Payment Policy

Payment Policy

Welcome to Universal Market! We want to make your payment experience secure, convenient, and transparent. Below you'll find all the important details about our payment methods, security measures, and policies.

Accepted Payment Methods

We accept the following payment methods to make your shopping experience as convenient as possible:

  • PayPal: Secure online payments through your PayPal account
  • Bank Deposit: Direct bank transfer to our account (details provided after order confirmation) choose bank transfer option and follow instructions gently.
  • Layaway: Reserve your items with a deposit and pay over time

Payment Method Details

PayPal

  • Instant payment processing
  • Secure transaction through PayPal's encrypted system
  • No need to share card details with us
  • Immediate order confirmation upon successful payment

Bank Deposit

  • Bank account details will be provided after order placement
  • Please include your order number in the transfer reference
  • Orders will be processed once payment is confirmed (1-3 business days)
  • Send payment confirmation to universalcustomermarket@gmail.com

Layaway

  • Reserve your items with a minimum deposit
  • Flexible payment schedule available
  • Items held for up to 90 days
  • Contact us at universalcustomermarket@gmail.com to set up layaway terms
  • Final payment required before shipping

Payment Security

Your payment security is our top priority:

  • All transactions are processed through secure, encrypted connections
  • PayPal transactions are protected by PayPal's security measures
  • Bank transfer details are provided securely through encrypted email
  • We never store sensitive financial information

Currency & Pricing

  • Primary Currency: USD (US Dollars)
  • International Orders: Prices displayed in USD
  • Exchange Rates: For international bank transfers, current exchange rates apply
  • Price Lock: Your order price is locked once confirmed

Payment Processing

  • PayPal: Instant processing and immediate order confirmation
  • Bank Deposit: 1-3 business days for payment verification
  • Layaway: Items reserved upon deposit confirmation
  • Order Shipping: Orders ship once full payment is received and verified

Step-by-Step Payment Instructions

How to Pay with PayPal:

  1. Add items to your cart and proceed to checkout
  2. Select PayPal as your payment method
  3. Click 'Complete Order' - you'll be redirected to PayPal's secure site
  4. Log in to your PayPal account using your email and password
  5. Review your order details and payment amount
  6. Confirm your payment by clicking 'Pay Now'
  7. You'll be redirected back to our site with immediate order confirmation
  8. Check your email for order confirmation and tracking details

How to Pay with Bank Deposit:

  1. Add items to your cart and proceed to checkout
  2. Select Bank Deposit as your payment method
  3. Complete your order with your shipping information
  4. You'll receive an email with our bank account details within 30 minutes
  5. Go to your bank (online, mobile app, or in-person)
  6. Make a transfer to our account using the provided details
  7. IMPORTANT: Include your order number in the transfer reference/memo
  8. Email a screenshot or receipt of your transfer to universalcustomermarket@gmail.com
  9. We'll confirm payment within 1-3 business days and ship your order

How to Set Up Layaway:

  1. Browse our store and note the items you want to reserve
  2. Email us at universalcustomermarket@gmail.com with subject 'Layaway Request'
  3. Include: item names, quantities, and your preferred payment schedule
  4. We'll respond within 24 hours with a custom payment plan
  5. Review and approve the layaway terms
  6. Make your initial deposit payment (minimum 25% of total order)
  7. We'll reserve your items and send you a payment schedule
  8. Make payments according to the agreed schedule
  9. Once final payment is received, we'll ship your complete order
  10. Items are held for up to 90 days from first deposit

Refunds & Returns

  • PayPal Refunds: Processed back to your PayPal account within 3-5 business days
  • Bank Deposit Refunds: Refunded to your original bank account within 5-10 business days
  • Layaway Refunds: Deposits are refundable according to our layaway terms
  • Refund Policy: See our separate Return Policy for detailed information

Payment Troubleshooting

PayPal Issues:

  • Ensure your PayPal account has sufficient funds or linked payment method
  • Check that your PayPal account is verified
  • Try logging out and back into PayPal
  • Contact PayPal support if payment continues to fail

Bank Deposit Issues:

  • Double-check our bank account details
  • Ensure you include your order number in the transfer reference
  • Allow 1-3 business days for international transfers
  • Contact us if you don't receive bank details within 1 hour

Layaway Issues:

  • Contact us immediately if you can't make a scheduled payment
  • We may be able to adjust your payment schedule
  • Missing payments may result in cancellation after 30 days

Contact Us

For any questions about payments, layaway terms, or bank transfer details:

  • Email: universalcustomermarket@gmail.com
  • Response Time: Within 24 hours during business days
  • Payment Support: Available Monday-Friday, 9 AM - 5 PM

Thank you for choosing Universal Market. We appreciate your business and are committed to providing you with flexible and secure payment options!