Payment Policy

At Michael & Laura Toronto, we provide a secure and streamlined checkout experience. Below you will find important information regarding our payment methods and processing procedures.

For any payment-related questions, please contact us at:
info@michaellauratoronto.com

1. Accepted Payment Methods

We currently accept the following payment methods:

  • Credit Card (Visa, Mastercard, American Express where available)

  • Apple Pay

  • Shop Pay

  • Google Pay

We do not accept bank transfers, cash payments, or alternative payment methods outside those listed above.

All payments must be completed at checkout in order for the order to be processed.

2. Payment Security

Your payment security is our highest priority.

  • All transactions are processed through secure, SSL-encrypted connections.

  • We do not store full credit card details on our servers.

  • Payments are securely handled by certified third-party payment providers that comply with international security standards (PCI-DSS compliant).

This ensures your data remains protected at all times.

3. Payment Authorization & Processing

Orders are only processed after successful payment authorization.

If:

  • A payment is declined

  • A transaction is flagged for suspected fraud

  • Authorization cannot be completed

The order will not be processed or shipped.

We reserve the right to cancel any order if fraudulent or unauthorized activity is suspected.

4. Refunds

If you are eligible for a refund (for example, after an approved return), the refund will be processed:

  • Within 14 days after the returned item has been received and approved

  • Via the original payment method used at checkout

Please note that processing times may vary depending on your card issuer or payment provider.

Original shipping fees are non-refundable unless required by applicable consumer protection laws.

5. Currency & Charges

All prices are displayed in the selected currency at checkout.

If your bank account operates in a different currency, your bank or card provider may apply currency conversion fees or international transaction charges. These charges are the responsibility of the customer.

Contact

For any questions regarding payments, billing, or transactions, please contact:

Michael & Laura Toronto
Email: info@michaellauratoronto.com