Payment Methods Policy — amtiot.com

Last Updated: October 2025

At amtiot.com we are committed to providing a secure, fast, and convenient checkout experience. This Payment Methods Policy explains accepted payment options, how transactions are processed, and the measures we use to safeguard your financial information. This policy applies to all purchases made on amtiot.com and aligns with our Terms & Conditions, Privacy Policy, Return & Refund Policy, and Shipping Policy.

1. Accepted Payment Methods

We offer multiple secure payment options to ensure a smooth purchasing experience.

1.1 Credit & Debit Cards

We accept all major card providers, including:

• Visa
• MasterCard
• American Express
• Discover
• JCB
• Diners Club

All card transactions are encrypted and processed through PCI-DSS–compliant payment gateways.

1.2 Digital Wallets

For faster checkout we support:

• Apple Pay
• Google Pay
• Shop Pay
• PayPal

1.3 Buy Now, Pay Later (BNPL)

Where available, installment services may include:

• Shop Pay Installments
• Klarna
• Afterpay / Clearpay

Approval and terms are determined by the BNPL provider.

1.4 Prepaid Cards & Gift Cards

Prepaid online-enabled credit cards are accepted. Only amtiot.com–issued gift cards are redeemable on our site.

1.5 Unsupported Payment Methods

For security and compliance reasons we do not accept:

• Cash on Delivery (COD)
• Checks or money orders
• Direct bank transfers (unless specifically stated)
• Cryptocurrency
• Third-party retailer gift cards

2. Currency

All transactions are processed in USD (United States Dollar). If you use a non-USD card, your bank may apply currency-conversion fees.

3. Payment Authorization & Verification

All orders are subject to verification to prevent fraud and protect customers. Verification may include:

Verification Type	Description
Authorization Hold	A temporary hold may appear while your bank authorizes the payment.
Address Verification (AVS)	Your billing address should match the address on file with your card issuer.
Security Screening	Orders may undergo automated or manual fraud screening.
Identity Confirmation	Additional documentation may be requested when required.

If we cannot verify your payment, your order may be delayed or canceled.

4. When You Are Charged

Payment is charged immediately when your order is placed. You will receive a confirmation email once payment is successfully processed. Orders cannot be shipped without full and verified payment.

5. Failed or Declined Transactions

Transactions may be declined due to insufficient funds, incorrect details, expired cards, bank security blocks, or international restrictions.

If your payment is declined:

• Re-enter your payment information and try again
• Use an alternate payment method
• Contact your bank to authorize the transaction

We cannot reserve or ship items until payment completes successfully.

6. Security & Fraud Prevention

amtiot.com uses industry-standard security measures:

• SSL encryption for all pages that collect payment or personal data
• PCI-DSS compliant payment processors
• Tokenization of payment details (we never store full card numbers)
• Automated fraud detection systems and manual review when needed

7. Taxes & Fees

Applicable taxes (state, local, county) are calculated at checkout based on the delivery address and current regulations. We do not charge hidden fees, but your bank may apply:

• International or conversion fees for non-USD cards
• Transaction fees imposed by your bank

8. Refunds for Returned Orders

Refunds follow our Return & Refund Policy and are issued only to the original payment method.

Refund Stage	Estimated Timeline
Item Received	1–2 business days
Inspection	1–2 business days
Refund Initiated	Same day after inspection
Bank Processing	1–2 business days

Total estimated refund time: Up to 5 business days. If your refund has not appeared within 7 business days, contact your bank first, then email support@amtiot.com.

If the original card has expired, your bank typically routes the refund to your updated card per their policies.

9. Chargebacks & Payment Disputes

If you suspect a billing error, contact us first so we can investigate. Unjustified chargebacks may result in order cancellation, account suspension, or ineligibility for future purchases. We will cooperate with payment processors and provide documentation when disputes arise.

10. Updating or Changing Payment Information

After an order is submitted, the payment method cannot be modified. To change payment details, request a cancellation (if within the allowed window) and place a new order using the updated payment information. See our Cancel & Change Order Policy for details.

11. Contact Information

For payment-related questions, contact:
Email: support@amtiot.com
Business Hours: Monday – Saturday, 8:00 AM – 7:00 PM (EST)
We aim to respond within 24 hours.

Note: This Payment Methods Policy may be updated to reflect changes in payment options, security practices, or legal requirements. The most recent version will be posted on this page.