Payment Methods

Effective Date: August 7, 2026

This Payment Methods Policy explains the payment methods, payment processing procedures, and payment-related terms applicable to purchases made with PhotoMania Embrun, both online and in-store.

By placing an order or completing a purchase, the customer agrees to the terms outlined in this policy.

1. Accepted Payment Methods

PhotoMania Embrun accepts payment methods that are available through our store and supported payment platforms, which may include:

Visa

Mastercard

Debit cards

Interac Debit - in-store

Interac e-Transfer - for eligible transactions

Shop Pay

Other payment methods made available through our Shopify checkout or authorized payment providers

The payment methods available at checkout may vary depending on the type of transaction, order value, and payment provider.

PhotoMania reserves the right to limit or restrict certain payment methods for specific transactions where reasonably necessary.

2. Online Payment Processing

Online payments are securely processed through Shopify, Shopify Payments, and/or their authorized payment service providers.

When placing an online order, the customer's payment must be successfully authorized before the order can be confirmed and processed.

A payment may be declined, delayed, or reversed by the customer's bank, card issuer, or payment provider.

PhotoMania is not responsible for payment decisions or processing issues originating from a customer's financial institution or third-party payment provider.

3. Payment Authorization

All transactions are subject to authorization by the applicable payment provider or financial institution.

PhotoMania may decline, hold, or cancel an order where:

payment cannot be successfully authorized;

payment information appears incomplete or inaccurate;

the transaction presents a reasonable security or fraud concern;

the customer cannot be reasonably verified when verification is required; or

payment is not received within the applicable timeframe.

An order is not considered fully confirmed until the required payment has been successfully authorized or received.

4. Payment Security and Fraud Prevention

PhotoMania takes payment security seriously.

We may review transactions when there are reasonable indications of fraud, unauthorized use, or unusual activity.

Where appropriate, PhotoMania may:

request additional information to verify a transaction;

temporarily place an order on hold;

decline or cancel a transaction;

contact the customer to confirm order details; or

cooperate with payment processors, financial institutions, or appropriate authorities where required or permitted by law.

PhotoMania does not knowingly accept payments made using unauthorized or fraudulent payment methods.

5. Customer Responsibility

Customers are responsible for ensuring that:

the payment information provided is accurate;

the payment method belongs to them or is authorized for their use;

sufficient funds or available credit are available;

billing information is accurate where required; and

order details are reviewed before payment is completed.

PhotoMania is not responsible for delays or failed transactions resulting from incorrect information supplied by the customer or restrictions imposed by the customer's financial institution.

6. Interac e-Transfer

Interac e-Transfer may be accepted for eligible transactions at PhotoMania's discretion.

When an e-Transfer is approved:

payment instructions will be provided directly by PhotoMania;

orders requiring payment in advance will not be processed until the funds have been received and confirmed;

customers are responsible for entering the correct transfer information; and

processing times may vary depending on the customer's financial institution.

PhotoMania is not responsible for delays caused by incorrect transfer information, banking restrictions, or delays within the Interac or financial institution network.

Please do not send an Interac e-Transfer unless PhotoMania has provided payment instructions for your specific transaction.

7. Payment at Store Pickup

Where available, PhotoMania may allow customers to pay when picking up an order.

This option may be limited based on:

the type of product;

whether the order is personalized;

order value;

production requirements; or

other reasonable business considerations.

If payment is required before production, the order will not enter production until payment has been successfully received.

The availability of payment at pickup does not guarantee that an order will be held or produced unless the order has been confirmed by PhotoMania.

8. Personalized and Custom Orders

Certain PhotoMania products are made specifically according to customer-provided photos, text, specifications, or other personalization.

For these orders, payment may be required before production begins.

Once production has started, cancellation and refund eligibility is subject to our Order Cancellation Policy and Return & Refund Policy.

Customers are encouraged to carefully review their selections and submitted information before completing payment.

9. Payment Disputes and Chargebacks

If you have a question or concern about a payment, order, or transaction, we encourage you to contact PhotoMania directly before initiating a payment dispute or chargeback so that we can investigate and attempt to resolve the issue.

If a chargeback or payment dispute is initiated, PhotoMania may provide the payment processor or financial institution with relevant transaction information, which may include:

order information;

payment records;

customer communications;

order confirmation;

production records;

pickup records; and

other documentation relevant to the transaction.

PhotoMania reserves all rights and remedies available under applicable law in relation to fraudulent, unauthorized, or abusive payment activity.

Nothing in this section limits any rights a customer may have to dispute a transaction through their financial institution or payment provider.

10. Payment Information and Data Protection

PhotoMania does not require customers to provide or directly store full credit card numbers on our website.

Online payment information is processed through Shopify and its authorized payment providers using their applicable security and payment-processing infrastructure.

PhotoMania does not have access to complete credit card information submitted through the secure payment processing system.

For additional information regarding how personal information is handled, please refer to our Privacy Policy.

11. Payment Processing Errors

If a payment appears to have been processed incorrectly, duplicated, or otherwise charged in error, please contact PhotoMania as soon as possible.

We will review the transaction and, where an error attributable to PhotoMania is confirmed, take appropriate steps to correct it.

12. Refunds

Approved refunds are handled in accordance with our Return & Refund Policy.

Where applicable, refunds will generally be issued to the original payment method.

The time required for a refund to appear in a customer's account may depend on the customer's bank, card issuer, or payment provider.

13. Changes to Payment Methods

PhotoMania may add, remove, or modify available payment methods from time to time.

The payment methods available at the time of purchase will be displayed in-store or during the online checkout process.

14. Policy Updates

PhotoMania Embrun may update this Payment Methods Policy from time to time to reflect changes to our payment options, payment providers, business practices, or applicable requirements.

The updated version will be published on this page with the revised effective date.