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Payment and Billing Policy

Effective Date: 05/01/2025

Last Updated: 05/01/2025

At Reya Optical, we aim to provide a secure and transparent payment experience. Below are the details of our payment and billing policy.

Accepted Payment Methods

Healthcare Cards

  • • HSA (Health Savings Account) cards
  • • FSA (Flexible Spending Account) cards
  • • HRA (Health Reimbursement Account) cards
  • • Other healthcare spending cards

Traditional Payment Methods

  • • Visa
  • • MasterCard
  • • American Express
  • • Discover
  • • Debit cards

Payment Processing

Security and Processing

  • SSL Encryption: All payments are processed securely using SSL encryption
  • Stripe Integration: We use Stripe, a PCI-compliant payment processor
  • Authorization: By providing payment information, you confirm that you are authorized to use the payment method
  • Verification: We may verify payment information for security purposes

Billing Information

  • It is your responsibility to provide accurate and complete billing details
  • Billing address must match the address on file with your payment method
  • We will send billing confirmations to the email address provided
  • If billing errors occur, please contact us immediately at [email protected] to resolve the issue
  • We reserve the right to verify billing information before processing orders

Failed Payments

What Happens When Payments Fail

  • • In the event of a failed payment, your order may be delayed or canceled
  • • We will notify you promptly to resolve the issue
  • • Common causes include insufficient funds, expired cards, or incorrect billing information
  • • You may need to provide an alternative payment method
  • • We will not charge your card until payment is successfully processed

Payment Authorization

  • When you place an order, we will authorize your payment method for the total amount
  • Authorization is not a charge but reserves the funds for your order
  • Actual charges occur when your order is processed and shipped
  • Authorizations may appear as pending charges on your statement
  • Failed authorizations will result in order cancellation

Refunds and Credits

  • Refunds are processed to the original payment method
  • Processing time for refunds is typically 5-10 business days
  • HSA/FSA refunds may take longer due to healthcare account processing
  • You will receive an email confirmation when your refund is processed
  • Store credits may be issued for certain returns or exchanges

Healthcare Account Payments

Special Considerations for HSA/FSA

  • • HSA/FSA cards can only be used for eligible medical expenses
  • • Prescription products and certain eye care items are typically eligible
  • • Non-medical items (cosmetics, accessories) may not be eligible
  • • You are responsible for ensuring your purchases are eligible for your account
  • • Refunds to HSA/FSA accounts may require additional documentation

Currency and Pricing

  • All prices are listed in USD (United States Dollars)
  • Prices are subject to change without notice
  • Sales tax will be calculated based on your shipping address
  • Shipping costs are calculated separately and added to your total
  • We do not charge foreign transaction fees

Payment Security

  • We never store your complete payment information on our servers
  • Payment data is encrypted and processed securely by Stripe
  • We comply with PCI DSS standards for payment security
  • Regular security audits are conducted to protect your information
  • We monitor for suspicious activity and may contact you for verification

Billing Disputes

  • If you notice an incorrect charge, contact us immediately
  • We will investigate and resolve billing disputes promptly
  • Documentation may be required to resolve certain disputes
  • We will provide clear explanations for all charges
  • If you need to dispute a charge with your bank, contact us first

Contact Information

For any questions or concerns about payments and billing, please contact us at:

Reya Optical Customer Service

Email: [email protected]

Phone: 833-899-0238

Hours: Monday-Friday, 8:00 AM - 5:00 PM EST

This payment and billing policy is subject to change. Please check this page for the most current information.

For additional information, please review our Terms and Conditions and Privacy Policy.