This Payment Policy describes how payments are displayed, authorized, collected, reviewed, and refunded when you purchase from DIMITRI RINGUET. It should be read with our Terms & Conditions, Shipping Policy, and Return & Refund Policy.
1. Currency and price display
The store's selling currency is euro (EUR). Prices displayed on product pages, in the cart, at checkout, and in the order confirmation are expressed in EUR unless the checkout clearly states otherwise. If a bank, card issuer, wallet, or payment provider converts EUR into another account currency, that provider determines its exchange rate and any conversion or foreign-transaction fee. Those third-party charges are not retained by DIMITRI RINGUET.
Prices offered to consumers in France include value-added tax (VAT) where applicable. Delivery charges and any other unavoidable order charges are disclosed before the customer submits payment. For cross-border orders, import VAT or duties may be collected at checkout or by local authorities as described in the Shipping Policy.
2. Accepted payment methods
The payment methods actually available are the methods displayed in the secure Shopify checkout for the customer's location, device, and order. They may include eligible credit or debit cards, accelerated checkout, digital wallets, or local payment methods. Display of a logo does not guarantee eligibility; the payment provider may apply country, currency, value, device, account, or risk restrictions.
We do not accept cash, cheques, bank details sent by email, or card numbers supplied through a contact form. Do not email full card information to us.
3. Authorization and contract formation
Submitting an order authorizes the selected payment provider to verify the payment method and to reserve or debit the amount shown at checkout. A bank may show a pending authorization before final capture. The timing of capture depends on the payment method, risk review, and fulfillment process.
An automated acknowledgement confirms that we received the order; it does not necessarily mean that payment was finally accepted or that a sales contract has been accepted by us. Contract formation is governed by the Terms & Conditions. If an order cannot be accepted, any captured amount will be reversed or refunded and an authorization hold will normally expire according to the issuing bank's timetable.
4. Payment security
Checkout is provided through Shopify and connected payment providers. Payment-card information is transmitted to the payment environment using security controls operated by those providers. DIMITRI RINGUET ordinarily does not receive or store the complete card number or card security code. Shopify states that its platform is certified to PCI DSS Level 1; PCI controls support payment security but do not eliminate all risk.
Depending on the card and transaction, the issuing bank may require Strong Customer Authentication, including 3-D Secure verification. Authentication can involve a banking application, password, biometric check, or one-time code. We cannot override an issuer's authentication decision.
5. Failed, declined, or interrupted payments
A payment can fail because of incorrect details, expired credentials, insufficient funds, an issuer restriction, failed authentication, network interruption, duplicate-attempt controls, a billing-address mismatch, or fraud screening. We may ask the customer to try again through checkout or use another displayed method. We will never ask for a full card number by ordinary email.
If the checkout reports failure but the bank shows a pending amount, the entry may be a temporary authorization rather than a completed charge. The issuer controls the release timetable. Contact the issuer first, then contact us with the order number, date, amount, and last four digits only; do not send complete payment credentials.
6. Fraud prevention and verification
We and our providers may screen transactions to protect customers and the store against fraud, misuse, sanctions violations, and unauthorized payment. We may request reasonable verification, place an order on hold, limit quantities, or cancel an order where there is a lawful and objectively justified security concern. Verification information is processed under the Privacy Policy.
We do not make a final adverse decision solely because a billing and delivery address differ. Any review will consider the transaction circumstances. If we cancel after capture, we will initiate a refund to the original payment method.
7. Billing information and invoices
The customer must provide accurate billing information and must be authorized to use the selected payment method. The invoice and order documents use the information confirmed at checkout. Request any correction as soon as possible. We may be legally unable to alter certain invoice information after issuance.
8. Discounts, gift cards, and promotions
A discount code or promotional benefit is valid only under its published conditions, validity period, eligible products, customer or territory restrictions, minimum spend, and usage limit. Unless stated otherwise, offers cannot be combined, exchanged for cash, or applied retrospectively. A refund will not exceed the amount actually paid for the returned item. If gift cards are offered, their specific terms and mandatory French rules also apply.
9. Refunds, reversals, and timing
Approved refunds are issued to the original payment method unless another lawful method is agreed. The mandatory refund deadlines apply, including the French/EU withdrawal rules described in the Return & Refund Policy. After we submit a refund, the bank or payment provider controls when the credit appears.
If the original payment method is closed, expired, or replaced, the issuer commonly routes the refund to the underlying account. Contact the issuer for assistance. We may use an alternative lawful method only where necessary and after appropriate verification; we do not redirect a card refund to an unrelated person.
10. Chargebacks and payment disputes
Please contact us first if an order, payment, refund, or delivery is unclear so we can investigate promptly. This does not remove a legal right to dispute an unauthorized or incorrectly processed payment with the issuer. Knowingly filing a false claim may be unlawful. If a dispute is opened, we may provide the payment provider with relevant order, delivery, communication, and refund records as described in the Privacy Policy.
11. Contact
For a payment question, use our Contact Us page with the order number, transaction date, amount in EUR, and a description. For security, provide only the last four digits of a card and never its full number or security code.