Payment Policy

At Melodyio, we are dedicated to providing a checkout experience that is as smooth and secure as your favorite melody. We use industry-standard encryption to ensure your financial data is protected at every step.

1. Accepted Payment Methods

To offer a flexible and secure checkout, we accept the following payment options:

Credit/Debit Cards: We currently support Visa and Mastercard.
Digital Wallets: Secure, one-touch checkout is available via PayPal.

2. Transaction Authorization & Fulfillment

Authorization: When you place an order, your financial institution performs an immediate authorization check to verify funds. Your account will be charged once the transaction is approved.
Production Trigger: Since many of our items are handcrafted and made-to-order, our production process begins only after payment confirmation is fully secured.
Order Completion: The funds captured at checkout are considered a deposit for your custom goods. The sale is officially finalized once your order is dispatched and a shipping confirmation is sent to your email.

3. Industry-Leading Security

Your financial safety is our highest priority. We utilize advanced encryption to ensure your data remains private.

Secure Gateways: All transactions are processed through PayPal’s secure encrypted system, a global leader in payment security.
Data Privacy: Melodyio never stores your credit card details on our servers. Your information is encrypted and transmitted directly to the payment processor.
Billing Statement: For your records, transactions on your bank or credit card statement will typically appear as *"PAYPAL MELODYIO" or simply "PAYPAL."

4. Refund & Dispute Resolution

We aim for complete customer satisfaction. If you require a refund, please note:

Original Method: To prevent fraud, refunds are strictly issued back to the original payment source (the specific card or PayPal account) used during the initial purchase.
Processing Time: Once Melodyio initiates a refund, it may take several business days to reflect in your balance, depending on your bank's specific processing cycles.
Inquiries: To discuss a billing issue or request a refund, please provide your Order Number to our support team for faster service.