Payment Methods

I. Secure, Simple, and Streamlined: Your Guide to Checkout Confidence

At Myaro LLC, we understand that the culmination of your shopping experience—the checkout process—must be as seamless, secure, and stress-free as discovering our beautiful ceramic pieces. We have meticulously engineered our payment infrastructure to offer you not only a wide array of convenient payment options but also the absolute highest standards of financial security and data protection. Our primary partnership with Stripe, a globally recognized and PCI-DSS compliant payment processor, is the cornerstone of this commitment. This page details every payment method we accept, explains the robust security measures safeguarding your transaction, and provides clarity on our financial policies, ensuring you can complete your purchase with complete confidence and peace of mind.

We believe that transparency in payment processing is a critical component of trust. Therefore, we provide clear information on accepted cards, digital wallets, currency handling, and authorization processes. Whether you are purchasing a single hand-painted cereal bowl or curating an entire dinnerware set, our system is designed to process your payment efficiently and securely, anywhere in the world. Our goal is to make the financial aspect of your purchase so effortless that you can focus entirely on the anticipation of the artistry and quality about to arrive at your doorstep.

II. Our Primary Payment Partner: Stripe – The Gold Standard in Security

Why We Chose Stripe:
Myaro LLC has partnered exclusively with Stripe to handle all our payment processing. This decision was driven by Stripe’s unparalleled reputation for security, reliability, and developer-friendly infrastructure that supports a flawless customer experience. Stripe is certified to the highest level of PCI-DSS (Payment Card Industry Data Security Standard), meaning they adhere to the strictest global standards for storing, processing, and transmitting credit card information.

How This Protects You:

  • Zero Data Storage: At no point does Myaro LLC’s server ever store or have direct access to your sensitive credit card or debit card numbers. All payment information is entered directly into Stripe’s secure, encrypted payment fields.

  • Advanced Fraud Prevention: Stripe employs machine learning algorithms that analyze hundreds of signals in real-time to detect and prevent fraudulent transactions, protecting both you and our business.

  • Encrypted Transactions: Every piece of data transmitted during checkout is encrypted using industry-standard TLS (Transport Layer Security) and sent directly to Stripe’s secure servers.

  • Regulatory Compliance: Stripe ensures our payment processes are fully compliant with financial regulations and consumer protection laws in all the regions we operate.

This partnership allows us to offer a checkout experience that is not only smooth but also fortified with the same level of security trusted by millions of businesses worldwide, from nascent startups to Fortune 500 companies.

III. Accepted Payment Methods

We offer a versatile range of payment options to cater to our diverse customer base across the United States and internationally.

1. Credit Cards & Debit Cards (Processed via Stripe)

We accept all major credit and debit cards, providing universal convenience. When you choose this option, you will enter your card details into a secure Stripe payment module embedded on our checkout page.

  • Visa

  • Mastercard

  • American Express (Amex)

  • Discover

  • JCB

  • Diners Club

How it works: After entering your card number, expiry date, CVC, and billing ZIP code (US), Stripe immediately validates the card and requests an authorization hold from your bank for the order total. This is a temporary hold to ensure funds are available. The funds are formally captured and transferred only once your order is processed and prepared for shipment.

2. Digital & Mobile Wallets (For Ultimate Speed & Security)

For customers who prefer not to enter card details manually or who use mobile devices for shopping, we offer integrated digital wallet options, also powered by Stripe.

  • Apple Pay: Available on Safari browsers (macOS and iOS) and on iPhones/iPads. Authorize payment using Touch ID, Face ID, or your device passcode. Your card details are stored securely in your Apple Wallet.

  • Google Pay: Available on compatible Android devices and Chrome browsers. Authorize payment using your device’s security method. Your card details are stored securely in your Google Account.

  • Link by Stripe: You may be offered the option to save your card securely with Stripe for faster checkout on future visits. This is an opt-in service for your convenience.

Benefits of Digital Wallets: Transactions are exceptionally fast (often one-tap), reduce data entry errors, and add an extra layer of security as your actual card number is never shared with the merchant (Myaro LLC) during the transaction.

3. Additional Local Payment Methods (Via Stripe)

Depending on your country and currency, Stripe may offer additional local payment methods at checkout, such as:

  • ACH Direct Debit (For US-based bank accounts)

  • SEPA Direct Debit (For European bank accounts in EUR)

  • Various other country-specific bank redirects and real-time bank transfers.

These options will appear automatically at checkout if they are available and relevant to your location, providing a familiar and often low-cost payment alternative.

