Payment Methods

Secure Payment Methods at HANICORA LLC

I. Introduction: Your Security, Our Priority

At HANICORA LLC, we understand that the foundation of any successful online transaction is trust. This trust is built not only on the quality of our products but also on the security, convenience, and transparency of our payment process. We have meticulously designed our checkout experience to be as seamless and reassuring as possible, ensuring that your focus remains on the excitement of your purchase, not on concerns about payment safety.

This page provides a comprehensive, detailed overview of all payment methods accepted at hanicora.shop, the robust security protocols protecting your financial data, and the technology partners we have chosen to guarantee a transaction experience that is both modern and impeccably secure. Our commitment is to offer a variety of trusted payment options to accommodate your preferences while upholding the highest standards of data protection and financial integrity.

II. Our Primary Payment Gateway: Powered by Stripe

HANICORA LLC exclusively uses Stripe as our primary payment processing partner. This strategic decision is central to our promise of security and professionalism. Stripe is a globally recognized, PCI-DSS Level 1 certified payment infrastructure provider used by millions of businesses, from ambitious startups to Fortune 500 companies like Amazon and Shopify.

Why We Trust and Use Stripe:

  • Unrivaled Security Compliance: Stripe is certified to the highest level of PCI-DSS (Payment Card Industry Data Security Standard). This means they adhere to the most stringent security measures required by the card brands, ensuring that sensitive payment data is handled with utmost care.

  • Advanced Fraud Prevention: Stripe employs machine learning algorithms that analyze hundreds of signals in real-time to detect and prevent fraudulent transactions, protecting both you and our business.

  • Global Reach & Currency Support: Stripe allows us to accept payments from customers in over 135 countries and settle in dozens of currencies, making our international checkout process smooth and localized.

  • Seamless Developer Integration: Their best-in-class APIs allow for a frictionless, embedded checkout experience on our site. You never feel redirected to a third-party page, maintaining the premium feel of the HANICORA brand throughout your journey.

  • Transparent Pricing & Reliability: With clear pricing and 99.99%+ uptime, Stripe provides the reliable backbone necessary for our business operations, ensuring your payment is processed without interruption.

How Stripe Protects Your Data: A Technical Overview

When you pay on hanicora.shop, your sensitive card details never touch our servers. This is a fundamental security principle. Here is the process:

  1. Tokenization: At checkout, your payment information is securely entered into a payment form hosted by Stripe (though it appears seamlessly as part of our site). Stripe instantly converts your card number into a unique, random string of characters called a “token.”

  2. Secure Transmission: This token, not your actual card details, is sent from your browser to our server.

  3. Authorization Request: Our server sends this token to Stripe’s systems to request payment authorization from your bank.

  4. Secure Vaulting: If you choose to save your card for future purchases, Stripe stores the encrypted data in their secure, certified data centers. We only store a reference to this “customer” within Stripe, never the raw card data.

This method ensures that even in the highly unlikely event of a data breach on our site, your primary financial information remains completely safe with Stripe.

III. Detailed Breakdown of Accepted Payment Methods

We offer a suite of payment options to provide maximum flexibility. Below is a detailed explanation of each.

A. Credit and Debit Cards (Processed via Stripe)

We accept all major credit and debit cards from issuers worldwide.

  • Accepted Networks:

    • Visa (Credit, Debit, Prepaid)

    • Mastercard (Credit, Debit, Prepaid)

    • American Express (Amex)

    • Discover

    • JCB

    • Diners Club

  • Checkout Process:

    • You will enter your card number, expiration date, CVC (Card Verification Code), and billing ZIP/postal code.

    • Stripe performs real-time validation (e.g., checking card number format) and may trigger 3D Secure authentication (see below).

    • Authorization is typically instantaneous. You will receive an order confirmation from us immediately upon successful payment.

  • 3D Secure (3DS) Authentication:

    • This is an additional security layer mandated in many regions (like Europe’s SCA – Strong Customer Authentication). If your bank or card issuer requires it, you will be gently redirected to their authentication page during checkout. This may involve:

      • Entering a one-time password (OTP) sent via SMS.

