Payment Policy
A secure, transparent, and seamless checkout experience. At Moda Fashion, we are committed to providing you with a payment experience that is safe, straightforward, and completely free of surprises. This policy outlines the payment methods we accept, how your transactions are processed, and the robust security measures we have in place to protect your financial information.
1. Currency and Pricing Transparency
All transactions on our website are processed in United States Dollars (USD). The total amount displayed at checkout is fully transparent and includes:
- The product price of each item in your shopping cart
- Applicable state and local sales taxes, calculated automatically based on your shipping address and displayed clearly before you confirm your payment
- Free standard shipping on every order within the contiguous United States
There are no hidden fees, handling charges, processing surcharges, or surprise add-ons. The exact amount you see at checkout is the precise amount that will be charged to your selected payment method.
2. Accepted Payment Methods
We partner with industry-leading payment processors to deliver a secure, flexible, and convenient checkout experience:
Credit and Debit Cards
- Visa
- Mastercard
- American Express
- Discover
All transactions are encrypted via SSL and processed through PCI-DSS-compliant payment gateways. Every payment is subject to real-time authorization by your card issuer or financial institution before confirmation.
3. Payment Security Measures
Protecting your financial safety is one of our highest priorities. We employ the following security protocols:
| Security Measure | Description |
|---|---|
| SSL Encryption | 256-bit Secure Socket Layer technology encrypts all data transmitted between your browser and our servers during the entire checkout process |
| PCI-DSS Compliance | We do not store, process, or have direct access to your full credit card number, CVV, or banking credentials. All sensitive payment data is handled exclusively by PCI-DSS Level 1 certified payment processors |
| Real-Time Fraud Detection | Advanced fraud-screening algorithms analyze and flag suspicious transactions before they are processed |
| Verified Legal Operator | All payments are processed under the registered business entity Moda Fashion |
Your payment information is encrypted and protected at every stage of the transaction — from the moment you enter your details to the moment the payment is confirmed.
4. When You Are Charged
Your payment method is charged at the moment you complete checkout and click the order confirmation button. If we are unable to fulfill your order for any reason — whether due to stock unavailability, a verification issue, or another circumstance — we will issue a full refund to your original payment method within 10 business days.
5. Billing Descriptor
The charge on your credit card or bank statement will appear under the name "Moda Fashion."
Important: If you do not recognize this billing name, please contact us first before contacting your bank. Reach us at info@modafashion.org or call 773-306-2351 — we are happy to help clarify any charge.
6. Payment Failures and Troubleshooting
If your payment is declined or does not process successfully, please try the following steps:
- Verify your details — Ensure that your card number, expiration date, CVV, and billing address are entered exactly as they appear on your card statement.
- Check your balance — Confirm that your card has sufficient funds or available credit to cover the order total.
- Contact your bank — Some card issuers temporarily block online or out-of-state transactions as a security precaution.
- Try an alternative payment method — Switch to another card for a faster checkout.
- Troubleshooting — If the checkout page is not loading properly, try disabling any active VPN, clearing your browser cache and cookies, or switching to a different browser or device.
7. Temporary Authorization Holds
Even when a payment is not completed successfully, your bank or card issuer may place a temporary authorization hold on your account. These holds are controlled entirely by your financial institution and typically disappear within 3 to 10 business days.
8. Duplicate Charges
If you believe you were charged more than once for the same order, please contact us immediately with your order number and a screenshot of the duplicate transaction. We will coordinate with our payment processor to investigate and resolve the issue.
9. Pre-Authorization Holds
In certain situations a temporary pre-authorization may be placed on your card. This is not a completed charge. Once the order is verified, the pre-authorization converts to a final charge. If the order is cancelled, the hold will be released by your bank within 10 business days.
10. Refunds Issued by Moda Fashion
Eligibility: All refunds are governed by our Refund and Return Policy.
Refund Timeline: Once your return is approved, refunds are credited to your original payment method within 10 business days. Your bank or card issuer may require an additional 10 business days to post the credit.
Partial Refunds: When only part of an order is returned, only the value of the returned item(s) plus applicable sales tax will be refunded.
Return Shipping: Moda Fashion provides a prepaid return shipping label at no cost for all approved returns. The original outbound shipping charge is refunded only if the return is due to an error on our part.
Items Not Eligible for Refund
| Category | Reason |
|---|---|
| Clothing that has been worn, washed, altered, or substantially modified after delivery | Cannot be restored to original, sellable condition |
| Clothing with missing or removed tags or labels | Original condition cannot be verified |
| Items returned without original packaging | Cannot be processed through our standard return workflow |
| Items returned after the 30-day return window | Policy timeframe exceeded |
11. Order Modifications Within the Payment Window
You may request to change your payment method, billing address, shipping address, or item selection within 24 hours of placing your order, provided it has not yet entered our fulfillment queue. Contact us at info@modafashion.org with your order number.
12. Store-Initiated Order Cancellation
We reserve the right to cancel orders under the following circumstances:
- Payment authorization fails or cannot be verified
- Billing or shipping information appears fraudulent, invalid, or incomplete
- The ordered item is no longer in stock or has been discontinued
- A pricing or listing error was published on the product page
- Unusual order patterns suggest potential fraudulent activity
If we cancel your order after payment has been collected, you will receive a full refund within 10 business days.
13. Policy Updates
Moda Fashion reserves the right to revise this Payment Policy at any time. Updated versions take effect immediately upon posting. Your continued use of the website following any update constitutes your acceptance of the revised policy.
Contact Us
Moda Fashion
Address: 3946 W 63rd St, Chicago, IL 60629, USA
Email: info@modafashion.org
Phone: 773-306-2351
Business Hours: Monday – Friday: 11:00 AM – 6:00 PM | Saturday: 10:00 AM – 6:00 PM | Sunday: 11:00 AM – 4:00 PM
This Payment Policy applies to all transactions processed through the Moda Fashion website. By completing a purchase, you acknowledge that you have read and agree to the terms outlined in this policy.