Payment Policy

This Payment Policy explains the payment methods, currency, charges and payment-processing practices that apply to purchases made through ginoandjulia.com.

Accepted Payment Methods

Gino & Julia accepts the following payment methods:

Visa
Mastercard
American Express
Apple Pay
Google Pay
Shop Pay
PayPal

The payment methods available for a particular order will be displayed during checkout. Availability may depend on your device, browser, location and the settings of the relevant payment provider.

Payment Currency

All prices on our website are displayed and charged in Canadian dollars (CAD), unless otherwise stated.

If your bank, card issuer or PayPal account uses another currency, the payment provider may convert the transaction and apply its own exchange rate or conversion fee. Any such charges are determined by the payment provider and are not controlled by Gino & Julia.

PayPal Payments

You may complete your purchase using PayPal where this option is available during checkout.

When PayPal is selected, you may be redirected to PayPal or asked to sign in to your PayPal account to authorise the transaction. PayPal payments are subject to PayPal’s own terms, privacy policy and account requirements.

Please ensure that the billing, contact and delivery information submitted through PayPal is accurate before confirming your order.

Payment Authorisation

Payment must be successfully authorised before an order can be processed.

When you submit an order, your payment provider may:

Verify the payment information provided;
Confirm that sufficient funds or credit are available;
Perform fraud-prevention or identity-verification checks; and
Place a temporary authorisation hold on the payment method.

An authorisation hold is not always a completed charge. The timing for releasing an unsuccessful or cancelled authorisation is determined by your bank or payment provider.

Payment Security

Payments are processed through secure third-party payment providers.

Gino & Julia does not normally receive or store complete payment card numbers. Payment details are handled by the selected payment processor in accordance with its own security and privacy practices.

You are responsible for ensuring that you are authorised to use the payment method submitted during checkout.

Billing Information

You must provide accurate and complete billing information when placing an order.

The billing name, address and other payment details should match the information held by your bank, card issuer or PayPal account. Incorrect or incomplete information may result in a payment being declined or an order being delayed.

Taxes

Applicable Canadian sales taxes will be calculated based on the order and delivery location and will be displayed during checkout before payment is completed.

The total amount shown at checkout will include the product price, applicable taxes and any additional delivery charges selected by the customer.

Declined or Failed Payments

A payment may be declined or fail for reasons including:

Incorrect card, billing or PayPal account information;
Insufficient funds or available credit;
An expired or restricted payment method;
A billing-address mismatch;
Security or fraud-prevention checks;
Restrictions imposed by the bank or payment provider; or
A temporary technical issue.

If a payment is declined, please review the information entered, try another accepted payment method or contact your bank, card issuer or PayPal directly.

Gino & Julia may not receive detailed information explaining why a payment provider declined a transaction.

Payment Verification

In certain circumstances, we or our payment provider may request additional information to verify a payment or order.

Order processing may be paused until the requested verification is completed. If the payment or order cannot be verified, the order may be declined or cancelled, and any payment collected will be refunded to the original payment method.

Order Confirmation

After a payment is submitted, you should receive an order confirmation at the email address provided during checkout.

An order confirmation acknowledges that we have received your order. It does not necessarily confirm that the order has been dispatched.

If you do not receive an order confirmation, please check your spam or junk folder and confirm that the email address entered during checkout was correct.

Duplicate or Unrecognised Charges

If you believe that you have been charged more than once or do not recognise a transaction from Gino & Julia, please contact us promptly.

Please include your name, order number and the date and amount of the transaction. Do not send complete card numbers, security codes or account passwords by email.

Some transactions that appear to be duplicate charges may be temporary authorisation holds. Your bank, card issuer or PayPal can confirm whether a transaction is pending or completed.

Refunds

Approved refunds will be issued to the original payment method used for the purchase.

We aim to process approved refunds within 10 business days. After a refund has been issued, your bank, card issuer or PayPal may require additional time to post the funds to your account.

We cannot normally issue a refund to a different card, bank account or PayPal account.

For additional information about refund eligibility, please review our Return and Refund Policy.

Chargebacks and Payment Disputes

If you have a concern about a payment or order, please contact us before opening a chargeback or payment dispute. We will review the matter and attempt to provide an appropriate resolution.

Submitting a chargeback does not automatically cancel an order or return. We may provide order, payment, delivery and communication records to the relevant payment provider when responding to a dispute.

Payment Method Changes

We may add, remove or update available payment methods from time to time.

The payment options displayed during checkout at the time of purchase are the methods available for that transaction.

Consumer Rights

This Payment Policy does not exclude, restrict or replace any rights or remedies available under applicable Canadian federal, provincial or territorial consumer protection laws.