Payments

We accept payments through Shopify, which will tailor payment options to those you have access to. Typically, this should include:

  • Visa
  • MasterCard
  • American Express
  • Discover
  • JCB
  • PayPal

Most pre-paid credit and gift cards from Visa, MasterCard, American Express, Discover, and JCB are also accepted, but this is at the discretion of Shopify as they are the payment processor. 

PayPal Billing Agreements

We require the use of a PayPal Billing Agreement to pay with PayPal. By using a PayPal Billing Agreement you are pre-authorizing us to charge your PayPal account for purchases. This has several advantages:

  • Once created you don’t have to sign in to PayPal every time you want to place an order with Zail's Vault
  • We can process your payments more quickly, getting your orders to you that much faster
  • A Billing Agreement can be canceled at any time

Payment Verification

Every payment goes through a rigorous verification process to detect potential fraud. As one of our verification steps we may authorize your card for a small amount and ask you to verify the amount before we accept payment. This authorization is not a charge, but the bank may hold the authorized funds as unavailable until the authorization expires.

Resolving a Declined Payment

During the payment verification process we may decline your payment and ask you to resubmit your billing information and card details so it matches what your credit card company has on file. In some situations we may just ask you to use a different form of payment. At this point no transaction has been attempted on your credit card.

Once your payment has passed the verification process, we will attempt to charge your credit card. If the sale is declined, you may need to contact your credit card company or bank to resolve the problem. The most common reasons for a declined payment are:

  • Credit card company needs authorization prior to completing the transaction.
  • You have reached the daily withdrawal or purchase limit.
  • There are not enough funds in the account.
  • Your credit limit has been exceeded.

Once you have determined the problem, sign in to "My Account" on the Zail's Vault site and resubmit your payment details so we can process your order. Shopify may ask for separate verification. 

Credit Card Security

We work diligently to protect your data and keep it confidential. To ensure the utmost security, our servers never store or transmit any credit card data. When you enter a credit card on our website, it is encrypted and sent directly from your browser to our payment processor, who then sends us a token which we reference for future transactions. The token is meaningless to any outside party. We partner with Shopify which is fully PCI compliant. At no time does any employee of Zail's Vault have access to your full credit card details. Details we do store, such as the credit card last 4 digits, are encrypted and protected with industry standards.

Unknown Credit Card charges

If you don’t recognize a charge from Zail's Vault on your credit card or PayPal account there may be several reasons:

  • We may have performed an authorization for a small amount as part of our payment verification process. This authorization will expire and no money is removed from your account.
  • An order was placed by a family member, friend, or co-worker with access to your credit card.
  • Additional cards are associated with the credit or debit account.

If you have any questions please contact us first, rather than filing a chargeback with your credit card company

 

Frequently Asked Questions
Zail's Vault currently does not offer the option to purchase store credit in advance.
Zail's Vault is unable to accept partial payments for the purchase of a single item, but you may order multiple items separately and pay for each item in full with different payment methods.
Zail's Vault is unable to accept these.

Note: While we Allow the use of coupons to pay for "Ship My vault," to ensure proper calculations we will not be offering 5% rewards on "Ship My Vault" purchases.

Zail's vault does not accept money orders or personal checks.
Zail's vault does not offer a payment plan or layaway program. This may change in the future if enough support is requested for these options.
Zail's vault offers coupons and store credit only at this time.
If you have store credit available, it will show in your Shopify account, and we will automatically apply it towards your next in-stock purchase or pre-order arrival. The balance can also be seen in the upper top right underneath the shop icons.
If you are issued a coupon code, you may either apply it when the cart drawer is and clicking the code icon (coupons are case sensitive). You may also apply it during checkout.
Your payment is listed as processing while we verify and charge you payment. Once this process is complete, the status will be updated to Paid or Declined.

Zail's vault will NEVER ask you for full credit card detail information. Sending sensitive information over channels such as phone or e-mail puts your sensitive information at risk.