Payment Policy

Section 1: Overview

Thank you for choosing Tokyo Japanese Lifestyle for your shopping needs. This Payment Policy outlines the terms and conditions governing payment methods, billing procedures, and financial transactions on our online store. By making a purchase, you acknowledge that you have read, understood, and agree to abide by this Payment Policy.

All transactions are processed in United States Dollars (USD). We currently ship within the United States only.

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Section 2: Accepted Payment Methods

We accept the following payment options:

• Credit/Debit Cards: Visa, Mastercard, American Express, Discover
• Digital Wallets: PayPal, Shop Pay, Apple Pay, Google Pay
• All transactions are processed securely via SSL encryption
• Payments are subject to authorization by your card issuer
• All prices are displayed in USD
• A confirmation email with your order number will be sent upon purchase

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Section 3: Payment Processing

Order Confirmation:

Once you successfully complete a purchase, you will receive an order confirmation email containing your order details, itemized costs, and a unique order number. This email serves as your receipt and proof of transaction.

Payment Authorization:

All payments are subject to authorization by the issuing financial institution or payment processor. We reserve the right to cancel or refuse any order if payment authorization fails or is declined.

Currency:

All prices on our website are displayed in U.S. Dollars (USD). If you are purchasing from a country with a different currency, your bank or payment provider may apply exchange rates and additional conversion fees.

Security:

We employ industry-standard encryption and security measures (SSL/TLS) to protect your payment information during transmission. Your card details are never stored on our servers. All transactions are processed through PCI-compliant payment processors.

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Section 4: Pricing and Taxes

Product Pricing:

All product prices listed on our website are the final prices at the time of purchase. Prices are subject to change without prior notice. Price changes will not affect orders that have already been confirmed and processed.

Shipping Charges:

Shipping costs are calculated separately and will be clearly displayed during checkout. Please refer to our Shipping Policy for more details.

Taxes:

Applicable sales tax will be calculated based on your shipping address and added to your order total. Tax rates vary depending on state and local regulations.

Import Duties and Customs:

Not applicable — we currently ship within the United States only.

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Section 5: Billing Information

Accuracy of Information:

You are responsible for ensuring that all billing information provided during checkout is accurate, current, and complete — including your name, billing address, email address, and payment details.

Address Verification:

For your security, we may verify the billing address provided with the card issuer. Orders with mismatched or unverifiable billing addresses may be delayed or canceled.

Billing Discrepancies:
If you notice any discrepancies in your billing statement, please contact us immediately at info@tokyojapaneselifestyle.com or call +14808128488. We will investigate and resolve any billing errors promptly.

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Section 6: Payment Failures and Issues

Failed Transactions:

If your payment fails or is declined, please:

• Verify that your card details are correct and up-to-date
• Check with your bank or card issuer to ensure there are no restrictions
• Ensure sufficient funds are available
• Try an alternative payment method
• Contact us if the issue persists

Pending Payments:

In some cases, payments may appear as "pending" on your statement. This typically resolves within 24–48 hours. If a pending payment does not clear, please contact your financial institution.

Canceled Orders:

If an order is canceled due to payment issues, any authorized payment hold will be released according to your card issuer's policies. The time frame for funds to be returned may vary.

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Section 7: Refunds and Reimbursements

Refund Eligibility:

Refunds are processed according to our Return & Refund Policy. Please review the policy for detailed information on eligibility, timeframes, and procedures.

Refund Timeline:

Once a refund is approved, the amount will be credited back to your original payment method within 10 business days, depending on your bank or card issuer. Additional time may be required for funds to appear in your account.

Partial Refunds:

In cases where only a portion of an order is returned, only the value of the returned items plus applicable taxes will be refunded. Shipping costs are non-refundable unless the return is due to our error.

Non-Refundable Items:

• Gift Cards
• Promotional Sale / Clearance items
• Modified or altered plushies
• Washed or cleaned plushies

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Section 8: Payment Security and Fraud Prevention

Fraud Protection:

We take fraud prevention seriously. All transactions are monitored for suspicious activity. We reserve the right to cancel or flag any order suspected of fraud and may request additional verification before processing.

Suspicious Activity:

If we detect unusual or potentially fraudulent transactions, we may:

• Temporarily hold the order for verification
• Request additional documentation (e.g., ID, proof of address)
• Contact you directly to confirm order details

Unauthorized Transactions:

If you believe an unauthorized transaction has been made on your account, please contact us immediately. We will work with you and your financial institution to resolve the issue.

PCI Compliance:

We are committed to maintaining PCI DSS (Payment Card Industry Data Security Standard) compliance to ensure the secure handling of payment information.

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Section 9: Split Payments and Gift Cards

Split Payments:

Currently, we do not support split payments across multiple payment methods in a single transaction. You may use only one payment method per order.

Gift Cards:

Tokyo Japanese Lifestyle may offer gift cards that can be used toward purchases on our website. Gift card terms and conditions apply. Please check our website for current availability and terms.

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Section 10: Financing and Installment Options

Buy Now, Pay Later:

We may offer "Buy Now, Pay Later" options through third-party financing partners, allowing you to pay for your purchase in installments over a specified period.

Terms and Conditions:

Financing options are subject to approval by our third-party financing partners. Interest rates, late fees, and repayment terms vary by provider. Please review the financing agreement carefully before proceeding.

Default:

If you fail to make payments under a financing agreement, the financing partner may take collection actions, and your account may be subject to additional fees and interest.

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Section 11: Currency Conversion and International Payments

Foreign Currencies:

If you make a payment in a currency other than USD, your bank or payment processor will convert the amount at their applicable exchange rate. Exchange rates applied by your financial institution may differ from rates shown on our website.

International Transaction Fees:
Your bank or card issuer may charge additional fees for international transactions. These fees are determined by your financial institution and are not controlled by Tokyo Japanese Lifestyle.

Order Total:
The final amount charged to your payment method will be the order total in USD, including any applicable taxes and shipping costs, plus any conversion or foreign transaction fees charged by your bank.

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Section 12: Policy Updates and Modifications

We reserve the right to update, modify, or replace any part of this Payment Policy at any time without prior notice. Changes will be effective immediately upon posting on our website.

The "Last Updated" date at the top of this policy indicates the most recent revision. Your continued use of our services after any changes constitutes your acceptance of the updated Payment Policy.

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