Payment
Policy

Vadilla accepts a range of payment methods to serve our customers throughout the United States. All payments are processed securely at checkout through Shopify Payments and trusted third-party processors.

PayPal: Available to customers in the United States. You may check out as a PayPal guest using your credit or debit card without needing a PayPal account. PayPal buyer protection applies to eligible purchases per PayPal's own policies.

Every transaction on vadilla.com is protected by industry-leading security standards. We use Shopify Payments and certified third-party processors — your card details are handled exclusively by these certified systems and never touch our own servers.

SSL / TLS Encryption: All pages on vadilla.com are served over HTTPS with TLS 1.2+ encryption. All data transmitted between your browser and our servers is encrypted end-to-end.

PCI DSS Level 1: Shopify Payments holds PCI DSS Level 1 certification — the highest standard in the payment card industry.

3D Secure Authentication: We support 3D Secure (3DS) for card-not-present transactions where offered by your card network and issuer. When triggered, you may be redirected to your card issuer to verify your identity via Visa Secure, Mastercard Identity Check, or American Express SafeKey before the transaction is approved.

Fraud Detection: Our payment processor uses real-time machine learning fraud detection to screen every transaction. Some orders may require additional verification before fulfilment.

Vadilla serves customers throughout the United States. All prices are displayed and charged in US Dollars. The currency you see at checkout is the currency you will be charged in.

Currency — USD only: All prices shown are in USD, and your card or PayPal account will be charged in USD.

Foreign transaction fees: If your card is issued outside the United States or billed in a different currency, your bank or card issuer may apply a foreign transaction fee (typically 1–3% of the transaction amount). This fee is charged by your bank, not by Vadilla, and is outside our control.

Import duties & tariffs: All applicable U.S. import duties and tariffs on orders shipped from abroad are calculated and included in the displayed price at checkout. You will never be asked to pay additional customs charges on delivery.

Understanding how Vadilla handles payment authorization and capture helps set expectations for what you see on your bank statement between the time you order and when your order ships.

Authorization holds: For some orders, Vadilla pre-authorizes your card at checkout. A pre-authorization is a temporary hold that verifies your card is valid and has sufficient funds, without yet transferring the money. During this period, the amount may show as “pending” on your statement for 1–2 business days.

What “pending” means on your statement: If you see a pending charge after placing an order, this is the pre-authorization hold, not a completed charge. Once your order ships and we capture payment, the pending charge becomes a completed transaction.

If your payment fails at checkout, your order will not be confirmed and no charge will be applied. Below are the most common reasons for payment failure and the steps you can take to resolve the issue.

When a refund is issued by Vadilla, it is always returned to the original payment method used at checkout. We cannot refund to a different card, bank account, or payment method than the one used to place the order. Refund and return eligibility is governed by our Returns & Refunds Policy.

Refund method — original payment only: Refunds are always issued to the same card or PayPal account used when the order was placed. If your original card has been cancelled or replaced since the time of purchase, your bank will typically route the refund to your new card or account — contact your bank to confirm this.

Credit & Debit Cards (Visa, Mastercard, Maestro, American Express, UnionPay): 5–10 business days after Vadilla initiates the refund. The actual credit appearance on your statement may lag by 1–2 additional business days depending on your bank's posting cycle.

PayPal: 3–5 business days after Vadilla initiates the refund. Refunds are returned to your PayPal balance.

Vadilla is operated by LMTrade, registered in the Netherlands (KvK 94707278). Our payment processing complies with applicable Dutch law and with the consumer protection laws of the market we serve (the United States).

Payment disclosure: In compliance with applicable U.S. federal and state consumer protection law, including regulations enforced by the Federal Trade Commission (FTC), Vadilla discloses all payment terms clearly before checkout. You are shown the full order total — including any applicable taxes, duties, and shipping fees — before you confirm and pay. We do not use negative option billing or hidden auto-renewal programmes.

Your data rights: Under applicable U.S. state privacy laws (such as the California Consumer Privacy Act and similar laws in other states), you may have rights regarding your personal data, including payment-related data we collect. Payment data (card type, last four digits, transaction amount) is collected to process your order and is not sold to third parties. See our Privacy Policy for full details.

3D Secure — a voluntary fraud-prevention measure: Unlike the European Union, the United States does not currently mandate Strong Customer Authentication by law. Vadilla has nonetheless implemented 3D Secure authentication as an additional safeguard to protect customers from card-not-present fraud.

Chargeback policy: If you believe a charge is incorrect or unauthorised, please contact us at info@vadilla.com before initiating a chargeback with your bank. We maintain full order documentation including tracking records, payment confirmations, and fulfilment evidence. Most billing disputes can be resolved quickly and directly — a chargeback process typically takes 30–90 days and may negatively affect your account standing with your card issuer.

For any questions about a payment, charge, authorization hold, or billing matter, please contact us directly. We respond to all payment-related queries within one business day.