Last updated: August 24, 2026
At Hoch Jackets, we want your payment experience to be as smooth and secure as your shopping experience. This Payment Policy explains the payment methods we accept, the currency used on our website, how transactions are processed, and what customers should do if a payment-related issue occurs during checkout.
By placing an order through our website, the customer agrees to the prices, payment terms, shipping charges, taxes, and other applicable costs displayed before submitting the order.
1. Currency
All product prices, shipping charges, discounts, taxes, and order totals on our United States store are displayed and processed in United States Dollars (USD) unless another currency is expressly displayed during checkout.
Customers using a card or payment account issued in another country may be charged currency-conversion fees, foreign-transaction fees, or exchange-rate adjustments by their own bank or card issuer. These charges are not collected or retained by Hoch Jackets.
The final amount submitted to Hoch Jackets will be the amount displayed on the checkout page before the customer confirms payment.
2. Accepted Payment Methods
We accept the secure payment methods displayed and available at checkout. Depending on the customer's location, device, and payment-provider eligibility, accepted methods may include:
Debit Cards
- Visa Debit
- Mastercard Debit
Credit Cards
- Visa Credit
- Mastercard Credit
- American Express
- Discover
- Diners Club
Digital Wallets
- Apple Pay
- Google Pay
- Shop Pay
- PayPal
A payment method is considered accepted only when it is shown as an available option on the checkout page. Logos or methods not active at checkout should not be considered available.
We do not accept: Cash on Delivery (COD), UnionPay, or any payment method not listed above or shown as active at checkout.
3. How Payment Is Processed
Payments are processed securely through Shopify's checkout system and our enabled payment providers, over an encrypted HTTPS connection.
During checkout, customers will be asked to enter:
- Card number
- Cardholder name
- Expiration date
- CVV (card security code)
- Billing address
Hoch Jackets does not directly receive or store customers' complete card numbers or CVV codes on its own servers — this information is processed securely by Shopify and the applicable payment provider.
Each transaction is submitted for authorization in real time and may be approved, declined, pending, or subject to additional verification. An order is not considered fully paid until the payment provider confirms successful authorization.
4. Payment Confirmation
After a successful payment, the customer will receive an order-confirmation email including the order number, products purchased, billing/shipping details, prices, shipping charges, taxes, total amount, and payment method (shown in masked form).
If a confirmation email is not received, customers should check their spam folder, confirm the email entered at checkout was correct, check their payment account, and contact our support team if needed.
5. Failed Payments
A payment may fail or be declined for reasons controlled by the customer's bank or card issuer. If this happens, customers should:
- Confirm the card number, expiration date, CVV, and billing address are correct
- Confirm sufficient funds or credit are available
- Confirm the billing address matches the one registered with the card issuer
- Try again or use another payment method displayed at checkout
- Contact their bank if the issue continues
A failed payment does not create a completed order.
6. Double Charges or Pending Payments
Occasionally a customer may see more than one transaction or a pending charge. This is often a temporary authorization hold from the bank, not a completed duplicate charge. Failed attempts typically release automatically within a few business days, depending on the bank.
If you believe you were charged twice, contact us with your order number, transaction date, amount, and a screenshot with sensitive details hidden. If we confirm a genuine duplicate charge, we will refund the verified amount to your original payment method.
7. Security and Fraud Prevention
Orders may be reviewed for potential fraud, unauthorized activity, or inaccurate information. We may request additional verification, including confirmation of name, billing/shipping address, or order details, before processing or shipping.
Customers should never send a complete card number or CVV by email. We may place an order on hold or cancel it if payment cannot be verified or fraud is suspected. An eligible refund will be issued for any cancelled paid order.
8. No Hidden Fees
Hoch Jackets does not add hidden payment-processing fees. Before submitting payment, the checkout page displays the product subtotal, discounts, shipping charges, applicable taxes, and final total.
External fees such as foreign-transaction or currency-conversion charges are determined by the customer's bank and are outside our control — we cannot refund fees we did not collect.
9. Discount Codes
Discount codes must be entered at checkout before payment. Unless stated otherwise, only one code may be used per order, discounts cannot be applied after checkout or exchanged for cash, and expired or invalid codes will not be accepted.
10. Refunds and Cancellations
Approved refunds are issued to the original payment method. Please see our Return & Refund Policy for full eligibility details and processing timeframes. Hoch Jackets does not control how long a bank takes to post a refund once initiated.
11. Need Payment Help?
For failed payments, double charges, pending authorizations, or other payment issues, contact our support team:
Business Name: Hoch Jackets
Business Hours: Monday to Friday, 9:00 AM – 5:00 PM (Eastern Time)
Phone: +1 (786) 250-0524
Email: business@hochjackets.online
Address: 7901 4th St N, Ste 300, St. Petersburg, FL 33702, United States
Please include your full name, order number, email used at checkout, transaction date and amount, and a brief description of the issue. For your security, never send complete card numbers, CVV codes, or banking passwords by email.
12. Changes to This Policy
We may update this Payment Policy to reflect changes in available payment methods, Shopify checkout functionality, or legal requirements. The updated policy will be published on this page with a revised "Last updated" date.
By completing checkout and submitting payment, the customer confirms they are authorized to use the selected payment method and agree to this Payment Policy.