Payment Policy
# Payment Policy
**Melt — Payment Methods & Billing**
Last Updated: 11/8/2026
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## How You Can Pay
We accept the following payment methods. Available options may vary slightly by country and are shown at checkout.
**Cards**
Visa · Mastercard · American Express · Discover
**Digital wallets**
Apple Pay · Google Pay · Shop Pay · PayPal
All prices are shown in the currency displayed at checkout. **The currency shown at checkout is the currency you will be charged in.** If your card is issued in a different currency, your bank may apply its own conversion rate and a foreign transaction fee — these are set by your bank, not by us.
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## Discreet Billing
We know this matters.
**Your card statement will not say "Melt" or mention the Product.** The billing descriptor is neutral and is displayed at checkout before you confirm your order, so you know exactly what will appear.
If you need to confirm what a charge on your statement relates to, email support@meltinbed.com with the amount and date and we'll identify it for you.
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## Security
- All transactions are encrypted in transit using TLS.
- Payment is processed by **PCI-DSS compliant third-party processors**. Your full card number never reaches our systems and we never store it.
- We do not have access to your CVV at any point.
- Our checkout runs fraud screening on every order.
You should never send card details to us by email. We will never ask you to.
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## When You Are Charged
Your payment method is authorized when you place your order and charged when the order is accepted. If we cannot fulfil your order, the authorization is released or the charge refunded in full.
**We do not offer subscriptions.** All orders are one-time purchases. You will never be charged again unless you place a new order yourself.
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## Declined Payments
If your payment is declined, the most common reasons are:
- Billing address doesn't match the address on file with your bank
- Card issuer blocking an international transaction (we are a US merchant)
- Insufficient funds or a card limit
- Expired card
Try again with the exact billing address your bank has on file. If it still fails, use a different card or a digital wallet, or contact your bank — they can usually approve it once you confirm the transaction is genuine. We cannot see why a bank declined a payment.
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## Taxes and Duties
Sales tax, VAT, or GST is applied where required and shown at checkout before you pay.
International orders may also incur import duties and customs fees charged by your country on arrival. These are separate from anything you pay us and are the recipient's responsibility. See our Shipping Policy.
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## Pricing Errors
If a Product is listed at an incorrect price due to a technical or human error, we reserve the right to cancel the order and refund you in full, even after the order is confirmed. We'll email you before doing so.
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## Refunds
Refunds are issued to the original payment method. Processing takes up to **10 business days** from approval; how quickly it appears afterwards depends on your bank. See our Refund Policy for full terms.
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## Disputes and Chargebacks
If something's wrong with your order, **email us first at support@meltinbed.com**. We answer within 3 business days and can usually resolve it faster than a bank dispute, which takes 30 to 90 days.
If you do file a chargeback, we will respond with order records, delivery confirmation, and correspondence.
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## Age Requirement
Our Products are for adults aged 18 or over. By submitting payment you confirm you are 18 or older and that you are authorized to use the payment method provided.
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## Contact
Email: **support@meltinbed.com**
**Melt**
PalmScale LLC
30 N Gould St Ste R
Sheridan, WY 82801
United States