PAYMENT POLICY

Welcome to SPEAKTOPIC. We are dedicated to ensuring your shopping experience is smooth and secure. This Payment Policy provides detailed information on the payment options we accept, security protocols, and associated terms and conditions.

1. PAYMENT METHODS

At SPEAKTOPIC, we aim to offer flexible payment options for our valued customers:

A. Credit and Debit Cards

We accept all major credit and debit cards, including:

  • Visa

  • MasterCard

  • American Express

  • Discover

B. Digital Wallets

Enjoy quick and easy checkout using the following digital wallet services:

  • PayPal

  • Apple Pay

  • Google Pay

C. Bank Transfers

For larger or bulk purchases, direct bank transfers are available. Please reach out to us at info@speaktopic.click for bank transfer instructions.

D. Gift Cards and Store Credits

  • SPEAKTOPIC gift cards can be redeemed online.

  • Store credits issued by SPEAKTOPIC are applicable on eligible purchases.

2. PAYMENT SECURITY

Your security is our priority. To protect your sensitive information:

  • All payments are processed via secure payment gateways.

  • Our website utilizes SSL (Secure Socket Layer) encryption to safeguard your data.

  • SPEAKTOPIC does not store complete payment card information on its servers.

3. BILLING ACCURACY

It is essential to provide accurate billing details to ensure:

  • Smooth processing of your payment.

  • Avoidance of order delays or cancellations.

4. PAYMENT PROCESSING TIME

  • Online payments (credit/debit cards or digital wallets) are processed instantly.

  • Bank transfers may require 2-5 business days for verification and clearance.

5. CURRENCY

All transactions on SPEAKTOPIC are processed in USD. Customers are responsible for any currency conversion fees imposed by their financial institution.

6. TAXES AND FEES

  • Prices displayed on SPEAKTOPIC include applicable taxes for purchases within the United States.

  • International customers are responsible for any additional customs duties or taxes as per their local regulations.

7. PAYMENT DISPUTES

If you encounter an issue with your payment:

  • Contact our support team immediately at info@speaktopic.click or call 813-967-4015.

  • Our team will work to resolve disputes within 7 business days.

8. REFUNDS

  • Refunds are processed back to the original payment method used for the purchase.

  • Depending on your financial institution, refunds may take 5-10 business days to appear in your account.

LAST REVISED: January 14, 2025