Payment Policy

This page explains how payments work at Witty Harbor, what we accept, and how your details are kept safe.

1. Payment is taken in full at checkout

Every Witty Harbor product is printed on demand. Because production starts as soon as your order is confirmed, orders are paid in full at the time of purchase, including any shipping charges. We do not offer part-payment, invoicing or cash on delivery.

2. Accepted payment methods

• Major credit and debit cards — Visa, Mastercard, American Express, Discover and JCB.
• PayPal.
• Any additional wallet or express-checkout option shown on the checkout page at the time you order.

The full, current list of methods is always the list displayed on the checkout page.

3. Currency

All prices on this website are shown and charged in US Dollars (USD). If your card is issued in another currency, your bank will apply its own exchange rate and may add a foreign-transaction fee. Those charges come from your bank, not from us.

4. Security — how your card details are handled

Payments are processed directly by our payment providers over an encrypted (SSL/TLS) connection. Witty Harbor never sees, handles or stores your full card number, expiry date or security code. That information goes straight to the payment provider, which is PCI-DSS compliant. We only receive a confirmation that the payment succeeded, plus the last four digits of the card for reference.

5. Declined or failed payments

If a payment is declined, the order is not created and no goods are produced. Common causes are an expired card, insufficient funds, a mismatch between the billing address and your bank’s records, or your bank’s fraud filter. Please check with your bank, or try a different method. A temporary authorisation hold may appear on your statement after a failed attempt; it is released automatically by your bank, usually within a few business days.

6. Taxes

Prices shown are exclusive of any local sales tax, VAT, import duty or customs charge unless stated otherwise. Where such charges apply, they are set by the authorities in your country and are payable by the recipient.

7. Fraud prevention

We reserve the right to hold, verify or cancel any order that our fraud screening flags as high risk, and to request additional confirmation from the cardholder before production begins. Orders cancelled for this reason are refunded in full.

8. Billing questions

If you see a charge you do not recognise, please contact us through the contact page with the date and amount before raising a chargeback — we can almost always resolve it faster directly.