Payment Policy

Accepted Payment Methods

BranBear currently accepts the following payment methods at checkout:

Apple Pay and Google Pay will appear only when they are supported by your device, browser and wallet configuration.

Payment Processing

Online payments are securely processed through Stripe. When you submit an order, your payment information is transmitted directly to the payment processor for authorization. BranBear does not directly store your complete card number or card security code.

Your bank may display the transaction as pending while authorization is being completed. An order is not considered confirmed until payment authorization has been successfully received.

Currency

All prices, shipping charges, discounts, taxes and order totals shown on BranBear are displayed and charged in United States dollars (USD).

If your payment account uses another currency, your bank or card provider may apply its own exchange rate or foreign transaction fee. BranBear does not control those external fees.

Order Total and Taxes

The complete amount payable will be shown before you submit your order. Where applicable, taxes are calculated based on the information provided at checkout and the requirements that apply to the transaction.

Billing Information

You must provide current, complete and accurate payment and billing information. The billing address should match the information held by your bank or payment provider. Incorrect details may result in a declined, delayed or cancelled transaction.

Declined or Failed Payments

A payment may be declined because of insufficient funds, incorrect card details, an expired card, billing-address mismatch, bank security controls or payment-provider restrictions.

If payment fails, verify your information or contact your bank. BranBear cannot override a decline made by your bank, wallet provider or Stripe.

Payment Verification and Fraud Prevention

To protect customers and our store, an order may be subject to automated or manual verification. We may request additional information, place an order on hold or cancel and refund a transaction if we reasonably suspect unauthorized use, fraud or a payment-security risk.

Never send complete card details or security codes to BranBear by email, contact form or telephone.

Refunds

Approved refunds are returned to the original payment method. BranBear processes approved refunds within 7 business days, but your bank or payment provider may need additional time to display the funds in your account.

Eligibility, return-shipping responsibilities and refund conditions are explained in our Returns & Refunds Policy.

Unauthorized Charges

If you believe a BranBear transaction was made without your permission, contact your bank immediately and email us at contact@branbear.com with the transaction date, amount and any relevant order information. Do not include complete card details.