Payment Policy

Payment Policy

Tcozy guarantees an ultra-secure, encrypted, and highly compliant environment for all e-commerce transactions executed on our platform. This policy outlines our approved payment methods, structural security standards, and billing practices to ensure complete transparency.

1. Standardized Transactional Currency (USD)

All pricing models, shipping itemizations, and checkout balances on www.tcozy.shop are processed in United States Dollars (USD). For our premier customer base located within Singapore, your bank will automatically calculate the conversion rate based on real-time market data during checkout. Tcozy does not apply hidden or discretionary cross-border conversion markups.

2. Approved Payment Methods

We support a broad spectrum of secure digital payment options at checkout. You can settle your order utilizing the following methods:

  • Major Credit and Debit Cards: Visa, Mastercard, American Express, Discover, and Diners Club.
  • Digital Express Wallets: Google Pay and Apple Pay (Available when accessed via compatible web browsers).
  • Verified PayPal Gateway: Secure routing via your individual personal or commercial PayPal accounts.

Please note we do not support Cash on Delivery (COD), personal physical bank checks, or direct bank wire transfers for consumer orders within Singapore.

3. Data Encryption & Security Compliance

Your private billing profiles are never stored on our website servers. Our backend framework operates in strict accordance with the Payment Card Industry Data Security Standard (PCI-DSS). All payment screens use industry-standard 256-bit Secure Sockets Layer (SSL) encryption to ensure your card numbers and personal verification records are transmitted securely.

4. Verification Framework & Anti-Fraud Controls

To shield our patrons and platform from unauthorized transactions, all orders undergo automated fraud risk analysis. We use standard verification checks, including Address Verification Systems (AVS) and Card Verification Value (CVV) matching. If an order triggers a high-risk flag, our compliance team reserves the right to hold fulfillment pending verification or cancel the transaction to protect the true cardholder.

5. Billing Queries & Charge Resolution

If you notice any unexpected charges or billing errors on your bank statement associated with a purchase from Tcozy, please contact our support desk immediately at info@tcozy.shop before opening an official chargeback dispute with your financial institution. Most discrepancies can be resolved swiftly by our internal customer care specialists.