Payment methods

Last updated: August 3, 2026

This Payment Policy explains the payment methods, transaction procedures, billing terms, and payment-security practices that apply to purchases from Vibe Hoodie Shop, operated by KONIC LLC.

All prices and transactions are generally displayed and processed in Australian dollars (AUD), unless checkout expressly displays another supported currency.

The payment methods shown at checkout at the time of purchase determine which methods are currently available. Availability may vary depending on the customer’s location, device, order, currency, and payment-provider requirements.

This policy should be read together with our Terms of Service, Privacy Policy, and Refund Policy.

1. Accepted Payment Methods

Available payment methods may include:

• PayPal;
• Visa;
• Mastercard;
• American Express;
• Discover; and
• Other eligible credit, debit, wallet, or payment methods displayed at checkout.

A payment method is accepted only when it is displayed and successfully processed through the Vibe Hoodie Shop checkout.

We may add, remove, limit, or temporarily suspend a payment method for operational, technical, security, legal, or payment-provider reasons.

2. PayPal

When PayPal is available and selected at checkout, you may be redirected to PayPal’s secure payment environment to authorize the transaction.

Existing PayPal customers may sign in and select an eligible funding source.

Where PayPal makes guest checkout available, customers without a PayPal account may be able to pay using an eligible credit or debit card through PayPal’s payment portal.

Guest-checkout availability is determined by PayPal and may depend on the customer’s location, device, transaction, account status, and PayPal’s risk-review procedures.

PayPal transactions are also subject to PayPal’s own terms, privacy practices, security requirements, and dispute procedures.

3. Credit and Debit Cards

Eligible credit and debit cards may be used directly through the secure checkout.

Accepted card brands may include:

• Visa;
• Mastercard;
• American Express; and
• Discover.

Before submitting payment, customers should verify:

• The cardholder name;
• The card number;
• The expiration date;
• The card security code;
• The billing address;
• The order amount; and
• The transaction currency.

The card will generally be charged when the order is submitted and payment is successfully authorized.

4. Currency and Exchange Rates

Prices and transactions are generally displayed and processed in Australian dollars (AUD).

If the customer’s card, bank account, or PayPal account uses another currency, the payment provider may convert the transaction from AUD into the account currency.

The final amount charged may depend on:

• The exchange rate used by the bank or payment provider;
• The date and time the transaction is processed;
• Currency-conversion fees;
• International or cross-border transaction fees; and
• The settlement rules of the payment provider.

Vibe Hoodie Shop does not control exchange rates or fees imposed by banks, card issuers, PayPal, or other payment providers.

5. Payment Authorization and Order Processing

An order is processed only after payment has been successfully authorized.

After payment confirmation, the order may enter preparation, production, personalization, fulfilment, or shipping processing.

Vibe Hoodie Shop and its payment providers may review, hold, reject, or cancel an order where:

• Payment authorization fails;
• Billing information cannot be verified;
• Fraud or unauthorized activity is suspected;
• Additional authentication is required;
• The transaction appears unusual, repetitive, or inconsistent;
• The transaction may violate applicable law or payment-provider requirements;
• The order violates our Terms of Service; or
• A technical or checkout error affects the transaction.

We may request reasonable information to confirm that the payment was authorized by the customer or payment-account holder.

If Vibe Hoodie Shop cancels an order after payment has been captured, we will process a refund to the original payment method unless the transaction has already been reversed, disputed, or charged back.

6. Payment Security

Payment information is transmitted through encrypted connections and processed by third-party payment providers using applicable payment-security controls.

Vibe Hoodie Shop does not directly store complete payment-card numbers or card security codes on its own servers.

Depending on the transaction, we may receive limited payment information, such as:

• The payment-provider name;
• The payment method or card brand;
• The last four digits of a payment card;
• The billing address;
• The transaction identifier;
• The payment status; and
• Authorization or fraud-screening results.

Additional information about how personal information is handled is available in our Privacy Policy.

7. Declined or Failed Payments

A payment may be declined, delayed, or placed under review because:

• The card number, expiration date, security code, or billing address is incorrect;
• The card has expired or has not been activated;
• The available balance or credit limit is insufficient;
• The payment method does not support online or international transactions;
• The bank or payment provider has restricted the transaction;
• Additional authentication was not completed;
• A fraud-prevention system flagged the transaction;
• The payment account is frozen, closed, or restricted; or
• A temporary banking, network, or checkout error occurred.

For security reasons, Vibe Hoodie Shop may not receive the exact reason a payment was declined.

If a payment is declined:

1. Review the payment and billing information entered at checkout.
2. Contact the bank or payment provider to ask whether the transaction is being blocked.
3. Complete any authentication requested by the payment provider.
4. Try another eligible payment method displayed at checkout.

8. Authorization Holds and Duplicate Charges

Authorization Holds

A bank or payment provider may place a temporary authorization hold when verifying a transaction.

An authorization hold is not always a completed charge. The financial institution controls when an unused authorization is released.

Possible Duplicate Orders

If you receive separate order-confirmation messages with different order numbers, more than one order may have been submitted.

Contact Vibe Hoodie Shop promptly and provide each order number.

Multiple Completed Payment Entries

If more than one payment entry becomes a completed charge for the same order, contact your financial institution and email Vibe Hoodie Shop with:

• The order number;
• The transaction date;
• The amount of each entry; and
• A screenshot showing the transactions with complete payment credentials removed.

9. Unsupported Payment Methods

Unless expressly displayed at checkout, Vibe Hoodie Shop does not accept:

• Cash on Delivery;
• Personal or business cheques;
• Electronic cheques;
• Money orders;
• Bitcoin or other cryptocurrency;
• Unapproved wire or bank transfers;
• Cash by post; or
• Payment-card details sent manually by email.

Do not mail cash, cheques, cards, or other payment instruments to our registered business address, warehouse, or return facility.

10. Refunds

Refund eligibility is governed by our Refund Policy, Return Policy, and Exchange & Replacement Policy.

If a refund is approved, Vibe Hoodie Shop will process it to the original payment method within 3–5 business days.

If a physical return is required, the refund-processing period begins after the authorized return is received, inspected, and approved.

The final posting time is controlled by the payment provider, bank, or card issuer and is separate from Vibe Hoodie Shop’s processing period.

Currency-conversion differences, foreign transaction fees, and financial-institution charges cannot normally be refunded by Vibe Hoodie Shop.

11. Payment Disputes and Chargebacks

If you believe a transaction is incorrect, duplicated, unauthorized, or connected with an unresolved order issue, contact Vibe Hoodie Shop before submitting a chargeback where reasonably possible.

Contacting us first allows our Support Team to:

• Locate the order;
• Review payment records;
• Investigate a duplicate transaction;
• Process an eligible cancellation or refund; and
• Resolve the issue without unnecessary delay.

Submitting a chargeback does not automatically cancel production, fulfilment, or shipment.

Vibe Hoodie Shop may provide relevant order, delivery, customer-service, refund, and transaction records to the payment provider when responding to a payment dispute.

Fraudulent, abusive, or knowingly false chargebacks may result in order cancellation, account restriction, refusal of future service, or other action permitted by law.

Nothing in this section prevents a customer from exercising a lawful payment-dispute or consumer right.

12. Contact Information

For declined payments, duplicate charges, refund questions, payment verification, chargebacks, or checkout problems, contact:

Related policies:

• Terms of Service
• Privacy Policy
• Refund Policy
• Return Policy
• Exchange & Replacement Policy