Last updated: August 3, 2026

This policy explains how payments work when you shop with Pawkk, operated by SBSCOMMERCE LLC ("Pawkk," "we," "us," or "our"). It covers when you are charged, how your payment details are protected, and what happens if something goes wrong at checkout. This policy forms part of our Terms of Service.

httpsSecure, encrypted checkout

Our entire store runs over a secure, SSL-encrypted connection. Any information you enter at checkout is encrypted in transit — scrambled and protected as it travels between your device and our payment providers.

credit_cardHow your payment is processed

Payments on our store are handled by trusted, PCI-DSS-compliant third-party payment processors. We accept major credit and debit cards, along with any digital wallet options shown at checkout. The options available to you are always displayed at checkout before you complete your purchase.

When you enter your payment details, that information is sent directly to the relevant payment processor over their own secure systems. These providers are certified to the Payment Card Industry Data Security Standard (PCI-DSS) — the same security standard used across the global payments industry.

shieldWe never store your card details

At most, we receive limited, non-sensitive confirmation details — such as whether a payment succeeded, the last few digits of a card for reference, and the billing information needed to fulfil and support your order. How we handle that information is described in our Privacy Policy.

scheduleWhen you are charged

Your payment method is charged in full at the time you place your order, not when your order ships. The amount charged is the total shown on the checkout page, including any applicable taxes, shipping charges, and optional add-ons you selected.

You'll receive an order confirmation email once your payment has been processed. If it hasn't arrived within a few hours, please check your spam folder before contacting us.

assignment_turned_inOrder acceptance & pricing errors

Our order confirmation email acknowledges that we've received your order and payment. It is not, on its own, our acceptance of your order.

We reserve the right to decline or cancel an order before dispatch — for example, where an item is unexpectedly out of stock, where a pricing or product listing error has occurred, where we're unable to deliver to the address provided, or where our payment processor flags the transaction for security reasons. Where a price has been listed incorrectly, we are not obliged to supply the item at that price. If we cancel an order for any of these reasons, we'll notify you by email and refund the full amount you paid.

verified_userFraud prevention, declines & verification

Our payment processors may carry out automated fraud and security checks on transactions to protect both you and us against unauthorized use. In some cases, a payment may be declined or held for review by the processor as part of these checks. This is a standard security measure, managed by the processor rather than by us directly.

If your payment is declined, your order is not confirmed and we won't begin processing it. Declines are decided by your bank, card issuer, or our payment processor — not by us — and we're generally not told the specific reason. Common causes include an incorrect card number or expiry date, a billing address that doesn't match your card records, insufficient funds, or your bank's own fraud controls.

You may occasionally see a pending authorization on your account for a declined or cancelled order. This is a temporary hold placed by your bank, not a completed charge, and it's normally released automatically within a few business days.

paymentsCurrency & taxes

Prices on our store are displayed and charged in US Dollars (USD) unless otherwise stated at checkout. If your card or account is in another currency, your bank or card provider may apply its own conversion rate and fees, which are outside our control.

Any applicable sales tax is calculated at checkout based on your delivery address and shown as a separate line before you complete your purchase. The total you see at checkout is the total you pay — we don't add charges after your order is placed.

local_shippingOptional Shipping Protection

Shipping Protection is an optional add-on you may choose to include at checkout. If selected, it's charged as a separate line item as part of your order total and shown clearly before you pay.

Your order will be processed and delivered in the same way whether or not you add it. Once your order has been dispatched, the Shipping Protection charge itself is non-refundable, as the coverage has begun. If your full order is cancelled before dispatch, the charge is refunded along with the rest of your order. Full details of what it covers are set out in our Shipping Policy.

receipt_longHow charges appear on your statement

Charges from us appear on your bank or card statement as "PAWKK", referencing SBSCOMMERCE LLC. If you see a charge you don't recognize, please contact us first at help@pawkk.com — most concerns can be resolved quickly and directly, often faster than a formal dispute. You can find more detail in our Refund & Returns Policy.

undoRefunds

Refunds are always issued to the same payment method used for the original purchase. We're unable to refund to a different card, account, or payment method.

We aim to issue approved refunds on our end within 5 to 10 business days. Once issued, it may take additional time for your bank or card provider to post the funds to your account. Full details of when a refund is due and how to request one are in our Refund & Returns Policy.

task_altYour consent

By completing a purchase, you authorize us and our payment processors to charge your chosen payment method for the total shown at checkout, including any applicable taxes. You confirm that you are the authorized holder of the payment method provided, or that you have permission from the holder to use it.

Nothing in this policy limits any rights you may have under applicable consumer protection law or under your card network's rules.

support_agentQuestions

If you have any questions about how your payment is processed or protected, reach out anytime:

Our support team is available Monday through Friday during standard business hours.