Payment Policy

1. Accepted Payment Methods

We accept several secure payment methods for orders placed through larkbeam.com. Available payment options may include Visa, Mastercard, American Express, Discover, JCB, PayPal, Apple Pay, and Google Pay. The exact payment methods shown at checkout may vary depending on your location, device, browser, payment provider availability, and checkout conditions.

2. Transaction Currency

All transactions on our website are processed in U.S. dollars (USD). Prices, shipping fees, order totals, and refund amounts are calculated in USD unless another amount is clearly displayed at checkout. If your bank account, card, or PayPal account uses a different currency, your payment provider may apply currency conversion, exchange rate differences, or additional bank fees.

3. Secure Payment Processing

Payments are processed through trusted third-party payment providers, including Stripe and PayPal. We do not store full card numbers, CVV codes, PayPal login details, Apple Pay credentials, Google Pay credentials, or full payment account information on our website. Sensitive payment details are handled by the selected payment provider through its secure payment system.

4. Payment Security and Data Protection

We use reasonable security measures to help protect payment-related information. These measures may include HTTPS connections, SSL/TLS encryption for data transmitted through the website, secure checkout pages, limited access controls, fraud monitoring tools, payment tokenization through Stripe or PayPal, and regular website maintenance. These safeguards help reduce unauthorized access, misuse, payment fraud, and data exposure.

5. Payment Authorization and Failed Payments

Your order will only be processed after payment is successfully authorized and confirmed. If a payment fails, is declined, expires, or is flagged for additional verification, the order may not be completed or shipped. Failed payments may be caused by incorrect card details, insufficient funds, bank restrictions, payment provider review, expired cards, address mismatch, network issues, or security checks. Please contact your bank or payment provider if the issue continues.

6. Refunds to Original Payment Method

Approved refunds will be issued to the original payment method used at checkout. If you paid by card, PayPal, Apple Pay, Google Pay, or another supported payment method, the refund will be returned through the same original payment channel whenever possible. After a refund is approved and processed, the refunded amount will usually appear in your original payment account within 7 business days, depending on Stripe, PayPal, your bank, card issuer, or payment provider processing time.

7. Payment Disputes and Support

If you believe there is a payment error, duplicate charge, failed transaction, refund issue, or unauthorized payment concern, please contact us through support@larkbeam.com before opening a chargeback or payment dispute. Please include your order number, payment date, transaction reference if available, and a clear description of the issue. We keep order records, payment status records, shipping details, tracking information, customer communication, return records, and refund records to help Stripe, PayPal, banks, and card networks review payment cases fairly.