Payment Policy

Payment Policy — Ova Cloth

Welcome to Ova Cloth. Every transaction on our site is built to be secure, transparent, and easy to understand — this policy walks through how we handle payments, billing, and the financial details that matter to you.

1. Accepted Payment Methods

We support a range of trusted payment options:

  • Visa
  • Mastercard
  • American Express (AMEX)
  • Discover
  • Apple Pay
  • Google Pay
  • Shop Pay

Every payment runs through secure, established payment gateways.

2. When You're Charged

Payment is taken immediately when you place your order. Once it's authorized, you'll get an order confirmation email with your receipt and full order details.

3. Currency & Taxes

  • Currency: All transactions run in USD ($).
  • Sales Tax: Applicable sales tax is calculated based on your shipping address and added at checkout, in accordance with US state tax regulations. What you see at checkout, including tax, is what you pay.
  • Shipping: We ship within the United States only, so no customs duties or import taxes apply to your order.

4. Payment Security

Your financial information is protected through:

  • SSL encryption on every transaction
  • PCI-compliant payment providers handling the processing
  • No storage or access to your full card details on our end

5. If a Payment Fails

Before trying again, double-check that:

  • Your billing details are entered correctly
  • There are sufficient funds available

Still not working? Reach out to your bank first, or contact our support team and we'll help you troubleshoot.

6. Cancellations & Refunds

  • Cancellations: Possible only before an order has been processed for shipping. Once it's dispatched, our Return & Refund Policy applies instead.
  • Refunds: Approved refunds go back to your original payment method. Allow up to 14 business days for it to appear in your account — timing depends on your bank or provider.

7. Contact & Business Information

For billing or payment questions, reach us through:

Ova Cloth
Registered Business Name: NAYA LLC
Registered Address: 3800 Lake Ave, Wilmette, IL 60091, United States
Warehouse Address: 1551 Sherman Ave, Evanston, IL 60201, United States
Phone: +1 (773) 414-9760
Email: info@ovacloth.com
Response Time: We aim to respond to all inquiries within 1–2 business days.

8. Regulatory Compliance — United States

Ova Cloth operates in accordance with the payment and consumer-protection standards that apply to online sellers based in the United States:

  • Secure Payment Processing: All card payments on our site are processed through PCI-DSS compliant payment providers, with encryption and fraud-monitoring safeguards to keep your transactions secure.
  • Licensed Payment Processors: All payments are handled through established, regulated U.S. payment processors.
  • Price Transparency: Every price shown to you — on product pages, at checkout, and in your confirmation email — reflects the exact amount you will pay, including any applicable sales tax, before you complete your purchase.
  • Currency Consistency: All prices, from product listings through to checkout, are displayed and charged in USD ($), with no discrepancy between what's advertised and what's billed.
  • Consumer Rights Alignment: Our billing, cancellation, and refund practices are designed to meet applicable U.S. consumer protection standards, so you always know what you're paying, when you're charged, and how to get your money back if needed.