Payment Policy

Last Updated: July 20, 2026

At TRILUMITY (owned and operated by MEOWPAMPER LLC), we are committed to providing a secure, transparent, and frictionless checkout experience. This Payment Policy outlines our accepted payment methods, currency standards, and security protocols for all transactions completed on trilumity.com. Please review this policy alongside our Terms and Conditions prior to placing an order.

1. Accepted Payment Methods & Payment Gateways

To ensure full compliance and convenience for our shoppers, TRILUMITY accepts major secure payment options. The accepted payment methods displayed at checkout include:

Credit & Debit Cards: We accept Visa, MasterCard, American Express, and Discover.
E-Wallets & Online Payment Gateways: We accept PayPal (allowing payment via PayPal balance, linked bank accounts, or credit/debit cards stored in your PayPal account).

Unaccepted Payment Methods

To prevent fraudulent activity and maintain transaction security, we strictly do NOT accept:

Cash on Delivery (COD)
Personal checks, business checks, or money orders
Wire transfers or direct bank deposits
Cryptocurrencies (e.g., Bitcoin, Ethereum)
Local store credit cards lacking major network logos (Visa, MasterCard, AMEX, Discover)

2. Currency Standard & Pricing Transparency

Official Currency (USD): All product prices, shipping rates, promotional discounts, and calculated taxes displayed on trilumity.com are denominated and processed strictly in United States Dollars (USD / $).
No Hidden Checkout Fees: The total order amount displayed in your final checkout summary is the exact and final amount billed by TRILUMITY. We do not charge any processing fees, payment surcharges, or hidden checkout fees.
Foreign Currency Conversions: If your credit/debit card or PayPal account is issued in a currency other than USD, your bank or payment issuer will automatically apply their current exchange rate and any applicable foreign transaction fees. These conversion charges are set independently by your financial institution.

3. Checkout Security, SSL Encryption & PCI Compliance

We enforce strict data protection standards to safeguard your financial details during transmission:

256-Bit SSL/TLS Encryption: All session connections and transaction data across trilumity.com are encrypted using industry-standard 256-bit Secure Sockets Layer (SSL) and Transport Layer Security (TLS) technology.
PCI-DSS Level 1 Compliance: All card transactions and digital wallet payments are processed exclusively through PCI-DSS Level 1 compliant payment gateways (Shopify Payments and PayPal).
Zero Storage of Payment Credentials: Sensitive payment information—including full 16-digit credit card numbers, CVV/CVC security codes, expiration dates, and banking credentials—never touches or resides on our servers. All sensitive details are handled directly by certified payment processors.

4. Payment Capture & Immediate Order Processing

Instant Payment Capture: Your payment method is charged in full immediately upon completing the checkout process. Order handling, product inspection, and fulfillment begin as soon as payment approval is confirmed.
Order Confirmation Receipt: Upon successful payment, an automated order confirmation email containing your Order Number, itemized product summary, shipping address, and total amount billed is sent to your email address.

(Note: If you do not receive an order confirmation email within 1 hour of purchase, please check your Spam/Junk folder before contacting support.)

5. Sales Tax Calculation

Applicable US state and local sales taxes are calculated automatically at checkout based on the delivery destination ZIP code provided. All tax charges are transparently itemized in your order summary prior to final payment submission.

6. Pre-Authorization Holds & Declined Transactions

Pre-Authorization Holds: During checkout submission, your card issuer or PayPal may place a temporary authorization hold on your account. This reserves the transaction funds and is not a duplicate charge. If the order fails or is canceled before processing, the held funds are released automatically by your financial institution within 2 to 5 business days.
Declined Transactions: If a transaction is declined or fails, your order will not enter processing. Common reasons for card declines include mismatched billing ZIP codes, card spending limits, or automated bank security flags. If issues persist, please contact your card-issuing bank or PayPal directly.

7. Billing Address Verification & Fraud Prevention

Address Matching (AVS): To ensure billing accuracy and prevent unauthorized card usage, the billing address entered at checkout must match the exact billing address registered with your card issuer or PayPal account.
Fraud Screening: Every order is screened through automated anti-fraud security tools. Orders flagged as high-risk may undergo manual review by our team. In rare cases, we may request brief identity verification before releasing an order. Unverified or fraudulent orders will be canceled immediately and refunded in full.

8. Promotional Codes & Coupons

Usage Terms: Valid promotional codes or discount coupons must be entered into the "Discount Code" field at checkout prior to completing payment.
Limitations: Only one discount code may be applied per order. Promotional codes cannot be applied retroactively to completed purchases or combined with other active site-wide offers unless explicitly stated.

9. Chargebacks & Billing Inquiries

If you notice an unrecognized charge or experience an issue with your transaction:

Please contact us directly at support@trilumity.com before initiating a formal chargeback or payment dispute with your bank or PayPal. Most billing concerns, order issues, or duplicate charge inquiries can be resolved quickly by our support team.
For post-purchase issues involving order adjustments, damages, or returns, please follow our Refund and Returns Policy. Unilateral disputes opened without prior communication will be contested with complete transaction, shipping, and communication records.