Transactions Policy

At Bonnie’s Bags, we aim to provide secure, transparent, and reliable payment processing.

This Payment Policy explains the payment methods, currency, payment process, security measures, failed transactions, refunds, bank transfers, and other payment-related information applicable to purchases made through our website.

1. ACCEPTED PAYMENT METHODS

The payment methods available during checkout may include:

  • Visa;
  • Mastercard;
  • American Express;
  • Discover;
  • ACH bank transfer; and
  • Bank wire transfer.

Additional payment methods may be available depending on your device, bank, location, and the payment services currently enabled on our website.

The payment methods displayed during checkout, or otherwise provided as part of the payment instructions for your order, are the methods available for your particular transaction.

Bonnie’s Bags cannot guarantee that every payment method will be available for every customer or order.

2. PAYMENT CURRENCY

All product prices, shipping charges, discounts, taxes, and order totals are displayed and charged in the currency shown for your order at checkout.

If you use a card or account issued in another currency, your bank or payment provider may convert the transaction into your account currency.

Your bank or payment provider may apply:

  • Currency conversion charges;
  • Foreign transaction fees;
  • International payment charges;
  • Wire transfer fees; or
  • Its own exchange rate.

Any such charges are determined by your bank or payment provider and are not collected or controlled by Bonnie’s Bags.

3. PAYMENT PROCESS

To complete your payment:

  1. Add the desired products to your cart;
  2. Proceed to checkout;
  3. Enter your billing, delivery, and contact information;
  4. Select one of the available payment methods;
  5. Review the product price, shipping charge, applicable taxes, discounts, and final order total;
  6. Enter or confirm your payment information or follow the applicable bank transfer instructions; and
  7. Submit your order.

Your payment information will be processed through the secure checkout, the applicable payment provider, or the relevant banking system.

After submitting your order, you should receive an order confirmation at the email address provided during checkout.

An automated order confirmation confirms that we have received your order. It does not necessarily constitute final acceptance of the order.

Order acceptance is subject to payment authorization or receipt of cleared funds, fraud screening, stock availability, and the conditions described in our Terms and Conditions.

4. ACH BANK TRANSFERS

Where ACH bank transfer is available, you may be able to pay directly from an eligible U.S. bank account.

ACH payments may require information such as:

  • Account holder name;
  • Bank routing number;
  • Bank account number;
  • Account type; and
  • Any additional authorization required by the payment provider or financial institution.

ACH payments may take additional time to authorize, process, or settle.

An order paid by ACH may remain pending until the payment provider or financial institution confirms that the funds have been successfully received or cleared.

If an ACH payment is returned, rejected, reversed, or fails to settle, we may place the order on hold or cancel it.

Do not send banking credentials, passwords, security codes, or other sensitive banking information to Bonnie’s Bags by email.

5. BANK WIRE TRANSFERS

Where bank wire transfer is available, payment instructions will be provided through the appropriate checkout, order, invoice, or payment communication.

You are responsible for entering the payment instructions accurately when initiating a wire transfer.

Your bank or financial institution may charge wire transfer fees. Unless otherwise stated, these fees are the responsibility of the customer.

The full order amount shown in our payment instructions must be received by Bonnie’s Bags unless otherwise agreed in writing.

Orders paid by bank wire are not considered fully paid until the transferred funds have been received and confirmed.

Bank wire transfers may require additional processing time depending on the sending bank, intermediary banks, banking hours, weekends, holidays, or other banking procedures.

If we do not receive the required payment within a reasonable period, the order may be placed on hold or cancelled.

For your security, never send online banking passwords, PINs, security codes, or complete login credentials by email.

6. PAYMENT AUTHORIZATION

When you submit an order, your bank or payment provider may authorize the transaction before the payment is fully completed.

Payment authorization may confirm that:

  • The payment method is valid;
  • Sufficient funds or credit may be available; and
  • The transaction has passed the payment provider’s initial checks.

