Payment Methods
Last updated: March 26, 2026
Applies to customers in: United States, United Kingdom, France, Germany, Australia, Spain, Canada, Italy, Belgium, Portugal
Currency: USD
At Teakivo, paying on https://teakivo.com should be simple and secure. This Payment Policy explains which payment methods we accept, how payments are processed, the currency used, what isn’t supported, and how transactions are protected. It works alongside our Shipping Policy, Cancellation Policy, Return & Refund Policy, and Warranty (all amounts are shown and refunded in USD).
1. Accepted Payment Methods
1.1 Credit / Debit Cards (Visa, Mastercard, American Express, Discover)
Select Credit/Debit Card at checkout and enter your details on the secure payment page.
When you are charged: If payment is approved, your card is charged immediately when you place your order (authorization and capture occur right away in most cases). Your order is confirmed only after successful payment.
For your safety, Teakivo never stores full card numbers or CVV codes.
Payments are processed by PCI DSS–compliant payment processors (for example, Stripe or similar providers) using SSL/TLS encryption.
Your bank may require additional verification such as CVV, billing ZIP/postcode, or 3-D Secure / SCA.
Authorization holds (pending charges):
Some banks may show a temporary “pending” authorization hold. This typically clears or converts to a completed charge within a few business days, depending on your bank.
Refunds:
Approved refunds are returned to the same card in USD. The time it takes to appear depends on your bank.
1.2 PayPal
Select PayPal at checkout, log in to your PayPal account, and confirm payment. You will then return to an order confirmation page on our Site.
If PayPal uses a bank transfer/eCheck, order processing begins after PayPal marks the payment as cleared.
Refunds go back to your PayPal account or original funding source, depending on PayPal’s rules for the transaction.
1.3 Large / High-Value Orders (Fraud Prevention)
To protect customers and prevent fraud on high-value shipments, Teakivo may:
verify billing/shipping details, and/or
request quick confirmation of the order.
This may occur when order values are high, billing and shipping addresses don’t match, or multiple orders are placed in a short period.
If we cannot verify order details within a reasonable time, we may cancel the order for safety. If a charge was captured, we will issue a refund in USD to the original payment method.
2. Currency & Pricing (USD Only)
All orders are charged and refunded in U.S. Dollars (USD).
If your card or PayPal account uses another currency (e.g., GBP, EUR, AUD, CAD), your bank/PayPal will convert the amount using their exchange rate and may apply fees.
Exchange rates and currency conversion fees are set by your bank or PayPal—not by Teakivo.
Any differences between the purchase amount and refund amount in your local currency can be caused by exchange rates and provider fees.
Statement descriptor: Charges may appear on your statement as Teakivo or a related descriptor used by our payment processor.
3. Taxes, Duties & What You See at Checkout
Any applicable sales tax/VAT and any duties or brokerage fees that we collect (if applicable) will be shown at checkout in USD.
How duties/VAT are handled depends on the Shipping Policy for your country/region.
If your order is shipped with duties/taxes included, you typically should not pay these again at delivery.
If local authorities or carriers collect charges at delivery, this will be communicated where possible before you confirm payment.
Promotions and Discount Codes
Promotions and discount codes apply at checkout.
They generally cannot be applied retroactively to orders already placed.
4. Unsupported Payment Methods
To keep payments safe and processing times clear, Teakivo does not accept:
bank transfers/wire transfers (unless explicitly offered for a specific order),
checks,
cash on delivery (COD),
cryptocurrency.
If we add new payment options, this Policy will be updated.
5. Authorizations, Charges, Refunds & Disputes
5.1 Authorizations
Some banks show a temporary authorization hold (“pending”).
Most holds clear within 3–7 business days, but timing depends on your bank.
5.2 Charges
In-stock items: your payment method is typically charged immediately when you place your order and payment is approved.
We usually process one total charge for the full order, even if items ship in separate packages (unless your bank/payment method processes differently).
5.3 Refunds
Approved refunds are issued to the original payment method (card or PayPal) in USD.
Refund posting time depends on your bank or PayPal.
5.4 Declines / Duplicate Pending Lines
If a payment is declined, your order is not confirmed.
If you see duplicate pending authorizations, they are usually temporary and typically disappear automatically (your bank controls timing). If you need help, contact us.
5.5 Chargebacks (Bank Disputes)
If something looks wrong on your statement or with your order, please contact Teakivo first. In many cases we can resolve issues faster directly (e.g., correcting an error, replacing an item, or issuing a refund). Filing a chargeback immediately may slow resolution and can require additional verification steps.
6. Security & Compliance
Checkout pages use SSL/TLS encryption to protect data in transit.
Payments are processed via PCI DSS–compliant payment gateways.
Teakivo never stores full card numbers or CVV codes.
Access to limited payment information is restricted to trained staff and used only for support, order handling, and fraud prevention.
For some cards in the EU/UK and other regions, Strong Customer Authentication (SCA) / 3-D Secure may be required by your bank.
Always confirm you see https:// and the lock icon in your browser before entering payment details.
No payment surcharges: We do not add extra fees based solely on your choice of payment method. Any foreign exchange fees are set by your bank or PayPal.
7. Payment Troubleshooting (Quick Fixes)
If a payment fails or looks unusual, try:
Check your details (card number, expiry, CVV, billing ZIP/postcode).
Complete security prompts (3-D Secure/SCA verification).
Try another browser/device (to rule out technical issues).
Call your bank to approve the transaction (especially for high-value or international purchases).
Use PayPal if your card continues to be blocked (if available in your country).
We aim to respond to payment-related support requests as quickly as possible on business days.
8. Policy Updates
We may update this Payment Policy when:
payment methods change,
security practices change, or
legal/banking requirements change.
When updates are made, the “Last updated” date at the top will be revised. Material changes may be highlighted on the Site.
9. Contact & Support
Questions about payments or a recent charge? Please contact Teakivo and include your Order ID so we can help faster.
Address: 5200 THATCHER ROAD, DOWNERS GROVE, IL 60515
Phone: +1 (361) 419-0164
Email: [email protected]
Support Time: Mon–Sun: 8:00 AM-5:00 PM CST