappear automatically within 3 to 10 business days, depending on the issuer. If you believe a hold is taking too long to release, please contact your bank directly for assistance.

Duplicate Charges

If you believe you have been charged more than once for the same order, please contact us immediately at info@organicfruittreeandherb.com with your order number (if available) and a screenshot of the transaction(s). We will promptly review the payment records and work with you to resolve the issue.

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7. Order Modifications & Cancellations

Modifications

• You may request to modify your order, including payment method, shipping address, or items, within 24 hours of placing it
• To request a modification, please contact us immediately via email at info@organicfruittreeandherb.com with your order number
• After 24 hours, your order may have already entered our fulfillment process, and modifications may no longer be possible

Cancellations

• You may cancel your order within 24 hours of placement, provided it has not yet shipped
• To cancel, please contact us immediately at info@organicfruittreeandherb.com with your order number
• If your order has already shipped, you will need to follow our Return & Refund Policy to initiate a return for a refund

Order Cancellation by the Store

We reserve the right to cancel orders under the following circumstances:

• Payment cannot be verified or authorization fails
• Billing or shipping information appears invalid or suspicious
• Shipping address is outside the contiguous 48 United States
• Items are out of stock or have been discontinued
• Pricing errors are identified (e.g., incorrect price listed due to a system error)
• Unusual order patterns or suspected fraud are detected

If we cancel your order after payment has been processed, you will receive a full refund to your original payment method within 10 business days. We will notify you via email with the reason for the cancellation.

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8. Shipping Policy Summary

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9. Contact Information

If you have any questions or concerns about our Payment Policy, or if you need assistance with any payment-related matters, please do not hesitate to contact us: