Effective Date: April 1, 2026

At Luca Italian Leather, we are committed to providing a secure, reliable, and convenient checkout experience. All payments made through our website are processed using trusted payment providers and industry-standard security technologies to help protect your personal and financial information.

This Payment Policy should be read together with our Terms of Service, Refund & Return Policy, Order Cancellation Policy, and Privacy Policy.

1. Accepted Payment Methods

For your convenience, we accept a variety of secure payment methods, including:

• Visa
• Mastercard
• American Express
• Discover
• Shop Pay
• Apple Pay
• Google Pay
• PayPal (where available at checkout)

Available payment methods may vary depending on your location or device.

All orders must be paid in full before they are processed or shipped.

2. Payment Security

Your security is extremely important to us.

Our website is protected using SSL (Secure Socket Layer) encryption, and all payment transactions are processed through secure, PCI DSS-compliant payment providers.

For your protection:

• We do not store your complete credit or debit card information on our servers.
• Payment information is securely processed by our authorized payment partners.
• Sensitive payment data is encrypted throughout the checkout process.

Although we use commercially reasonable security measures, no method of electronic transmission or storage can be guaranteed to be completely secure.

3. Order Authorization & Payment

Submitting an order represents your offer to purchase our products.

Your selected payment method will be authorized and charged when your order is placed.

After successful payment authorization, you will receive an order confirmation email containing your purchase details.

If payment authorization fails or cannot be completed, your order will not be processed, and we may contact you to resolve the issue.

4. Pricing, Currency & Taxes

All prices displayed on our website are listed in United States Dollars (USD) unless otherwise stated.

If your payment card is issued outside the United States, your bank or card issuer may apply currency conversion or foreign transaction fees. These fees are determined solely by your financial institution.

Where applicable:

• Sales tax will be calculated during checkout based on your shipping destination.
• Shipping charges, if any, will be clearly displayed before payment is completed.

We reserve the right to modify pricing, promotions, or product availability without prior notice.

5. Billing Information

Customers are responsible for providing complete and accurate billing information during checkout.

Incorrect or incomplete billing details may result in:

• Payment authorization failures.
• Delayed order processing.
• Additional verification requests.
• Order cancellation.

To help prevent fraudulent transactions, we may request additional information to verify your identity or payment details before processing certain orders.

6. Pricing Errors

While we strive to ensure pricing accuracy, occasional typographical errors or system inaccuracies may occur.

We reserve the right to correct pricing errors, update product information, or cancel orders placed using incorrect pricing.

If your order is cancelled due to a pricing error after payment has been received, a full refund will be issued to your original payment method.

7. Refunds & Chargebacks

Approved refunds are processed according to our Refund & Return Policy.

• Refunds are issued to the original payment method used during purchase.
• Approved refunds are generally processed within 10 business days.
• Your bank or payment provider may require additional processing time before the refund appears in your account.

If you believe you have been charged incorrectly, we encourage you to contact our customer support team before initiating a chargeback. Most billing concerns can be resolved quickly through our support department.

8. Fraud Prevention

To protect our customers and maintain a secure shopping environment, Luca Italian Leather reserves the right to review any transaction that appears unusual or potentially fraudulent.

Where necessary, we may:

• Request additional identity verification.
• Delay shipment while verification is completed.
• Refuse or cancel suspicious orders.
• Contact you to confirm billing or shipping information.

If an order is cancelled for security reasons, any authorized payment will be refunded to the original payment method.

9. Governing Law & Policy Updates

This Payment Policy forms part of our Terms of Service and shall be governed by the laws of the State of Florida and the applicable laws of the United States.

We reserve the right to update or modify this Payment Policy at any time. Any changes become effective immediately upon publication on this page.

Contact Us

If you have any questions regarding this Payment Policy or experience any issues during checkout, please contact us.

Luca Italian Leather

Company Number: P16000003377

EIN: 81-1105246

Email: cs@lucaitalian.shop

Phone: +1 (727) 201-4054

Address: 100 2nd Ave NE, St. Petersburg, FL 33701, United States