Payment Methods & Processing Terms

🌟 Overview of Supported Payment Methods

1. 🛒 Credit Cards (Visa, Mastercard, American Express, Discover)

How It Works:

1. At Checkout: Select "Credit Card" and enter details in our encrypted form (look for the 🔒 padlock in your browser to confirm security).
   • Required info: Card number, expiration date, CVV, and billing address (must match your bank’s records to avoid declines). Mismatched addresses are the #1 cause of failed payments, so double-check spelling!
   • Pro Tip: Save time by checking "Remember card"—your details are stored securely via our PCI DSS-compliant processor (we never access them directly).
2. Authorization: Your card is instantly verified for sufficient funds—no charge is processed yet. You may see a temporary "pending" hold on your account statement, which expires if the order is canceled.
3. Final Charge: We only deduct funds after your order ships. You’ll receive a detailed receipt via email with the exact amount charged, including taxes, shipping, and any applicable rural delivery surcharges.

Security & Troubleshooting:

• 256-bit SSL encryption protects data transmission. For international orders, 3D Secure verification (e.g., Visa Secure) is required—check your phone/email for a one-time code (expires in 10 minutes).
• If your payment fails: First, confirm the card isn’t expired or maxed out. If issues persist, contact your bank—they may flag "unusual activity" (e.g., a feed order from a new location).

Refund Timeline:

• 3–5 business days for Visa/Mastercard.
• 7–10 business days for American Express/Discover (varies by bank policy).
• Note: Cross-border fees (if applicable) are non-refundable, as they’re charged directly by your card issuer.

2. 📱 Digital Wallets (Apple Pay / Google Pay)

How It Works:

1. At Checkout: Tap the Apple Pay or Google Pay button (look for their logos) on mobile or desktop.
   • Ensure your device has a linked payment method: Add cards via "Settings → Wallet & Apple Pay" (iOS) or the Google Pay app (Android). For Apple users, cards added to your watch work too!
2. Authenticate: Verify your identity using Face ID, Touch ID, or your device passcode. This step happens entirely on your device—no biometric data is shared with our servers.
3. Confirmation: Payment processes in 10 seconds or less. You’ll receive instant confirmation via email and a receipt in your digital wallet app (e.g., Apple Wallet or Google Pay activity), which includes a link to track your shipment.

Why Use It?

• Speed: Ideal for repeat orders (e.g., monthly feed refills) since your payment details are pre-saved.
• Security: Tokenization replaces your actual card number with a unique code, preventing fraud if data is intercepted. This is especially useful on public Wi-Fi networks.

Refund Note:

• 1–3 business days for Apple Pay.
• 2–5 business days for Google Pay.

3. 🏦 Kalana

How It Works:

1. Select Kalana: At checkout, choose "Kalana" and you’ll be redirected to Kalana’s secure portal (look for their official domain to confirm legitimacy).
2. Log In or Register: Use your existing Kalana credentials, or create a new account (free) and link a bank account. Supported institutions include Bank of America, Chase, Wells Fargo, and regional credit unions.
3. Confirm & Pay: Review the order summary (e.g., "10 bags of organic poultry feed – $120") and authorize the transfer. Kalana deducts funds directly from your linked account—no holds, just an immediate debit.
4. Confirmation: You’ll see a success screen, and Kalana will send a transaction receipt via email with a unique reference number (save this for tracking, as it’s required for disputes).

Key Details:

• No credit cards: Kalana only links to checking or savings accounts—no credit-based payments.
• Limits: Up to $50,000 per order. For larger purchases (e.g., a commercial chicken coop setup), split into multiple orders.
• Fees: No charges for payments or refunds (Kalana covers processing costs).

Refund Flow:

• Approved refunds are credited to your Kalana account balance within 2–4 business days.
• Withdraw funds to your linked bank account for free (takes 1–2 additional business days).

4. 💼 PayPal (For Eligible Large-Value Customers)

Eligibility & Trigger:

• Cumulative Purchase Requirement: PayPal appears as a payment option automatically at checkout only if your account shows $2,500+ in total past purchases (tracked via your registered email).
• Minimum Order: Even for eligible customers, PayPal is limited to orders of $500+ (in local currency) to align with bulk purchasing needs (e.g., annual feed supplies, industrial coops).

How It Works:

1. Automatic Display: If eligible, "PayPal" will appear in the payment method list. If not, it will be grayed out with a note: "Available to customers with $2,500+ in cumulative purchases."
2. Redirect to PayPal: Click "PayPal" to be taken to PayPal’s secure login page.
3. Choose Funding Source: Select how to pay: PayPal balance, linked bank account, or credit/debit card (balance is prioritized to avoid PayPal’s 2.9% + $0.30 transaction fee).
4. Review & Approve: Confirm the shipping address matches your PayPal account (a security measure to prevent fraud). PO boxes are allowed, but rural addresses may require additional verification.
5. Security Hold (if applicable): Orders over $2,000 may trigger a 1–2 hour review by PayPal to verify legitimacy (e.g., ensuring the order matches your business type). You’ll receive an email once approval is complete.

Refund Process:

• Refunds are credited to your PayPal balance within 1–3 business days.
• Transfer to your linked bank account: 1–2 additional business days (no fees from PayPal).

🔒 How We Protect Your Financial Data

• No Storage of Sensitive Info: We never save credit card numbers, bank details, or wallet credentials. All data is processed by PCI DSS-compliant third-party processors (e.g., Stripe, PayPal).
• Encryption: All payment interactions use 256-bit SSL encryption, ensuring data transmission between your device and our partners is unreadable to third parties.
• Audits: Quarterly third-party security audits verify compliance with global payment laws (e.g., GDPR for EU customers).

📝 General Terms

• Currency: Prices auto-convert to your local currency based on your shipping address (e.g., CAD for Canada, EUR for Europe). Real-time exchange rates are displayed at checkout, with the original USD amount noted for transparency.
• Payment Timeout: Complete payment within 30 minutes of placing your order—unpaid orders are automatically canceled to free up inventory (critical for high-demand items like seasonal feed blends).
• Dispute Resolution: For issues like duplicate charges or missing confirmations, email info@cooprun.com with your order number. We’ll investigate within 24 hours, but specific transaction details (e.g., declined payment reasons) must be verified with your payment provider.