Payment Security Policy

Payment Security Policy – Zenith Soles

Last Updated: 22 October 2025

At Zenith Soles, your payment safety is our top priority.
We use industry-leading encryption and verified payment gateways to ensure that every transaction on our website is secure, private, and compliant with all U.S. financial regulations.

This policy explains how we protect your payment information and what you can expect when making a purchase through www.zenithsoles.shop.

1. Accepted Payment Methods

We currently accept the following secure payment options:

  • Credit/Debit Cards: Visa, Mastercard, American Express, Discover

  • PayPal: including Pay Later and PayPal Credit (subject to approval)

  • Shopify Payments / Stripe: integrated for secure checkout

  • Other trusted methods: Apple Pay, Google Pay (when available)

All available payment methods are clearly displayed during checkout.

2. Secure Payment Processing

All transactions are handled by PCI DSS Level 1 certified payment processors — the highest standard in the payment industry.

  • Stripe and Shopify Payments process all card transactions securely via tokenization and end-to-end encryption.

  • PayPal transactions are processed directly through PayPal Inc., a U.S. financial institution regulated under federal banking and privacy laws.

We never store or have access to full credit/debit card details such as your CVV code.

3. Encryption & Data Protection

Our website is protected by SSL (Secure Socket Layer) encryption, indicated by the “🔒” icon and “https://” prefix in your browser bar.
This ensures all sensitive information (such as login credentials and payment details) is encrypted before transmission.

All payment data transmitted through our checkout is:

  • Encrypted using AES-256-bit security protocols.

  • Stored only by Stripe or PayPal under strict PCI DSS compliance.

  • Never shared or sold to any third party.

4. Fraud Prevention

To maintain a safe online shopping environment, we use multiple layers of fraud detection, including:

  • 3D Secure Authentication (Verified by Visa / Mastercard SecureCode).

  • Address Verification System (AVS) for U.S. billing addresses.

  • Real-time fraud scoring provided by Stripe Radar and PayPal Fraud Protection.

If a transaction appears suspicious or unauthorized, our system may:

  • Request additional identity verification.

  • Cancel the order and issue an immediate refund.

  • Notify the customer and relevant financial institution.

5. Refund & Dispute Handling

Refunds are always processed through the same payment method used at checkout.

  • Refunds typically take 5–10 business days to appear, depending on the provider.

  • In the event of a dispute, we cooperate directly with PayPal and Stripe’s Resolution Centers to ensure a fast and fair resolution.

💡 This process meets all PayPal Seller Protection and Stripe Dispute Management requirements.

6. Customer Responsibilities

For your own safety, we recommend that you:

  • Shop only from secure networks (avoid public Wi-Fi).

  • Keep your browser and antivirus software updated.

  • Never share your card details or PayPal credentials by email.

  • Report any unauthorized transactions immediately to both your bank and Support@zenithsoles.shop.

7. Legal & Regulatory Compliance

All payment activities conducted by Zenith Soles comply with:

  • PCI DSS v4.0 (Payment Card Industry Data Security Standard)

  • U.S. Electronic Fund Transfer Act (EFTA)

  • Federal Trade Commission (FTC) eCommerce Security Guidelines

  • Stripe and PayPal Seller Protection Programs

  • Consumer Financial Protection Bureau (CFPB) Regulation E

8. Contact Information

For payment-related questions or concerns, please contact:
📧 Support@zenithsoles.shop
🕓 Monday – Friday, 9:00 am – 6:00 pm (EST)