Payment Policy

Payment Policy – Dermacalm®

Last Updated: [10/27/25]

Thank you for choosing Dermacalm®. This Payment Policy outlines the terms and conditions governing all payments made on our website.

1. Accepted Payment Methods
We accept the following secure payment methods for your convenience:

  • Credit & Debit Cards:

    • Visa

    • Mastercard

    • American Express

    • Discover
      Your card information is processed securely through our payment gateway and is not stored on our servers.

  • Digital Wallets:

    • PayPal

    • Apple Pay

    • Google Pay
      These methods offer a fast, secure, and one-click checkout experience.

2. Payment Security
Your security is our top priority. We employ industry-standard security measures to protect your financial information:

  • SSL Encryption: Our website uses Secure Sockets Layer (SSL) technology to encrypt all data transmitted between your browser and our servers during the checkout process.

  • PCI DSS Compliance: We are PCI DSS (Payment Card Industry Data Security Standard) compliant. This means we adhere to the strictest security standards set by the payment card industry to protect your sensitive payment information.

  • Trusted Gateways: All credit and debit card payments are processed by our PCI-compliant payment service providers, which handle your data in a secure environment.

3. When Will My Card Be Charged?
Your payment method will be authorized and charged immediately upon submitting your order. This allows us to promptly begin processing and preparing your shipment.

4. Currency
All transactions are processed in US Dollars (USD). If you are paying with a card issued in another currency, the final charge will be converted by your bank or card issuer, and any applicable foreign transaction fees may be imposed by them.

5. Billing Address Verification
For your protection, we use an Address Verification System (AVS). The billing address you provide must exactly match the address on file with your credit card issuer. Orders that fail AVS checks may be delayed or canceled to prevent fraudulent transactions.

6. Payment Authorization & Pre-Authorization
When you place an order, your payment method may be initially "pre-authorized." This is a temporary hold to ensure funds are available and is not an actual charge. The funds will be fully captured when your order is shipped. In some cases, your bank may show this as a pending charge for a few business days.

7. Failed Payments & Declined Transactions
If your payment fails or is declined, your order will not be processed. Common reasons for declined payments include:

  • Insufficient funds.

  • Incorrect card number, expiration date, or CVV code.

  • Billing address not matching the bank's records.

  • Reaching your card's credit limit.

  • Suspected fraudulent activity flagged by your bank.

Please contact your bank or card issuer to resolve the issue before attempting to place your order again.

8. Refunds & Returns
All refunds will be issued to the original payment method used for the purchase. Please allow 5-10 business days for the refund to be fully processed and appear in your account, depending on your bank or payment provider's policies. For more details, please review our Return & Refund Policy.

9. Sales Tax
Sales tax will be applied to orders as required by state and local laws. The exact amount will be calculated and displayed clearly during the checkout process before you complete your purchase.

10. Contact Us
If you have any questions about charges, payment methods, or encounter any issues during checkout, please contact our customer service team:

EctoCare U.S. Customer Support
Email: support@permacalm.com
Phone: [Insert U.S. Phone Number if applicable]
Hours: 9:00 AM - 5:00 PM EST, Monday - Friday