Payment & Billing Policy

Last updated: September 2026

At SwappaMart, we are committed to providing a secure, transparent, and frictionless checkout experience. This Payment Policy outlines the payment methods we accept, how payments are authorized and processed, our security measures, and our billing terms.

1. Accepted Payment Methods

All transactions on SwappaMart are processed in United States Dollars (USD). We accept the following payment methods through our secure payment processor, Stripe:

Credit & Debit Cards: Visa, MasterCard, American Express, Discover
Digital Wallets & Express Checkout: Link by Stripe
Flexible Payment Options: Klarna (where eligible)

We do not accept cash on delivery (COD), personal checks, money orders, or offline wire transfers.

2. Payment Capture & Authorization

Your payment method will be charged immediately upon clicking the "Place Order" button at checkout.
Orders are processed for fulfillment only after payment authorization is fully confirmed.
If an authorization fails or cannot be completed, your order will not be processed. Please check with your bank or card issuer to ensure your card is active and authorized for online transactions.

3. Currency & Pricing Transparency

All prices displayed on SwappaMart are in USD ($).
Free Shipping: All orders qualify for free standard shipping across the entire United States (all states). The price you see on the product page is the final product price you pay.
No Hidden Surcharges: We never impose unexpected checkout surcharges, card processing fees, or handling fees. The total order amount shown in your order summary before payment is the exact amount charged.

4. Payment Security & PCI Compliance

256-Bit SSL Encryption: Our entire website operates over an encrypted HTTPS connection using Transport Layer Security (TLS 1.3), ensuring that your sensitive personal and payment data is transmitted safely.
PCI-DSS Compliant Processing: Payment processing is handled by Stripe, a certified PCI Level 1 Service Provider (the highest level of security certification available in the payments industry).
No Stored Card Data: SwappaMart never stores, processes, or has access to your full debit/credit card numbers or CVV codes on our servers. Your payment details are tokenized and processed directly by Stripe.

5. Order Confirmation & Invoicing

Upon successful payment completion, you will immediately receive an automated order confirmation email to the email address provided during checkout. This receipt includes:

Your unique Order Number
Date of purchase
Itemized list of products purchased and quantities
Final payment amount charged (in USD)
Shipping address and selected carrier details

6. Refunds & Cancellations

Approved refunds are credited directly back to the original payment method used during checkout.
Once approved, refunds are processed within 5–7 business days. Please allow an additional 3–10 business days for your banking institution or card issuer to post the credit to your statement.
For full details on returns and refund eligibility, please review our Return & Refund Policy.

7. Contact Information

If you have any questions regarding a charge, payment method, or billing inquiry, our support team is available to help:

Email: support@swappamart.com
Phone: +1-337-907-3404
Hours: Monday – Friday, 9:00 AM – 6:00 PM Eastern Time
Address: 2902 West State Road 60, Plant City, FL 33567, United States
Business Name: SwappaMart

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