      • Approving the transaction via your bank’s mobile app.

      • Using biometric verification (fingerprint/face ID).

    • This process is managed entirely by your bank and is a critical anti-fraud measure. Please follow the prompts carefully. If you encounter issues with 3DS, you must contact your card issuer directly.

B. Digital Wallets: Apple Pay & Google Pay

For supported devices and browsers, we offer express checkout through the leading digital wallets, providing the ultimate in speed and security.

  • Apple Pay:

    • Availability: On Safari browser on macOS and iOS devices (iPhone, iPad, Mac).

    • Benefits:

      • Ultra-Fast: Checkout with a single touch using Face ID, Touch ID, or your device passcode.

      • Private: Apple does not store or have access to your original card numbers. A unique “Device Account Number” is used for transactions.

      • Secure: Each transaction is authorized with a one-time unique dynamic security code.

    • How to Use: Look for the Apple Pay button at checkout. Ensure your card is loaded in your device’s Wallet app.

  • Google Pay:

    • Availability: On Chrome browser and Android devices.

    • Benefits:

      • Convenient: Store multiple payment methods and shipping addresses.

      • Secure: Uses tokenization and your device’s screen lock for verification.

      • Fast: Select and pay in just a few clicks.

    • How to Use: Look for the Google Pay button at checkout. Ensure your card is saved to your Google account.

Security Note for Digital Wallets: When you use Apple Pay or Google Pay, you are leveraging the built-in, hardware-level security of your personal device (biometrics, passcodes). The merchant (us) receives only the payment token, adding an extra layer of anonymity and protection.

C. Link by Stripe (Streamlined Checkout)

Link is Stripe’s revolutionary “remember me” service designed to accelerate checkout for returning customers across millions of online businesses.

  • How It Works:

    1. On your first purchase with a card, Stripe may ask if you’d like to save your details with Link.

    2. If you consent, your email, address, and payment method are securely stored in your Link account.

    3. On your next visit to any website using Stripe and Link (not just HANICORA), you can autofill your entire checkout form with just your email address and a one-time confirmation code.

  • Benefits: Eliminates the need to re-enter shipping and payment details, dramatically speeding up repeat purchases while keeping your data under your control within Stripe’s ecosystem.

IV. Transaction Security & Fraud Prevention Protocols

Our security is multi-layered, extending beyond our partnership with Stripe.

  • Website Security (SSL/TLS Encryption): Our entire website, hanicora.shop, is secured with a 256-bit SSL (Secure Sockets Layer) certificate. You will see https:// and a padlock icon in your browser’s address bar, indicating that all data transmitted between your browser and our server is encrypted and cannot be intercepted.

  • Stripe Radar: This is Stripe’s proprietary, machine-learning-powered fraud prevention tool. It automatically screens every transaction for suspicious patterns, blocking high-risk ones before they are processed. This system learns and adapts continuously, offering superior protection.

  • Order Verification Procedures: For certain transactions flagged by our system or Stripe’s Radar (e.g., very large orders, mismatched billing/shipping countries, rapid multiple orders), our team may perform manual verification. This could involve a request for additional information via email to confirm the legitimacy of the purchase. This step is solely to protect you from unauthorized use of your payment method.

V. Currency, Pricing, and Taxes

  • Display Currency: All prices on hanicora.shop are displayed in United States Dollars (USD) unless otherwise selected through a future geo-location feature.

  • Dynamic Currency Conversion (DCC): If your card is issued in a different currency (e.g., Euros), the final charge will be converted by your card-issuing bank at their exchange rate. We do not control this rate or any associated foreign transaction fees. We recommend checking with your bank regarding any such fees before making an international purchase.

  • Sales Tax: For orders shipped to addresses within the United States, applicable state and local sales tax will be calculated and added to your order total at checkout based on the destination address, in compliance with US tax laws.

