Last updated: 31 July, 2026

Payment and Billing Terms

Everything about how money moves between you and JJacket.com: what we accept, when you are charged, what tax and duty apply, and what happens when a payment does not go through.

Currency

All prices are shown and charged in US dollars (USD). If your browser, card issuer or a currency plugin displays another currency, that figure is an estimate for convenience. The amount that leaves your account is the USD amount, converted by your bank at their rate.

Your bank may add a foreign transaction fee. That is a charge from them, not from us, and we cannot refund it.

What We Accept

• Visa
• Mastercard
• American Express
• Discover

The full list live at any moment is whatever appears on the checkout page. We do not accept cash, cheque, bank transfer, cryptocurrency or cash on delivery.

We do not accept split payment across two cards, and we do not hold orders against a promise to pay later.

When You Are Charged

At the point you place the order, not at dispatch. The full amount — item price, shipping and any applicable tax — is taken in a single transaction.

That is not the same as the order being accepted. As set out in the Terms and Conditions, the contract forms when we confirm dispatch. If we cannot fulfil the order after taking payment, we refund in full.

Pending authorizations

If a payment fails, your bank may still show a pending authorization for the amount. That is a hold, not a charge, and no money has left your account. Banks release these automatically, usually within 3 to 5 business days and occasionally up to 10.

If you retried a failed payment several times, you may see several holds. Only the successful one becomes a charge. If a hold is still showing after 10 business days, contact your bank — only they can release it.

Taxes and Duties

Charge	Who pays	When it is shown
Product price	You	On the product page
Shipping	You, unless the order qualifies for free shipping	At checkout, before payment
US state sales tax	You, where applicable to your state	At checkout, before payment
Import duty and customs tax	Prepaid by JJacket	Nothing to pay on delivery

 

Nothing is added after you confirm the order. The total on the checkout page is the total. There is no courier invoice waiting at your door and no surprise brokerage fee.

One consequence worth knowing: because customs does not refund prepaid duty to us, duty is not refunded when you return an item for a change of mind. You get back the item price. Where a return is our fault, we refund everything.

Card Security

We never see your full card number. Card details are entered directly into a form served by our PCI-DSS Level 1 compliant payment processor. That data does not pass through our servers and is not stored on them.

What we receive and keep is the last four digits, the card brand, the authorization result and the transaction reference — enough to match a payment to an order and to process a refund, and not enough to charge anyone.

• Every page runs over HTTPS with a valid TLS certificate.
• 3-D Secure (Verified by Visa, Mastercard Identity Check) may be triggered by your bank. Complete it or the payment will not clear.
• Transactions are screened automatically for fraud indicators before dispatch.

How we handle the payment data we do hold is covered in the Privacy Policy.

If Your Payment Is Declined

We never see the reason — your bank tells us only yes or no. The common causes, in rough order of frequency:

1. The billing address entered does not match the address your bank holds for the card. This is the single most common cause. It must match exactly, including apartment number and postcode.
2. The CVV or security code was mistyped.
3. The card is blocked for international or online transactions. Many US banks block UAE-originating merchants by default.
4. Insufficient funds or a daily limit.
5. The card has expired.
6. Automated fraud screening flagged the transaction.

Check the billing address first, then call your bank and ask them to authorize the transaction. If you believe fraud screening has blocked a legitimate order, email info@jjacket.com and a person will review it manually.

Fraud Screening

Every transaction passes through automated screening before dispatch. It scores factors such as address mismatch, unusual order patterns, mismatched billing and shipping countries and known-fraud indicators.

A flagged order is either held for manual review or declined and refunded in full. Screening can refuse an order; it cannot take money from you. If your order was declined and you think it was wrong, tell us and we will look at it by hand.

Refunds

• Refunds go to the original payment method only. We cannot refund to a different card, in cash, or by bank transfer.
• Cancellations before dispatch are refunded within 2 business days — see the Order Cancellation Policy.
• Returns are refunded within 10 business days of passing inspection — see the Return, Refund and Exchange Policy.
• Your bank then takes a further 3 to 5 business days to post the money. That part is out of our hands.
• If the card you paid with has since been closed or expired, contact your bank. The refund still lands with them and they route it to your replacement card or account.

Chargebacks

Please email us before you file a chargeback. Almost every chargeback we see is something we would have refunded on request — a parcel that was late, a size that did not fit, a payment the cardholder did not recognize on their statement. Email is faster and it does not put your account at risk.

If you do file one, we will submit our evidence to the card scheme: order records, dispatch confirmation, tracking data and proof of delivery. Where a chargeback is filed on an order that was correctly delivered and not returned, we reserve the right to recover the amount and to decline future orders from the account.

If you see a charge from us you do not recognize, email info@jjacket.com with the date and amount before contacting your bank. Statement descriptors are frequently unhelpful and it may simply be an order placed by someone else in your household.

Pricing Errors

If an item is listed at an obviously incorrect price because of a system fault or human error, we are not obliged to supply it at that price. We contact you before dispatch, tell you the correct price, and you choose whether to continue or cancel for a full refund. We never charge the higher amount without asking you first.

Receipts and Invoices

An itemized receipt is emailed automatically when your order is confirmed, showing the item price, shipping, tax and total. If you need a formal invoice for business or expense purposes, email info@jjacket.com with your order number and the billing details you need on it.

Contact Us About a Payment

JJacket.com

Email: info@jjacket.com

Phone: +1-510-833-7711

Support hours: 09:00 to 17:00 GST, Monday to Friday

US address: 625 Center Street, Oregon City, OR 97045, United States

UAE sales office: Warba Center, 308, Deira, Dubai, United Arab Emirates

Frequently Asked Questions

What payment methods does JJacket accept?

Visa, Mastercard, American Express and Discover, plus the digital wallets shown at checkout. All payments are processed in US dollars by a PCI-DSS compliant provider. We do not accept cash on delivery or bank transfer.

When is my card charged?

At the point you place the order, not at dispatch. If we cannot fulfil the order after taking payment, we refund in full. The contract itself only forms when we confirm dispatch.

Does JJacket store my card details?

No. Card data is entered directly into our payment processor’s form and never touches our servers. We keep only the last four digits, the card brand and the authorization result.

Do I pay customs duty on a JJacket order?

No. Duties and import taxes are prepaid before your parcel leaves us. Because customs does not refund that duty to us, it is not refunded on a change-of-mind return, though it is where the fault is ours.

Why was my payment declined?

Most often a billing address mismatch, a mistyped security code, or an international transaction block set by your bank. We only ever see yes or no, so your bank is the one who can tell you.

Why do I see a pending charge for an order that failed?

That is an authorization hold, not a charge, and no money has left your account. Banks release these automatically within 3 to 5 business days. Only your bank can release one early.

Can I pay in my own currency?

No. All charges are in US dollars. Your bank converts at their rate and may add a foreign transaction fee, which is a charge from them rather than from us.

What should I do before filing a chargeback?

Email info@jjacket.com with your order number. Most chargebacks we see are things we would simply have refunded. Email resolves it faster and does not put your account at risk.