Payment Policy

At Moderngirlwear, operated by AARON MICHAEL LEE LLC, we are dedicated to providing a secure, seamless, and flexible checkout experience. We believe that shopping for the latest in women's fashion should be as stress-free as possible, starting from the moment you select your items to the final secure transaction.

As part of our commitment to transparency and security, we have integrated industry-leading payment gateways—including PayPal, Stripe, and Airwallex—to ensure that your financial data is protected with the highest level of encryption. This Payment Policy outlines our accepted payment methods, security protocols, and billing procedures.

1. Accepted Payment Methods

To accommodate our diverse customer base, Moderngirlwear offers a variety of payment options. Whether you prefer traditional credit cards, digital wallets, or buy-now-pay-later solutions, we have integrated the most reliable systems available.

Payment Category	Supported Methods / Providers
Digital Wallets	PayPal, PayPal Pay Later
Credit & Debit Cards	Visa, MasterCard, American Express, Discover, Diners Club
Processing Gateways	Stripe, Airwallex
Express Checkout	PayPal Express, Debit or Credit Card (via PayPal)

By offering multiple gateways like Stripe and Airwallex, we ensure high transaction success rates and international-standard security for all cardholders.

2. Security and Data Protection

Your security is our top priority. Every transaction conducted at https://moderngirlwear.shop/ is processed through a secure, encrypted connection.

• SSL Encryption: Our website uses Secure Sockets Layer (SSL) technology to encrypt your personal and financial information during transmission. You can verify this by looking for the "lock" icon in your browser's address bar.
• PCI Compliance: We do not store your full credit card numbers or sensitive CVV codes on our servers. All payment processing is handled by PCI-DSS compliant providers (PayPal, Stripe, and Airwallex), ensuring your data meets the highest global security standards.
• Encrypted Transactions: As noted on our checkout page, "All transactions are secure and encrypted." This ensures that your private data remains private.

3. Detailed Payment Options

A. PayPal and PayPal Pay Later
PayPal is one of the world’s most trusted payment platforms. When you choose PayPal at checkout, you can: Use your existing PayPal balance; Pay with a linked bank account or credit card; PayPal Pay Later: For eligible customers, this allows you to split your purchase into manageable installments.

B. Credit and Debit Cards (via Stripe & Airwallex)
We utilize Stripe and Airwallex to process direct card payments. These gateways are known for their reliability and fraud-prevention tools. We accept all major cards, including Visa, MasterCard, American Express, and Discover. Your statement will typically show a charge from Moderngirlwear or AARON MICHAEL LEE LLC.

4. Billing Information and Accuracy

To ensure your order is processed within our 1–3 business day handling window, it is vital that the billing information provided matches the information on file with your financial institution.

• Verification: If our system flags a transaction as "High Risk" due to a billing address mismatch, our support team may reach out to verify your identity.
• Address Accuracy: Please ensure your billing zip code and CVV are entered correctly. Multiple failed attempts may result in a temporary block.

5. Payment Processing and Order Confirmation

Authorization: When you click "Complete Order," an immediate authorization request is sent to your bank.
Order Confirmation: Once the payment is successfully authorized, you will automatically receive an Order Confirmation Email. This serves as your receipt.
Charge Timing: Your card or account is typically charged at the time of purchase. If an order is canceled within our 2-hour window, the authorization will be voided or refunded.

6. Currency and Taxes

Currency: All transactions are processed in U.S. Dollars (USD). If you are shopping from outside the United States, your bank may apply a currency conversion fee.
Sales Tax: Sales tax is calculated based on the shipping destination and local state laws. The total amount shown at checkout, including the $6.99 flat-rate shipping, is the final price you will pay.

7. Troubleshooting Payment Failures

If your payment is declined at checkout, please consider the following common causes:

• Incorrect Card Details: Double-check the 16-digit card number, expiration date, and CVV.
• Insufficient Funds: Ensure your account has enough balance to cover the total.
• Bank Restrictions: Some banks block online transactions or high-value purchases for security.
• Technical Glitches: If you experience an error with one gateway (e.g., Stripe), you may try completing the purchase using PayPal or the Airwallex option.

8. Refunds and Disputes

All refunds are issued back to the original payment method used at checkout. Consistent with our Return & Refund Policy:

• Refunds are processed within 12 business days after we receive your return.
• Chargebacks: We encourage customers to contact [email protected] before initiating a chargeback. Most issues can be resolved professionally and quickly by our support team.

9. Fraud Prevention

AARON MICHAEL LEE LLC reserves the right to cancel any order that appears fraudulent or unauthorized. Our payment systems use advanced AI and machine learning to detect patterns of fraud. If an order is canceled for security reasons, the funds will be released back to the original account immediately.

10. Contact Information

If you have any questions regarding our payment process, security protocols, or if you need assistance with a failed transaction, please contact our professional billing department.

Last updated: April 2026