IV. Transaction Details, Currency, and Authorizations

Transaction Currency:
All transactions on myaro.store are processed in United States Dollars (USD). If you are paying with a card issued in another currency, your bank or card provider will handle the currency conversion at their prevailing exchange rate, and you may be subject to an international transaction fee. We display prices in USD throughout the shopping and checkout process to ensure clarity and consistency.

Authorization Holds (Pre-Authorizations):
When you place an order, an authorization hold is placed on your payment method for the total order amount, including tax and shipping. This is a standard industry practice to verify the availability of funds. Important: This is a hold, not an immediate charge.

  • If your order is approved and ships: The hold becomes a finalized charge, and the funds are transferred to Myaro LLC.

  • If your order is cancelled or cannot be fulfilled: The authorization hold is released. The time it takes for the hold to disappear from your account depends entirely on your bank’s policy, typically ranging from 1 to 10 business days. Myaro LLC does not control this release timeline.

Sales Tax:
Sales tax is calculated and applied at checkout for orders shipping to destinations within the United States where Myaro LLC has a tax nexus, in compliance with state and local laws. For international orders, customers are responsible for any and all customs duties, import taxes, brokerage fees, or VAT/GST levied by the destination country. These are not collected by Myaro LLC at checkout and are payable directly to the shipping carrier or local tax authority upon delivery.

V. Steps for a Successful Payment & Troubleshooting

To ensure a smooth payment process:

  1. Verify Card Details: Double-check that the card number, expiration date, and CVC code are entered correctly.

  2. Ensure Sufficient Funds: Confirm that your card has sufficient available credit or that your debit account has adequate funds to cover the order total, including any potential foreign transaction fees your bank may apply.

  3. Billing Address Match: Use the exact billing address associated with your credit card or bank account. Discrepancies can cause authorization failures.

  4. Use a Supported Browser: Ensure your web browser is up-to-date and that JavaScript is enabled, as our Stripe integration requires it.

  5. Complete the Process: Do not close the browser window or navigate away from the checkout page until you see a clear “Order Confirmed” or “Thank You” page and receive a confirmation email. Closing the window prematurely may interrupt the transaction.

Common Payment Issues & Solutions:

  • “Payment Declined”:

    • Cause 1: Incorrect card details, insufficient funds, or an expired card.

    • Solution: Verify all details and try again. Contact your bank to ensure the card is active for online/international purchases and that there are no blocks on the transaction.

    • Cause 2: Bank’s fraud protection triggered the decline.

    • Solution: Contact your bank directly to approve the transaction with Myaro LLC/Stripe. Then try placing the order again.

  • “Payment Processing Error”:

    • Solution: This is often a temporary connectivity issue. Wait a few minutes and try again. If it persists, try a different payment method or contact us at khanhhuyen.llc@gmail.com for assistance.

  • Authorization Hold Present After Cancellation:

    • Solution: As noted above, the release timing is controlled by your bank. Please allow up to 10 business days for the hold to be removed. If it remains beyond that, contact your bank with the date and amount of the authorization.

VI. Payment Security & Fraud Prevention Commitment

Beyond Stripe’s infrastructure, Myaro LLC employs additional layers of security:

  • Order Verification: We may manually review certain orders for fraud prevention purposes. In rare cases, we may contact you via email to verify identity before processing. This protects you from identity theft.

  • Secure Website (HTTPS): Our entire website, myaro.store, is secured with SSL (HTTPS), encrypting all data transferred between your browser and our servers.

  • Privacy Policy: We are committed to protecting your personal data. Our Privacy Policy explicitly outlines how we handle the non-financial information you provide.

VII. Refunds, Disputes, and Chargebacks

All refunds are processed back to the original payment method used for the purchase. Once initiated by Myaro LLC in accordance with our Refund and Return Policy, the timing for the refund to appear in your account depends on your bank or card issuer, typically within 5-10 business days.

We strive to resolve any issue amicably and directly. If you have a concern about a charge, please contact us first at khanhhuyen.llc@gmail.com before contacting your bank to file a dispute or chargeback. We are highly responsive and committed to finding a fair resolution. Unnecessary chargebacks incur significant fees and administrative burdens, and we maintain detailed records of all transactions and communications to defend against invalid claims.

Your security and satisfaction are our top priorities. By choosing Myaro LLC, you are choosing a checkout experience defined by cutting-edge security, thoughtful convenience, and transparent policies. Should you have any questions about payment methods not covered here, please do not hesitate to contact our customer service team.