Payment Policy

Last Updated: September 14, 2026

At Gingtto, we strive to provide a seamless, secure, and flexible shopping experience for our customers worldwide. This Payment Policy outlines the accepted payment methods, currency handling, security protocols, and troubleshooting steps for your orders.

1. Accepted Payment Methods

We offer a variety of payment options to ensure a fast and convenient checkout:

  • Credit & Debit Cards: Visa, MasterCard, American Express, Discover, Diners Club, JCB, and Maestro.

  • Express Checkout Solutions:

    • PayPal (Express Checkout / Pay in 4)

    • Shop Pay (Fast one-click checkout & installment options where applicable)

    • Apple Pay

    • Google Pay

2. Currency & Pricing

  • All orders are processed in USD ($) by default.

  • If you are shopping from outside the United States (e.g., Canada, Australia, UK, or EU), prices may be displayed in your local currency for convenience. However, final charges will be processed in USD at the current market exchange rate set by your card issuer or payment provider.

  • Additional foreign transaction fees may be applied directly by your bank if your card is registered outside the US.

3. Payment Security & Data Protection

Your security is our top priority:

  • PCI-DSS Compliant: Our store is powered by Shopify, which is certified Level 1 PCI-DSS compliant. This is the highest standard of security in the payment industry.

  • SSL Encryption: All personal data and payment details entered during checkout are encrypted using 256-bit SSL technology.

  • No Stored Card Details: Gingtto does not store or have access to your full credit/debit card numbers or security codes (CVV).

4. Payment Authorization & Order Confirmation

  • Immediate Billing: Your payment method will be charged immediately upon placing your order.

  • Order Confirmation: Once your payment is successfully authorized, you will receive an automated order confirmation email containing your order details and invoice.

  • Order Fraud Review: To protect our customers against fraudulent transactions, orders may be subject to automated verification checks. If an authorization issue or suspicion arises, our support team may reach out to verify your details before processing the order.

5. Why Was My Payment Declined?

If your transaction fails or is declined at checkout, please check the following common reasons:

  • Billing Address Mismatch: Ensure the billing zip/postal code and street address match the exact records on file with your card issuer.

  • International Transaction Restrictions: Some banks automatically block overseas online transactions. Please contact your bank to enable international payments.

  • Daily Spending / Credit Limits: Verify that your account has sufficient funds or has not exceeded daily limit thresholds.

  • Incorrect Card Details: Double-check the 16-digit card number, expiration date, and CVV/CVC code.

Pro Tip: If your credit card continues to be declined, we strongly recommend completing your purchase using PayPal, Shop Pay, or Apple Pay as a reliable alternative.

6. Refunds & Cancellations

  • Order Cancellations: If you need to cancel or change an order, please contact us immediately at info@gingtto.com before the order is fulfilled. Once an order has entered the fulfillment pipeline, it cannot be canceled and must follow our standard Return Policy.

  • Refund Process: Approved refunds are issued back to the original payment method used at checkout. Processing times typically take 3–7 business days depending on your financial institution.

7. Contact Us

If you experience any technical difficulties during checkout or have questions regarding a charge on your statement, please reach out to our team: