Payment Methods

I. Secure & Seamless Checkout: Your Peace of Mind is Our Priority

At Terra Flora Global LLC, we understand that the final step of your shopping journey—the checkout process—should be as smooth, secure, and trustworthy as the quality of the products you’re purchasing. We have meticulously selected and integrated a world-class payment processing infrastructure to ensure that your financial transactions are protected with the highest standards of security and encryption. Our goal is to eliminate any friction or concern, allowing you to focus on the excitement of receiving your curated selection of premium dried fruits, nuts, and teas.

This page provides a comprehensive overview of all payment methods we accept, the robust security measures safeguarding your data, and detailed guidance for a flawless transaction experience. We are committed to transparency and reliability in every financial interaction, reinforcing the confidence you place in us when you choose Terra Flora Global.

II. Our Primary Payment Gateway: Stripe

Terra Flora Global LLC exclusively partners with Stripe, a globally recognized and PCI DSS (Payment Card Industry Data Security Standard) Level 1 certified payment processor. This is the highest level of certification in the payments industry. Our choice of Stripe as our sole payment partner underscores our unwavering commitment to your security.

Why We Trust Stripe (And Why You Should Too):

  1. Industry-Leading Security: Stripe employs state-of-the-art encryption and secure networks to handle every transaction. Your sensitive card details are never stored on our servers. Instead, Stripe uses a tokenization system, meaning only a unique, meaningless token is passed to us, rendering your data useless to potential bad actors.

  2. Global Reliability: Stripe is trusted by millions of businesses worldwide, from startups to Fortune 500 companies. Its infrastructure is built for stability and uptime, ensuring our checkout is always operational when you are ready to order.

  3. Compliance Champion: Stripe automatically helps us stay compliant with complex financial regulations and security standards across all the regions we serve, including the USA and international markets.

  4. Streamlined User Experience: Stripe provides the intuitive, embedded checkout forms you see on our site. They are designed for high conversion, with clear fields and smart error detection to guide you through payment effortlessly.

III. Accepted Payment Methods in Detail

We offer a variety of payment options to accommodate our diverse customer base across the United States and internationally.

1. Credit and Debit Cards (Processed via Stripe)

This is our most common and widely used payment method. We accept all major card networks for your convenience.

  • Visa

  • Mastercard

  • American Express (Amex)

  • Discover

  • JCB

  • Diners Club

How it Works: When you enter your card information at checkout, Stripe validates the details in real-time, checks for available funds, and processes the authorization. The transaction is completed securely without Terra Flora ever seeing your full card number.

2. Digital Wallets (Express Checkout)

For the ultimate in speed and convenience, we support one-click payments through leading digital wallets integrated with Stripe.

  • Apple Pay: Available on Safari browsers (macOS and iOS) and iOS/iPadOS devices. Pay with just your Touch ID, Face ID, or device passcode.

  • Google Pay: Available on Chrome browsers and Android devices. Securely use cards saved to your Google Account.

  • Link by Stripe: Stripe’s own accelerated checkout that securely remembers your payment details across millions of businesses that use Stripe.

Benefits of Digital Wallets:

  • Speed: Complete your purchase in just a few taps.

  • Security: Your actual card number is never shared with the merchant. The wallet uses a unique “Device Account Number.”

  • Convenience: No need to manually type in card details for each purchase.

3. Additional Payment Options

Depending on your location and Stripe’s capabilities in your region, you may also see other localized payment methods at checkout, which could include:

  • ACH Direct Debit (for US bank accounts)

  • Various other regional options that Stripe dynamically makes available based on the customer’s location.

IV. Step-by-Step: The Payment Process on TerraFlora.site

Understanding the process can enhance your confidence. Here is what happens from the moment you click “Pay”:

  1. Cart Review: On the checkout page, you review your order (items, quantities, shipping cost, tax, total).

  2. Payment Selection: You choose your preferred payment method (Card, Apple Pay, Google Pay, etc.).

  3. Secure Data Entry: You enter your payment details into Stripe’s secure, embedded payment fields. Our website URL will always show “https://” and a padlock icon, confirming the connection is encrypted.

  4. Authorization Request: Stripe sends an authorization request to your card’s issuing bank (or digital wallet provider).

  5. Authentication (if required): For added security, your bank may trigger 3D Secure authentication (like Visa Secure or Mastercard Identity Check). This may involve a one-time passcode sent to your phone or a prompt in your banking app. Please complete this step if prompted; it is a vital layer of protection for you.

