Payment Policy
A secure, transparent, and seamless checkout — every time. 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
Digital Wallets and Express Checkout
- PayPal
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 statement, bank statement, or PayPal activity will appear under the name "Moda Fashion."
Important: If you do not recognize this billing name, please contact us first before contacting your bank. Initiating a chargeback without reaching out to us first may inadvertently delay the resolution process and could result in additional complications. 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. A quick call to your bank can often resolve this immediately.
- Try an alternative payment method — Switch to another card, or use PayPal, Apple Pay, or Google Pay for a faster checkout.
- Technical 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 (displayed as "pending" or "processing") on your account. These holds are controlled entirely by your financial institution and typically disappear within 3 to 10 business days, depending on the issuer's internal policies.
If a temporary hold persists beyond this window, please contact your bank directly — they are the only party that can release or adjust the hold on your account.
8. Duplicate Charges
If you believe you were charged more than once for the same order, please contact us immediately with the following information:
- Your order number (if available)
- A screenshot or photograph of the duplicate transaction(s) from your banking app or account statement
We will thoroughly review our payment records and coordinate with our payment processor to investigate and resolve the issue as quickly as possible.
9. Pre-Authorization Holds
In certain situations — such as when a fraud-detection system flags an order for manual review, or when a payment processor requires additional identity verification — a temporary pre-authorization may be placed on your card. This is not a completed charge.
Once the order is verified and cleared for processing, the pre-authorization converts to a final charge. If the order is cancelled, the hold will be released by your bank within the standard 10 business-day window.
10. Refunds Issued by Moda Fashion
Eligibility: All refunds are governed by our Refund and Return Policy. Please review that document for complete details on eligible returns.
Refund Timeline: Once your return is approved, refunds are credited to your original payment method within 10 business days. Please note that your bank or card issuer may require an additional 10 business days to post the credit to your account.
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. Shipping costs are 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 |
| Items marked "Final Sale" at the time of purchase | Clearly disclosed during checkout |
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.
After this 2-hour window, modifications may no longer be possible. To request a change, please contact us at info@modafashion.org with your order number as soon as possible.
12. Store-Initiated Order Cancellation
We reserve the right to cancel orders under the following circumstances:
- Payment authorization fails or cannot be verified by the processor
- 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 to your original payment method within 10 business days.
13. Policy Updates
Moda Fashion reserves the right to revise this Payment Policy at any time to reflect changes in our operations, payment processing partners, or applicable regulations. Updated versions take effect immediately upon posting on this page. Your continued use of the website following any update constitutes your acceptance of the revised policy.
Contact Us
If you have any questions, concerns, or need assistance with a payment-related issue, please don't hesitate to reach out:
Moda Fashion
Dress: 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 is effective as of the date displayed at the top of this page and applies to all transactions processed through the Moda Fashion website. By completing a purchase on our site, you acknowledge that you have read and agree to the terms outlined in this policy.