An authorization does not guarantee that the order will be accepted.

We may reject or cancel an order for legitimate reasons, including:

  • Payment authorization failure;
  • Failure of an ACH or bank transfer to settle;
  • Suspected fraud;
  • Unauthorized payment activity;
  • Incorrect billing information;
  • A technical or pricing error;
  • Stock unavailability;
  • Delivery restrictions; or
  • Misuse of a promotion or offer.

If an order is cancelled after payment has been collected, the applicable amount will be refunded in accordance with the original payment method and applicable banking or payment-provider procedures.

7. SECURE PAYMENT PROCESSING

Payment information is transmitted through secure encrypted connections where applicable.

Payments may be processed by Shopify, payment processors, card networks, banks, ACH networks, financial institutions, and other authorized payment service providers.

Bonnie’s Bags does not directly store complete credit or debit card numbers on its own servers.

Payment service providers use security measures designed to protect payment information and process transactions in accordance with applicable payment security standards, including PCI DSS requirements where applicable.

However, no electronic payment or internet transmission method can be guaranteed to be completely free from risk.

Customers are responsible for protecting their:

  • Account information;
  • Card details;
  • Bank account information;
  • Passwords;
  • Device access; and
  • Banking credentials.

8. BILLING INFORMATION

You must provide accurate, current, and complete billing information during checkout.

This may include:

  • Your full name;
  • Billing address;
  • ZIP or postal code;
  • Email address;
  • Telephone number; and
  • Payment information.

Your billing information should match the information registered with your bank, card issuer, or payment provider.

Incorrect or incomplete billing information may result in:

  • Payment rejection;
  • Additional verification;
  • Processing delays; or
  • Order cancellation.

9. FAILED OR REJECTED PAYMENTS

A payment may be rejected or unsuccessful for reasons including:

  • Insufficient funds;
  • Incorrect card or bank details;
  • An expired card;
  • An incorrect billing address;
  • Bank security restrictions;
  • Online or bank transfer restrictions;
  • A failed identity or security check;
  • A payment limit;
  • A returned or rejected ACH payment;
  • An incomplete bank wire transfer;
  • Suspected fraud;
  • Technical problems; or
  • Rejection by the bank or payment provider.

If your payment is unsuccessful, you may:

  • Check that the payment details are correct;
  • Confirm that the billing information matches your bank records;
  • Try another available payment method;
  • Contact your bank or card issuer; or
  • Contact our customer service team.

Bonnie’s Bags does not control payment decisions made by banks, card issuers, ACH providers, or other payment providers.

10. PAYMENT VERIFICATION AND FRAUD PREVENTION

Orders may be reviewed using automated or manual fraud-prevention measures.

We may request additional information to verify:

  • The identity of the customer;
  • The payment method;
  • The billing address;
  • The delivery address;
  • The source or authorization of a bank transfer; or
  • The authorization of the transaction.

We may delay, reject, or cancel an order where we reasonably suspect:

  • Fraud;
  • Identity theft;
  • Unauthorized card or bank account use;
  • Incorrect information;
  • Unusual payment activity; or
  • Misuse of the website or an offer.

Any additional information requested will be used only for legitimate payment, security, fraud-prevention, and order-processing purposes.

11. TEMPORARY AUTHORIZATION HOLDS

In some cases, your bank or card issuer may place a temporary authorization hold on your account.

A temporary authorization hold may appear even when:

  • The payment was unsuccessful;
  • The order was not completed;
  • The transaction was cancelled; or
  • The order was not accepted.

These holds are controlled by the bank or card issuer and are normally released according to its own processing schedule.

Bonnie’s Bags cannot directly remove or accelerate the release of a bank authorization hold.

Please contact your bank or card issuer for information about the release timeframe.

12. DUPLICATE OR PENDING TRANSACTIONS

A transaction may temporarily appear more than once or remain marked as pending because of bank processing or repeated payment attempts.

