At Toy Joy Kids, we aim to make your shopping experience as smooth and convenient as possible. Below, you will find the details of our Payment Policy, outlining accepted payment methods, security practices, and payment processing information.

1. Accepted Payment Methods
We accept a variety of secure payment methods to ensure that your shopping experience is hassle-free. These include:

• Major credit and debit cards (Visa, MasterCard, American Express, Discover)
• Secure online payment services like PayPal

All transactions are processed securely, and we do not store any credit card or payment information on our servers.

2. Payment Processing
When you place an order at Toy Joy Kids, your payment will be processed at the time of purchase. Please ensure that the billing information you provide matches the details of your payment method, as discrepancies may cause delays in processing.

Once your payment is confirmed, you will receive an email with your order confirmation and receipt. We recommend keeping this email for your records.

3. Currency
All prices on our website are listed in U.S. dollars (USD). If you are purchasing from outside the U.S. and using an international payment method, your bank or payment provider may apply currency conversion fees or other charges. Toy Joy Kids is not responsible for any additional fees imposed by your payment provider.

4. Secure Payment Processing
Your security is our priority. All transactions are encrypted using SSL (Secure Sockets Layer) technology to protect your personal and financial information. We partner with trusted third-party payment gateways to ensure that your payment details are handled safely.

5. Payment Issues
If your payment is declined or if there are any issues processing your transaction, our customer service team will contact you for further assistance. Common reasons for payment failures include incorrect billing information or insufficient funds. Please double-check your details to avoid delays.

6. Taxes
Applicable sales tax will be added to your order at checkout based on your shipping address and local tax regulations.

7. Fraud Protection
Toy Joy Kids reserves the right to refuse or cancel any order if we suspect fraudulent activity. If we detect suspicious activity related to your order or payment, we may request additional verification before processing the order.

For any questions or concerns regarding payment, feel free to reach out to us at [email protected]. We are here to ensure that your shopping experience is as smooth as possible!