Credit Card

Credit Card FAQ

Yes, it’s advisable to authorize foreign transactions with your bank to prevent potential fraud or unauthorized charges. Many banks have security measures in place to protect their customers, and authorizing foreign transactions adds an extra layer of security by ensuring that you approve any purchases made outside your usual spending patterns or geographic locations.

Phone verification is a security measure used by payment processors and financial institutions to confirm the identity of the cardholder and validate transactions. When Payofix contacted you to verify a purchase by phone, they were likely following security protocols to ensure that the transaction was legitimate and authorized by you. Phone verification helps prevent fraudulent activity by confirming that the person making the purchase is the rightful owner of the payment method used.

If your bank has approved the transaction, you can proceed with your purchase or transaction as usual. Ensure that you keep a record of the transaction details, including the merchant’s name, transaction amount, and date, for your reference. If you encounter any issues or have questions about the transaction, you can contact your bank’s customer service for assistance. Additionally, monitor your account statements regularly to verify that the transaction appears correctly and to detect any unauthorized charges promptly.

  • Credit card payments can be declined for various reasons, including insufficient funds, exceeded credit limit, incorrect card details, or suspected fraudulent activity. To resolve this issue:
    • Check your available balance and ensure it covers the purchase amount.
    • Verify that you’ve entered the correct card number, expiration date, and CVV.
    • Contact your bank to confirm if there are any restrictions or holds on your card.
    • Consider using an alternative payment method or contacting the merchant for assistance.
  • If you haven’t received an order confirmation, it’s essential to check the status of your order to ensure it was processed successfully. Here’s what you can do:
    • Log in to your account on the merchant’s website and navigate to your order history or tracking section.
    • Look for any pending or processed orders associated with your account.
    • If you can’t find any information, contact the merchant’s customer service for assistance.
    • Provide relevant details such as order number, email address, or payment confirmation to expedite the inquiry process.
  • If you’re not satisfied with a purchase and plan to request a chargeback through your bank, you typically don’t need to dispute the transaction with your credit card company separately. Here’s what you should do:
    • Contact your bank and inform them of the situation, explaining why you’re requesting a chargeback.
    • Provide evidence or documentation to support your claim, such as order confirmation, correspondence with the merchant, or evidence of defective or undelivered goods.
    • Follow your bank’s procedures for initiating a chargeback request and provide any additional information they may require.
    • Be prepared to wait for the chargeback process to be completed, as it may take some time for the funds to be returned to your account.

Yes, we do accept prepaid or gift cards, including Walmart and Amazon gift cards. You can use these cards for your purchases on our website. Simply enter the card details during checkout to complete your transaction hassle-free.

Absolutely! We accept major credit cards such as Visa and MasterCard. You can use these cards to make payments for your orders with ease. Simply input your card details during checkout, and you’re all set to go.

Yes, it is completely safe to use your credit card on our website. We utilize advanced encryption and security measures to protect your personal and financial information. Your data is kept secure at all times, providing you with a safe and secure shopping experience.