Before submitting payment again, confirm whether:

  • An order confirmation was received;
  • The order appears in your customer account;
  • The first payment remains pending; or
  • The payment was completed.

If you believe that you have been charged more than once for the same order, contact us with:

  • Your full name;
  • Order number;
  • Email address used for the order;
  • Transaction date; and
  • A screenshot showing the relevant transactions.

Do not send complete card numbers, bank account numbers, passwords, security codes, or online banking credentials by email.

13. PRODUCT PRICE AND SHIPPING CHARGES

Product prices and shipping charges are displayed separately.

During our Retirement Sale, eligible products may be offered at discounted prices, including discounts of up to 80%, as displayed on our website.

The applicable product price, shipping charge, taxes, discounts, and final order total will be displayed before payment is submitted.

By completing the purchase, you confirm that you have reviewed and accepted the displayed order total.

Further information about shipping charges and delivery is available in our Shipping Policy:

https://bonnies-bags.com/pages/shipping-policy

14. DISCOUNTS AND PROMOTIONAL OFFERS

Discounts, promotional codes, bundle offers, and quantity-based savings are subject to their displayed conditions.

Unless otherwise stated:

  • Only one promotional code may be used per order;
  • Discounts cannot be applied after an order has been completed;
  • Discounts have no cash value;
  • Expired offers cannot be applied;
  • Offers may be limited to selected products or quantities; and
  • Discounts may be withdrawn in cases of misuse or technical error.

The final amount displayed before payment is the amount applicable to the order.

15. REFUNDS

Approved refunds are generally issued to the original payment method used for the purchase.

For card payments and other electronic payment methods, it may take approximately 5–10 business days after a refund is issued for the funds to appear in your account.

The exact timeframe depends on your:

  • Bank;
  • Card issuer;
  • Payment provider; and
  • Payment method.

Refunds relating to ACH or bank wire payments may require additional banking information or processing steps where necessary to return funds through an appropriate method.

Bank processing times may vary.

Bonnie’s Bags cannot control the processing time of your bank or financial institution after a refund has been initiated.

Refund eligibility, deductions, original shipping charges, return fees, and other applicable conditions are described in our Return & Refund Policy:

https://bonnies-bags.com/pages/refund-return-policy

16. CHARGEBACKS AND PAYMENT DISPUTES

Please contact our customer service team before submitting a payment dispute or chargeback.

We will make reasonable efforts to investigate and resolve legitimate concerns involving:

  • Unauthorized payments;
  • Incorrect charges;
  • Missing orders;
  • Damaged products;
  • Refunds; or
  • Delivery issues.

Submitting a chargeback or payment dispute does not automatically cancel an order or replace the return and refund process.

Nothing in this section restricts your right to contact your bank or payment provider regarding a legitimate unauthorized transaction or unresolved payment dispute.

17. PAYMENT POLICY UPDATES

Bonnie’s Bags may update this Payment Policy from time to time.

Changes may be made to reflect:

  • New payment methods;
  • Changes to payment providers;
  • Security updates;
  • Changes to our website;
  • Changes to our business practices; or
  • Legal or regulatory requirements.

The updated policy will be published on this page with a revised “Last updated” date.

Changes will not normally alter payments or refunds already completed under an earlier version of this policy.

18. CONTACT INFORMATION

For questions concerning payments, declined transactions, bank transfers, duplicate charges, refunds, or order verification, please contact us:

Shop Name:
Bonnie’s Bags

Email:
info@bonnies-bags.com

Phone:
+1 (757) 817-2681 (USA)
+1 (902) 866-7507 (Canada)

Contact Form:
https://bonnies-bags.com/pages/contact

Customer Service Hours:

Monday–Friday: 11 AM–7 PM
Saturday: 11 AM–7 PM
Sunday: Closed

We aim to respond to customer inquiries within 24 business hours.