Payment Policy

Last Updated: January 06, 2026 Brand Name: madycenter Operated by: Cogent LLC

At madycenter, we are committed to providing a secure, easy, and transparent checkout experience. We want you to feel completely confident when purchasing your next favorite book from us.

Here is an overview of how we handle payments, security, and billing.

1. Accepted Payment Methods

To make your shopping experience as smooth as possible, we partner with trusted global payment processors Stripe and PayPal.

• Credit and Debit Cards: We accept most major credit and debit cards including Visa, MasterCard, American Express, and Discover. These transactions are processed securely through Stripe.

• Digital Wallets: You can also choose to pay using PayPal. When you select this option at checkout, you will be redirected to the secure PayPal website to complete your purchase before returning to our store.

Note: At this time, we do not accept cash on delivery (COD), personal checks, money orders, or direct bank transfers.

2. Payment Security (SSL Encryption)

Your financial security is our top priority. We understand that entering your card details online requires trust.

• SSL Technology: Our entire website is encrypted using Secure Socket Layer (SSL) technology. You can verify this by looking for the small padlock icon in your browser’s address bar.

• No Card Storage: madycenter does not collect, view, or store your full credit card number or personal financial information. All transactions are handled directly by our payment partners (Stripe and PayPal), who adhere to the strictest banking security standards (PCI-DSS compliance).

3. When You Will Be Charged

• Immediate Capture: Payment is deducted from your card or PayPal balance at the very moment you place your order.

• Order Confirmation: Once the transaction is authorized and verified, you will receive an immediate order confirmation email. If a payment is declined by your bank or cannot be verified, the order will not be processed, and no items will be shipped.

4. Pricing, Currency, and Taxes

• Currency: All prices listed on our website are in US Dollars (USD).

• Sales Tax: We are required by law to collect sales tax on orders shipped to certain jurisdictions. This tax is calculated automatically at checkout based on your specific shipping address and state laws. You will see the exact tax amount clearly displayed before you click “Pay”.

• No Hidden Fees: We value honesty. The total price you see at checkout (Item Price + Shipping + Tax) is the final amount you pay. We do not charge any additional transaction fees.

5. Fraud Prevention

To protect our customers and our business from unauthorized activity, we reserve the right to review orders for potential fraud. If an order gets flagged by our security system (for example, if the billing address doesn’t match the card on file), we may reach out to you to verify your identity before shipping. If we cannot verify the order, we may cancel it and issue a full refund to the cardholder.

6. Billing Disputes & Refunds

• Refund Method: Any refunds processed (as per our Refund and Returns Policy) will be credited back to your original method of payment. We cannot issue refunds to a different card or bank account.

• Chargebacks: If you see a charge on your statement that you don’t recognize, please contact our support team immediately. We are here to help resolve any confusion quickly and fairly without the need for a lengthy banking dispute process.