Payment Policy

Payment Policy

Thank you for shopping with SkinMochi. We're committed to a smooth, secure, and transparent checkout. Please review our payment terms below.

Accepted Payment Methods

Credit and debit cards Visa, Mastercard, American Express, Discover, Diners Club

Digital wallets Apple Pay, Google Pay

Shop Pay Shop Pay and Shop Pay Installments

PayPal

Local payment methods Bancontact (Belgium) and iDEAL | Wero (Netherlands) are available to customers in those countries.

The options shown at checkout depend on your billing country, device, and browser. All available methods are displayed before you confirm your order.

Currency & Pricing

SkinMochi sells in multiple countries, and prices are presented in the currency of your region.

  • The currency shown at checkout is the currency you will be charged in. What you see before confirming is what your bank will process.
  • Where prices are displayed in a currency other than your card's home currency, your bank or card issuer may apply a currency conversion or foreign transaction fee. These charges come from your financial institution, not from us, and are your responsibility.
  • Exchange rates used for local pricing are set at the time of purchase and may differ slightly from mid-market rates published elsewhere.

What Appears on Your Statement

Charges from our store appear on your card or bank statement as SP SkinMochi.

Orders paid through PayPal are billed by PayPal and will appear under a PayPal reference on your statement rather than the descriptor above. The charge will also be listed in your PayPal account activity.

If you see a charge you don't recognize, please contact us before disputing it with your bank — we can identify the order and resolve it far faster than a formal dispute.

Shop Pay & Shop Pay Installments

Shop Pay is a fast, secure checkout option that saves your payment and shipping details for quicker future purchases.

Eligible customers may also use Shop Pay Installments, which splits an order into smaller payments over time. Important details:

  • Installments are provided and serviced by Affirm, not by SkinMochi. Choosing this option means applying for a loan through Affirm, subject to their approval.
  • Available on qualifying order values within a set minimum and maximum, inclusive of discounts, shipping, and taxes.
  • Plans may be bi-weekly or monthly. Rates start at 0% APR — interest may apply on longer terms, and your exact rate and payment schedule are shown by Affirm before you commit.
  • Affirm charges no late fees and no hidden fees.
  • A down payment may be required at checkout depending on the plan and purchase amount.
  • Availability depends on your region and your individual eligibility, and is confirmed at checkout. This option will not appear on every order or in every country.

Questions about an existing installment plan should be directed to Affirm, as they service the loan.

Payment Processing

  • Full payment is required at checkout. Orders are not processed or shipped until payment has been successfully completed and cleared.
  • Once your payment is approved, you will receive an order confirmation email with your order number, an itemized payment summary, and your shipping details. If you don't see it within a few minutes, check your spam or promotions folder before contacting us.
  • Submitting an order constitutes an offer to purchase. We reserve the right to decline or cancel any order — including after payment authorization — in cases of suspected fraud, pricing or listing errors, stock unavailability, or a billing and shipping address mismatch. If we cancel an order, you are refunded in full.

Payment Security

Protecting your information is a priority.

  • All payments are processed through secure, PCI-DSS compliant, encrypted payment gateways.
  • We never see or store your full card number. Card data is handled directly by our payment processors.
  • Trusted third parties — Shopify Payments, Shop Pay, PayPal, Apple Pay, Google Pay, and our local payment providers — process your payment details confidentially under their own security and privacy standards.
  • Our site is secured with SSL encryption on every page where information is entered.

Taxes & Duties

Taxes are calculated automatically at checkout based on your shipping address, and the exact amount is shown before you confirm your order. There are no hidden fees or surcharges.

  • Canada: applicable federal and provincial sales taxes (GST, HST, QST, or PST).
  • United States: state and local sales tax where applicable.
  • European Union and United Kingdom: VAT where applicable.
  • Australia: GST where applicable.

For orders shipped across a customs border, import duties or additional taxes may be assessed by your local authorities on delivery. Where these are not collected at checkout, they are the responsibility of the recipient. Please see our Shipping Policy for details.

Declined Payments & Failed Transactions

If your payment is declined:

  1. Verify your card number, expiry date, and CVV.
  2. Confirm your billing address exactly matches what your bank has on file — this is the most common cause of decline.
  3. Make sure your card is authorized for online and international transactions and has sufficient available funds.
  4. Contact your bank or card issuer, who can tell you the specific reason for the decline. For Shop Pay Installments declines, contact Affirm.

About pending charges: a declined or failed attempt may still appear as a temporary authorization hold on your account. This is not a completed charge and no funds have been taken. Holds are typically released by your bank within 3–7 business days.

If problems persist after trying the above, contact us and we'll help you complete your order.

Refunds

Refunds for eligible returns are processed under our Return & Refund Policy.

  • Refunds are issued to the original payment method only. We cannot refund to a different card, account, or method.
  • Once approved, we process refunds within 3 business days.
  • After we process it, allow an additional 5–10 business days for funds to appear, depending on your bank or card issuer. This portion is outside our control.
  • Refunds are issued in the original currency of the transaction. If exchange rates have moved since your purchase, the amount credited in your home currency may differ slightly from the amount originally debited. This difference is set by your bank, not by us.
  • Shipping charges are refunded only where required by our Return & Refund Policy.
  • For orders paid via PayPal, refunds are returned to your PayPal account. If the original payment drew on a linked card or bank account, PayPal determines whether the refund is credited back to that source or held as a PayPal balance, and their processing times apply.
  • For orders paid via Shop Pay Installments, the refund is applied to your Affirm loan balance and may adjust your remaining payment schedule rather than returning cash to you.

Chargebacks & Disputes

If you have an issue with an order, please contact us first. We resolve the large majority of concerns within one business day, which is considerably faster than a bank dispute.

Filing a chargeback without contacting us first delays resolution and may result in your account being restricted from future orders. We respond to all disputes with full order, delivery, and communication records.

Orders paid through PayPal are subject to PayPal's Purchase Protection and dispute process, which is handled in the PayPal Resolution Center rather than by your card issuer. PayPal's own filing deadlines and eligibility rules apply to those orders.

Need Assistance?

For payment questions, order support, or anything else, visit our contact page or reach us directly:

Company Name: SkinMochi

Email: info@skinmochi.com

Phone Number: +1 (418) 317-2856

Address: 55 Village Centre Place, Suite 200, Mississauga, ON L4Z1V9

Service Hours: Monday to Friday between 9:00 am to 5:00 pm

We appreciate your trust in SkinMochi.