  6. Authorization Response: The bank approves or declines the authorization and sends the response back through Stripe.

  7. Order Confirmation: Upon approval, Stripe notifies our system, your order is instantly confirmed, and you are redirected to an order confirmation page. A detailed confirmation email is simultaneously sent to you. Funds are temporarily held (authorized) but not fully captured until we process your order for shipment.

  8. Settlement: When your order is packaged and handed to the shipping carrier, we finalize (capture) the payment. The pending charge on your statement then becomes a posted charge.

V. Security Protocols & Data Protection

Your financial data security is non-negotiable. Our payment ecosystem is built on multiple layers of protection:

  • PCI DSS Level 1 Compliance: As a merchant using Stripe, we adhere to the strictest level of PCI standards, which includes regular security audits, network vulnerability scans, and robust security policies.

  • End-to-End Encryption (E2EE): All data transmitted between your browser, our site, and Stripe’s servers is encrypted using strong TLS (Transport Layer Security) protocols—the same technology used by banks.

  • Tokenization: As mentioned, your card number is replaced with a randomized token. This token is what is stored for future reference (if you choose to save your card) or for processing subscription payments, making it worthless if intercepted.

  • Fraud Prevention Tools: Stripe’s advanced machine learning algorithms, Radar, analyze thousands of signals in real-time to detect and block fraudulent transactions before they happen, protecting both you and our business.

  • Secure Sockets Layer (SSL) Certificate: Our entire website is protected with a valid SSL certificate, ensuring all data you submit is encrypted.

VI. Handling of Payment Information & Privacy

We respect your privacy. Our policy regarding your payment information is simple and strict:

  • We Do Not Store: Terra Flora Global LLC does not store or have access to your complete credit/debit card numbers, CVV codes, or digital wallet credentials on our internal servers or databases.

  • Stripe Stores Securely: If you opt to “save this card for future purchases,” this information is encrypted and stored exclusively within Stripe’s secure vaults, compliant with global security standards. You can manage saved payment methods from your customer account on our site.

  • Data Usage: Payment data is used solely for the purpose of completing the transaction you authorize, for fraud prevention, and to handle potential disputes or refunds as necessary. This is governed by our Privacy Policy.

VII. Troubleshooting & Common Payment Issues

Occasionally, you might encounter a hiccup. Here are solutions to common payment problems:

  • Payment Declined:

    • Card Details: Double-check the card number, expiration date, and CVV for typos.

    • Funds/Limit: Ensure you have sufficient funds or have not exceeded your card’s transaction limit.

    • International Cards: Some international banks block overseas online transactions by default. Contact your bank to authorize the transaction with Terra Flora Global LLC (US-based).

    • 3D Secure: If the authentication step (bank pop-up or SMS) fails or is canceled, the payment will decline. Please try again and complete the verification.

    • Billing Address: The billing address you enter must match the address on file with your bank.

  • “Invalid Card” or “Unsupported Card” Error:

    • Confirm the card is one of the accepted networks listed above.

    • Ensure the card is not expired.

  • Pending/Authorized Charge but No Order Confirmation:

    • This usually indicates a technical glitch at the final confirmation step. The authorization will typically drop off your account in 3-7 business days. Please do not attempt to re-enter the payment. Instead, contact our Support team immediately with your details, and we will investigate the order status without charging you twice.

  • Digital Wallet Not Showing Up:

    • For Apple Pay/Google Pay to appear, you must be using a supported browser and device, and have a card set up in your wallet. They also require a secure (HTTPS) connection, which our site always uses.

VIII. Refunds & Payment Disputes

All refunds are processed back to the original payment method used for the purchase. The timeframe for the refund to appear in your account depends on your bank or card issuer, typically between 5-10 business days after we initiate it. For detailed information, please see our Refund and Return Policy.

In the rare event of a payment dispute (chargeback), we work directly through Stripe to provide the necessary evidence to your card issuer. We encourage you to contact us first for any issue with your order to allow us the opportunity to resolve it amicably and avoid the formal dispute process.

IX. Commitment to Financial Transparency

We are committed to complete transparency. You will always see:

  • A clear itemized breakdown of costs (subtotal, shipping, tax) before payment.

  • The exact amount to be charged in your local currency (or USD for international transactions, with conversion handled by your card issuer).

  • No hidden fees. The total at checkout is the total you will be charged.

Should you have any questions or concerns regarding payment that were not addressed here, please do not hesitate to reach out to our customer support team through the Contact Us page. We are here to ensure your financial transaction with Terra Flora Global is as flawless as the quality of our products.