Payment Policy

Effective Date: January 1, 2026

1. Introduction

At The Nomads Essentials, we highly value your safety and convenience. We offer a variety of secure and flexible payment options to make your shopping experience seamless.

2. Accepted Payment Methods

2.1 Credit and Debit Cards

We accept all major credit and debit cards:
- Visa
- Mastercard
- American Express
- Discover
- Diners Club

How It Works:
Step 1: Select your preferred card option at checkout.
Step 2: Enter your card details, including the card number, expiration date, and CVV code.
Step 3: Your payment will be securely processed through our encrypted payment gateway.
Step 4: Once approved, you will receive an order confirmation via email.

2.2 Alternative Payment Methods

We also accept the following secure and convenient digital payment options:
- Shop Pay
- Apple Pay
- Google Pay
- Amazon Pay

2.3 Affirm Installment Financing

We partner with Affirm to offer flexible installment payment plans at checkout.

How It Works:
Affirm allows you to split your purchase into smaller, manageable payments without hidden fees. When you select Affirm at checkout, you'll see your payment plan upfront before you complete the purchase.

Available Payment Plans:
- 3-month installment plan
- 6-month installment plan
- 12-month installment plan
- Flexible payment options (exact terms displayed at checkout)

Interest Rates:
Affirm offers 0% APR financing on qualifying purchases. Some purchases may have interest rates ranging from 10-36% APR, depending on your creditworthiness and the loan term selected. Affirm will clearly display the APR and total cost of financing before you confirm your purchase.

Eligible Products:
Affirm financing is available on most products in our store. Some high-value items may have minimum purchase amounts required for financing eligibility. The Affirm payment option will be available at checkout only for qualifying purchases.

How to Apply:
1. Add items to your cart
2. Proceed to checkout
3. Select Affirm as your payment method
4. Enter your information (Affirm will perform a soft credit check)
5. Select your preferred payment plan
6. Review the total cost and confirm

Approval Information:
Affirm provides instant approval decisions in most cases. Approval is subject to credit review and is not guaranteed. If approved, you'll see your personalized payment plan at checkout.

Full Terms and Conditions:
For complete details about Affirm financing, including fees, terms, and conditions, please visit: https://www.affirm.com/

Customer Support:
For questions about Affirm financing:
- Website: www.affirm.com
- Phone: 1-844-587-1344
- Email: support@affirm.com

Restrictions:
Affirm financing may not be available for certain product categories, international orders, or orders shipping outside the United States. Affirm eligibility is determined at checkout.

2.4 Shop Pay Installments

We offer Shop Pay Installments, allowing you to split your purchase into four equal payments.

How It Works:
Shop Pay Installments lets you pay for your purchase in 4 equal installments, due every 2 weeks, with no interest or hidden fees.

Payment Schedule:
- 4 equal payments
- Payment due every 2 weeks
- 0% interest and no fees
- First payment due at checkout

Eligible Products:
Shop Pay Installments is available on most products in our store with a minimum order value. Not all products or order types may qualify for installments. Eligibility will be shown at checkout.

How to Apply:
1. Add items to your cart
2. Proceed to checkout
3. Select Shop Pay as your payment method
4. Choose "Pay in 4" option
5. Confirm your payment plan
6. Complete checkout

Approval Information:
Shop Pay Installments uses Shopify Payments and Shop Capital to provide instant approval. A soft credit check is performed during checkout. Approval is not guaranteed and subject to verification.

Full Terms and Conditions:
For complete details about Shop Pay Installments, including terms and conditions, please visit: https://shop.app/

Customer Support:
For questions about Shop Pay Installments:
- Visit: https://shop.app/
- Contact Shopify Support for assistance

Restrictions:
Shop Pay Installments is only available:
- With a valid Shop account
- For orders shipping to the United States
- On orders meeting the minimum purchase amount
- For first-time and returning customers who meet verification requirements

3. Security and Data Protection

Your security is our highest priority. All transactions are encrypted and processed through secure payment gateways.

SSL Encryption:
Our website uses Secure Socket Layer (SSL) encryption to protect your personal and financial information.

PCI Compliance:
Our payment processors are Payment Card Industry Data Security Standard (PCI DSS) compliant.

Privacy Policy:
Please refer to our Privacy Policy for detailed information on how we handle your data.

4. Payment Confirmation

After completing your payment, you will receive:
- Order Confirmation: An email containing your order details and confirmation.
- Receipt: A digital receipt for your records.

If you do not receive a confirmation email within 1 hour, please check your spam folder or contact us.

5. Currency and Processing

All transactions are processed in USD (United States Dollars). If your bank account is in a different currency, your bank will handle the currency conversion.

6. Customer Support

If you encounter any issues or have questions about your payment, please do not hesitate to contact us:

Email: support@thenomadsessentials.com
Phone: (914) 863-5568
Address: 8 The Green STE, Dover, Delaware, 19901

Hours of Operation: Monday to Friday, 9 AM to 5 PM EST (Eastern Standard Time)

7. Fraud Prevention

To protect our customers and maintain a secure shopping environment:

Verification:
We may perform verification checks and request additional information before accepting an order.

Suspicious Activity:
Orders suspected of fraud or unauthorized activity will be investigated, and appropriate action will be taken.

8. Terms and Conditions

By making a purchase on The Nomads Essentials, you agree to our Terms and Conditions and Refund and Returns Policy.

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