Payments

At Overmont Kitchen, we are committed to providing a safe, transparent, and seamless checkout experience. This Payment Policy outlines our accepted payment methods, currency terms, and transaction security protocols.

1. Accepted Payment Methods

We accept a wide variety of secure credit card and digital wallet payment methods for your convenience:

  • Credit & Debit Cards: Visa, Mastercard, American Express.
  • Digital Wallets: Apple Pay, Google Pay.
  • Express Checkout Options: Shop Pay.

*Note: Overmont Kitchen does not collect, process, or store your full credit/debit card numbers on our servers. All credit card transactions are handled via PCI-compliant payment gateways. If you experience an issue with card authorization, please consult your card-issuing bank.

2. Currency & Pricing

  • Base Currency: All default prices on overmontkitchen.com are listed in US Dollars (USD).
  • Multi-Currency Checkout: We support localized shopping! You can switch your location and preferred local currency at any time using the Country / Currency Selector in the header or footer of our website. Prices will be automatically converted based on current real-time exchange rates.
  • Taxes & Shipping: Applicable sales tax, VAT, and shipping charges (if any) will be calculated and displayed in your chosen currency at checkout.
  • International Exchange Fees: Depending on your country and issuing bank, your credit card company or bank may apply minor currency conversion or international transaction fees. These fees are set by your bank and are the responsibility of the customer.

3. Billing Terms & Payment Timing

  • Your selected payment method will be charged immediately upon placing your order.
  • By completing a transaction, you authorize Overmont Kitchen and our third-party payment processors to charge the specified total amount to your chosen payment method.
  • Orders will only be processed and dispatched after full payment authorization is confirmed.

4. Payment Security & Data Protection

We prioritize your data security. Our website is hosted on Shopify, utilizing enterprise-grade encryption and security standards:

  • SSL Encryption: All transactions are transmitted via 256-bit Secure Socket Layer (SSL) encryption.
  • PCI-DSS Compliance: Our store adheres to the Highest Level (Level 1) Payment Card Industry Data Security Standards (PCI-DSS).

5. Order Cancellations & Refunds

  • Refunds: All approved refunds are governed by our Return & Refund Policy.
  • Processing Time: Once a refund is approved and issued, it typically takes 2–5 business days to post back to your original payment method (or up to 7–10 days depending on your bank's billing cycle).

6. Failed / Declined Payments & Disputes

  • Declined Transactions: If your transaction is declined, please verify your billing address matches your card's registered address, check card limits, or contact your issuing bank.
  • Order Reservation: We reserve the right to withhold or cancel any order if payment cannot be completed, authorized, or if fraud is suspected.
  • Inquiries: For any billing questions or unexpected transaction disputes, please email us directly at service@overmontkitchen.com.