Payment Policy

At KOIBONI, we provide a secure and seamless checkout experience. We understand that security is a top priority when shopping online, which is why all payments on our store are handled by Shopify Payments, Shopify's integrated payment provider.

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

1. Accepted Payment Methods

All transactions are processed through Shopify Payments. You may pay for your order using any of the following:

Credit and debit cards: Visa, Mastercard, American Express, Discover, JCB, and Diners Club.
Accelerated checkout: Shop Pay, Apple Pay, and Google Pay.
PayPal, where offered at checkout.

The payment methods available to you are displayed at checkout. We do not accept cash, cheques, wire transfers, or payment on delivery.

2. Payment Security & Encryption

Your security is our priority. KOIBONI is built on the Shopify platform, and Shopify Payments is certified Level 1 PCI DSS compliant.

Every transaction is transmitted using SSL (Secure Socket Layer) encryption, so your card details cannot be intercepted by third parties.
Koiboni does not store your full card details on our servers. Card data is captured and held by Shopify Payments and its processors, never by us.
As noted in our Privacy Policy, no security measure is perfect. You are responsible for keeping your account credentials safe and should not share your password with anyone.

3. Order Acceptance & When You Are Charged

As set out in Section 3 of our Terms of Service, placing an order is an offer to purchase, not a completed sale. Your order is not accepted until we confirm acceptance, and we must receive and process your payment before an order is accepted.

Your payment method is authorized and charged at the time you place your order.
Once payment is successfully authorized, you will receive an order confirmation email setting out the price charged.
If your payment is declined or cannot be authorized, your order will not be processed and we will attempt to notify you by email.

4. Prices, Currency & Sales Tax

All transactions are processed in US Dollars (USD). If you pay with a card issued outside the United States, your bank may apply a currency conversion or foreign transaction fee. These fees are set by your bank and are not charged or retained by Koiboni.
Prices, discounts, and promotions are subject to change without notice. The price charged is the price in effect when the order is placed, as confirmed in your order confirmation email.
Sales tax is applied where required by law, based on your shipping destination, and is displayed at checkout before you finalise your purchase.
Shipping is free on all orders within the United States, with no minimum purchase, as described in our Shipping Policy. No shipping charge is added at checkout.

5. Billing Information & Verification

Please ensure your billing address matches the address on file with your bank or card issuer. Mismatched billing details are a common cause of declined transactions.

To protect our customers, transactions may be reviewed for fraud, as described under "Security and Fraud Prevention" in our Privacy Policy. Where payment cannot be verified, or a transaction is flagged as potentially fraudulent, we may delay or cancel your order in line with Section 6 of our Order Cancellation Policy. Any amount charged on a cancelled order is refunded in full.

6. Pricing Errors

Under Section 12 of our Terms of Service, we reserve the right to correct typographical errors, inaccuracies, or omissions relating to pricing and promotions, and to cancel any order placed at an incorrect price — including after the order has been submitted. If your order is cancelled for this reason, you will receive a full refund to your original payment method.

7. Refunds, Cancellations & Chargebacks

Approved refunds are issued to your original payment method within 10 business days. We cannot refund to a different card or account. See our Refund & Return Policy.
Cancellation requests must be made within 12 hours of placing your order and before it enters processing. See our Order Cancellation Policy.
Your bank or card issuer may take additional time to post the refund to your statement after we issue it.
If you believe a charge is incorrect, please contact us first at support@koiboni.com before raising a chargeback with your bank. We can usually resolve billing issues faster and directly.

8. Relationship with Shopify

Koiboni is powered by Shopify, and payments are processed by Shopify Payments. As stated in Section 9 of our Terms of Service, any sale or purchase you make is made directly with Koiboni. Shopify is not responsible for any aspect of the sale between you and Koiboni. Information you submit at checkout is transmitted to and processed by Shopify, as described in our Privacy Policy and in the Shopify Consumer Privacy Policy.

9. Governing Law & Changes to This Policy

This Payment Policy forms part of our Terms of Service and is governed by the laws of the State of New York, United States, as stated in our Legal Notice. We may update this policy at any time; the current version will always be available on this page.

Contact Information

If you have any questions regarding our Payment Policy, or encountered an issue during checkout, please contact us:

Business Name: KOIBONI

Address: 1731 Matthews Ave APT 4A, Bronx, New York 10462, United States

Email: support@koiboni.com

Phone: +1 (929) 888-9431

Live Chat: Available on the website during business hours

Business Hours: Mon-Fri: 9:00 AM - 5:00 PM (Eastern Time)