Payment Policy
Payment Policy - GemTime Collective
Last Updated: January 13, 2026
At GemTime Collective, we strive to make your shopping experience as convenient and secure as possible. We accept multiple payment methods to ensure a smooth checkout process for all our customers.
Accepted Payment Methods
We accept the following secure payment methods:
💳 Credit & Debit Cards
- Visa
- Mastercard
- American Express
- Discover
- Diners Club
- JCB
💰 Digital Wallets
- PayPal - Fast, secure checkout with buyer protection
- Apple Pay - Quick checkout for Apple device users
- Google Pay - Convenient payment for Android users
- Shop Pay - Save your information for faster checkout
- Venmo - Pay with your Venmo balance or linked accounts
🏦 Other Payment Options
- Amazon Pay - Use your Amazon account credentials
- Meta Pay (Facebook Pay) - Checkout using your Facebook/Instagram account
💵 Buy Now, Pay Later (BNPL)
- Shop Pay Installments - Split purchases into 4 interest-free payments
- PayPal Pay in 4 - Pay in 4 interest-free installments
- Afterpay - Buy now, pay later in 4 installments (where available)
- Klarna - Flexible payment options (where available)
🔒 Payment Security
Your payment information is always secure with GemTime Collective:
- SSL Encryption: All transactions are encrypted using industry-standard 256-bit SSL technology
- PCI Compliance: We are fully PCI DSS compliant to protect your card information
- Secure Checkout: We never store your complete credit card information on our servers
- Fraud Protection: Advanced fraud detection systems monitor all transactions
- Verified by Visa & Mastercard SecureCode: Additional authentication for your protection
How Payment Works
For Online Store Purchases (gemtimecollective.com):
- Add items to cart - Browse our boots, watches, and jewelry collections
- Proceed to checkout - Review your order and enter shipping information
- Select payment method - Choose from any of our accepted payment options
- Complete payment - Your payment is processed securely in real-time
- Order confirmation - You'll receive an email confirmation immediately
For Marketplace Purchases (eBay, Amazon, etc.):
- Purchase through marketplace - Use the marketplace's checkout system
- Payment processed by marketplace - eBay, Amazon, etc. handle payment processing
- Order fulfillment - We receive your order and begin processing immediately
- Tracking provided - You'll receive tracking information via the marketplace
When Is Payment Charged?
- Credit/Debit Cards: Charged immediately upon order placement
- PayPal: Charged immediately upon order confirmation
- Digital Wallets: Charged immediately at checkout
- Buy Now, Pay Later: First installment charged at purchase; remaining installments per provider's schedule
Note: Your card may show a temporary authorization hold before the final charge is processed. This is normal and ensures funds are available.
Currency
All prices on GemTime Collective are listed in United States Dollars (USD).
For international customers:
- Your bank or payment provider will convert the amount to your local currency
- Exchange rates and conversion fees are determined by your financial institution
- The final amount charged may vary slightly due to exchange rate fluctuations
Failed or Declined Payments
If your payment is declined, please:
- Verify your information - Check that card number, expiration date, CVV, and billing address are correct
- Check with your bank - Ensure sufficient funds and that your card allows online purchases
- Try a different payment method - Use an alternative card or digital wallet
- Contact us - If problems persist, reach out to our customer service team
Common reasons for payment decline:
- Insufficient funds
- Incorrect card information
- Card expired
- Bank fraud protection triggered
- International transaction restrictions
Refunds & Payment Reversals
If you're eligible for a refund per our Refund Policy:
- Refund method: Refunds are issued to the original payment method used
- Processing time: 5-10 business days after refund approval
- Credit card refunds: May take 1-2 billing cycles to appear on your statement
- PayPal refunds: Typically appear within 3-5 business days
- BNPL refunds: Processed according to the provider's refund policy
Pricing & Taxes
- Prices: All prices are in USD and include applicable taxes where required
- Sales Tax: Calculated at checkout based on your shipping address
- No Hidden Fees: The price you see at checkout is the final price you pay
- Shipping: Shipping costs are calculated separately and shown before payment
- Free Shipping: Available on orders $150+ to qualifying addresses
Marketplace-Specific Payment Information
eBay Purchases:
- Payment is processed through eBay's secure payment system
- eBay accepts all major credit cards, PayPal, and other methods per eBay's policies
- Buyer protection applies per eBay's Money Back Guarantee
Amazon Purchases:
- Payment is processed through Amazon's secure checkout
- Amazon accepts credit cards, Amazon Pay, and gift cards
- Amazon A-to-Z Guarantee applies
Other Marketplaces:
- Payment methods vary by marketplace
- Each marketplace's buyer protection policies apply
- Refer to the specific marketplace's payment policy for details
Questions About Payment?
If you have questions about payment methods, billing, or need assistance with a transaction, please contact us:
- Email: support@gemtimecollective.com
- Contact Page: Visit our Contact page
- FAQ: Check our FAQ
Our customer service team is here to help ensure a smooth and secure payment experience.
Policy Updates
We may update this Payment Policy from time to time to reflect changes in our payment options or legal requirements. Any changes will be posted on this page with an updated revision date.
Your continued use of GemTime Collective after any changes indicates your acceptance of the updated policy.