  • International Duties & Customs: For orders shipped outside the United States, any import duties, taxes (like VAT or GST), and customs clearance fees are the sole responsibility of the recipient. These are levied by the destination country’s government and are not included in our product prices or shipping charges. We cannot predict or control these charges. Please contact your local customs office for information on potential fees.

VI. Payment Authorization, Capturing Funds, and Refunds

  • Authorization vs. Capture: When you place an order, Stripe requests an authorization from your bank. This is a temporary hold on the funds to ensure they are available. The funds are captured (actually transferred to us) only when your order is processed and prepared for shipping. The time between authorization and capture is typically 1-2 business days.

  • Pending Charges: You may see a “pending” charge on your account statement immediately after ordering. This is the authorization hold. It will disappear if the order is canceled before shipment or be replaced by the final charge upon capture.

  • Refund Process: All refunds are processed back to the original payment method used for the purchase. Once initiated by us, the timing for the funds to reappear in your account depends on your bank or card issuer’s policies, but typically takes 5-10 business days. Stripe facilitates fast and reliable refund issuance on our end.

VII. Troubleshooting Common Payment Issues

Even with robust systems, occasional issues can arise. Here are solutions to common problems:

  • “Your card was declined.”

    • Cause 1: Insufficient funds or credit limit reached.

    • Cause 2: Bank’s fraud protection triggered the decline due to unusual activity (common for first-time international purchases).

    • Cause 3: Incorrect card details entered (number, expiry, CVC, or ZIP).

    • Solution: First, double-check all entered details. Then, contact your card issuer/bank directly to authorize the transaction and ensure there are no blocks on your card for international/online purchases.

  • 3D Secure Authentication Failed.

    • Solution: This is managed by your bank. Ensure your mobile number is updated with the bank for OTPs. Try using the bank’s app for approval. If problems persist, call your bank’s customer service.

  • “Payment not completed” but funds are held.

    • Explanation: This is likely a temporary authorization hold. If the order did not finalize, these holds automatically expire/reverse based on your bank’s timeline (usually within 3-7 business days). We cannot accelerate this reversal, as it is controlled by your bank.

  • Digital Wallet (Apple/Google Pay) not showing as an option.

    • Solution: Ensure you are using a supported browser/device, are logged into your Apple/Google account, and have a card set up in your digital wallet. Clear your browser cache or try a different browser.

VIII. Our Commitment to Financial Privacy

We are committed to protecting your financial privacy. Our data handling practices are governed by our comprehensive Privacy Policy. In relation to payments:

  • We do not store full credit card numbers on our servers.

  • We only retain necessary transaction data (last 4 digits of card, transaction ID, amount) for accounting, customer service, and legal compliance purposes.

  • All financial data processed by Stripe is subject to their strict privacy policy, which you can review on Stripe’s website.

IX. For Your Peace of Mind: Disputes and Chargebacks

We strive to resolve any issue before it escalates to a formal dispute. If you have a problem with your order, please contact our Customer Support team immediately at support@hanicora.shop. We are committed to finding a fair resolution through our Refund and Return Policy.

A chargeback (disputing a charge directly with your bank) should be a last resort. It initiates a formal, costly process for both parties. We actively collaborate with Stripe to provide evidence to your bank in the event of an invalid dispute. We encourage open communication with us first to resolve any dissatisfaction amicably and efficiently.

X. Future Payment Methods

We continuously evaluate new payment technologies and regional preferences to better serve our global community. We are actively exploring adding methods such as Shop Pay, PayPal, and regional “Buy Now, Pay Later” (BNPL) options where there is clear customer demand and partner reliability. Updates on new payment methods will be announced on our website and social media channels.

XI. Final Assurance

Your trust is the currency we value most. By investing in industry-leading partners like Stripe and implementing a multi-faceted security strategy, we ensure that your payment experience at HANICORA is not only convenient but also fortified with the highest levels of protection available in e-commerce today.

Shop with confidence, celebrate with creativity.

The HANICORA Team