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Payment & Refund Policy
Last Updated: December 2025
At yofetfee.com, we are committed to providing a secure, transparent, and seamless payment experience. This policy outlines our accepted payment methods, processing procedures, security measures, and refund guidelines.
Quick Summary: We accept major credit cards, PayPal, and Stripe. All payments are secured with SSL encryption. Refunds are issued to the original payment method within 3-7 business days after approval.
1. Accepted Payment Methods
We accept the following payment methods to make your shopping experience convenient and secure:
Credit & Debit Cards
- Visa (Credit & Debit)
- Mastercard (Credit & Debit)
- American Express
- Discover
- Most major bank-issued debit cards with Visa/Mastercard logo
Digital Wallets & Payment Platforms
- PayPal – Pay with your PayPal balance, linked bank account, or cards
- Stripe – Secure card processing with support for Apple Pay and Google Pay
- Apple Pay – Available on compatible devices
- Google Pay – Available on compatible devices
Important Payment Requirements:
- Full payment must be successfully processed and confirmed before order fulfillment begins
- Payment information must match the billing address on file with your bank or card issuer
- We do not accept cash, checks, money orders, or wire transfers
- International cards are accepted but must be in USD currency
- Prepaid cards are accepted if they support online purchases and have sufficient funds
Note: We reserve the right to refuse any payment method if we suspect fraudulent activity or if the payment fails our verification process.
2. Payment Processing & Authorization
How Payment Processing Works:
Step 1: Authorization Check
When you place an order, we perform an immediate authorization check with your payment provider to verify that sufficient funds are available and that the card is valid.
Step 2: Payment Hold
Your payment method will show a pending authorization hold for the full order amount (including items, shipping, and tax). This is not a charge yet—it’s a temporary hold to reserve funds.
Step 3: Order Processing Begins
Once authorization is approved, we begin processing your order. For custom, personalized, or made-to-order items, production begins only after payment authorization is successful.
Step 4: Final Charge
Your card is charged when your order is prepared for shipment. At this point, the authorization hold becomes a completed transaction, and funds are transferred to finalize payment.
Step 5: Payment Confirmation
You’ll receive an email confirmation with your order details, payment receipt, and tracking information once your order ships.
Authorization Hold Duration:
- Standard items: Authorization converts to charge within 1-2 business days
- Custom/personalized items: May take 3-7 business days depending on production time
- If order is cancelled before shipping, the hold will be released within 3-5 business days (timing varies by bank)
Failed Payment Authorization:
- If payment authorization fails, you’ll receive an immediate notification
- Common reasons: insufficient funds, incorrect billing information, card expired, card declined by issuer
- Your order will not be processed until a successful payment is made
- You can update payment information and retry, or use a different payment method
- Orders are automatically cancelled if payment is not successful within 24 hours
3. Payment Security & Data Protection
Your payment security is our top priority. We employ multiple layers of protection to keep your financial information safe:
SSL/TLS Encryption
All payment data transmitted between your browser and our servers is protected using industry-standard SSL/TLS encryption (256-bit encryption). This ensures that your payment information cannot be intercepted by unauthorized parties.
PCI-DSS Compliance
We are fully compliant with PCI-DSS (Payment Card Industry Data Security Standard) requirements. This means we follow strict guidelines for handling, processing, and storing payment card information.
Secure Payment Gateways
All credit card transactions are processed through trusted, certified payment processors (Stripe and PayPal). Your card information is transmitted directly to these secure gateways and is never stored on our servers.
Tokenization
When you save a payment method for future use, we use tokenization. This means we store only a secure token (not your actual card number) that allows us to process future payments without exposing your sensitive card data.
Fraud Detection & Prevention
We use advanced fraud detection systems to protect both you and our business:
- Real-time transaction monitoring
- Address verification system (AVS)
- Card security code (CVV/CVC) verification
- IP address and device fingerprinting
- Suspicious activity alerts
What We DO NOT Do:
- We do not store your complete credit card number on our servers
- We do not have access to your full card details after checkout
- We do not share your payment information with third parties (except payment processors)
- We do not sell or rent your financial data to anyone
Your Responsibility: Please keep your account password secure and do not share it with anyone. We will never ask for your password or full credit card details via email or phone.
4. Pricing & Currency
Currency:
- All prices are displayed in United States Dollars (USD)
- You will be charged in USD regardless of your location
- If using a non-USD card, your bank may apply currency conversion fees
Price Accuracy:
- We strive to ensure all prices are accurate, but errors may occur
- The price shown at checkout is the final price you’ll pay
- We reserve the right to correct pricing errors and cancel orders placed at incorrect prices
- If we cancel due to a pricing error, we’ll issue a full refund
What’s Included in Your Total:
- Product Price: Cost of items in your cart
- Shipping Fee: Flat rate $6.99 for U.S. orders
- Sales Tax: Calculated based on your shipping address (if applicable)
- Discount Codes: Applied at checkout if you have a valid promo code
The total amount displayed at checkout is the final amount that will be charged to your payment method. There are no hidden fees.
- Contact Information
For shipping questions, tracking assistance, or concerns about your delivery, please contact us:
- Company: Yofetfee
- Address: 4725 48th St, Apt 5C, Flushing, NY 11377, United States
- Email: support@yofetfee.com
- Business Hours: Monday – Saturday, 8:00 AM – 7:00 PM (EST)
We aim to respond to all shipping inquiries within 24 hours during business hours.