Payment Policy

Effective Date: February 21, 2025

At RawTopic, we strive to offer secure and convenient payment options for our customers. This Payment Policy outlines the accepted payment methods, transaction security, billing process, and related terms. By making a purchase on https://rawtopic.xyz/, you agree to comply with the following payment terms.

1. Accepted Payment Methods

We accept the following payment methods:

  • Credit/Debit Cards (Visa, MasterCard, American Express, Discover)
  • PayPal
  • Apple Pay & Google Pay
  • Buy Now, Pay Later (if available)
  • Store Gift Cards & Promotional Vouchers (if applicable)

All payments must be made in USD (United States Dollar) unless otherwise stated.

2. Payment Processing

  • Payments are processed immediately upon order placement.
  • You will receive an order confirmation email after successful payment.
  • If your payment fails, check with your bank or card provider before attempting another transaction.
  • Orders will not be processed until full payment is received.

3. Transaction Security

  • Our website uses SSL (Secure Socket Layer) encryption to ensure safe transactions.
  • RawTopic does not store your payment details. All payments are securely processed through trusted third-party providers.
  • If suspicious or unauthorized transactions are detected, we may cancel your order and contact you for verification.

4. Billing Information

  • Customers must provide accurate and up-to-date billing information.
  • If there is a discrepancy between your billing and shipping address, additional verification may be required.
  • RawTopic is not responsible for any fees or penalties due to incorrect billing details provided by the customer.

5. Taxes & Additional Charges

  • Sales tax may be applied based on your location and applicable laws.
  • International orders may be subject to customs duties, VAT, and import taxes, which are the responsibility of the customer.
  • RawTopic is not responsible for any additional bank fees, conversion charges, or international transaction fees imposed by your payment provider.

6. Payment Issues & Order Cancellations

  • If a payment issue occurs (e.g., declined transaction, insufficient funds), your order may be automatically canceled.
  • If you experience issues with payment, please contact your bank or email us at info@rawtopic.xyz.
  • We reserve the right to cancel any suspicious or fraudulent orders.

7. Refunds & Chargebacks

  • Refunds will be issued only as per our Refund and Return Policy.
  • Refunds are processed to the original payment method within 7-10 business days after approval.
  • Unauthorized chargebacks may result in account suspension or order refusal. If you believe a charge is incorrect, please contact us first.

8. Buy Now, Pay Later (If Available)

If we offer Buy Now, Pay Later (BNPL) options through providers such as Klarna, Afterpay, or Affirm, the following conditions apply:

  • The customer agrees to the terms and conditions of the BNPL provider.
  • Late fees or penalties are determined by the BNPL service, not RawTopic.
  • RawTopic is not responsible for any payment agreements made with third-party BNPL providers.

9. Payment Policy Updates

  • We reserve the right to update this Payment Policy at any time.
  • Changes will be posted on this page with the updated effective date.
  • Continued use of our website after policy changes implies acceptance of the revised terms.

10. Contact Information

For payment-related inquiries, please contact us:

RawTopic
📍 Address: 1671 Elk City Road, Indianapolis, Indiana
📞 Phone: 317-951-1431
📧 Email: info@rawtopic.xyz
🌐 Website: https://rawtopic.xyz/