Payment Policy

Last Updated: November 03, 2025

At Loboza, we offer secure, convenient, and flexible payment methods to ensure a seamless shopping experience for customers worldwide purchasing our premium travel gear, including backpacks, duffle bags, laptop bags, travel bags, and chest bags crafted with durable Cordura fabric and reliable YKK zippers. This Payment Policy outlines our processing standards, accepted options, and security measures, in full compliance with Google Merchant Center (GMC) guidelines, Google Ads policies, and eCommerce best practices. We prioritize transparency in all transactions, with clear disclosures in product listings and ads to build trust and avoid any misleading representations.

All payments are handled through PCI DSS-compliant gateways, ensuring data protection. We do not store sensitive financial details on our servers. Please review this policy before checkout—it integrates with our Terms of Service, Return Policy, and Refund Policy.

1. Accepted Payment Methods

We support a variety of secure options for global orders, displayed clearly at checkout for GMC accuracy:

  • Credit/Debit Cards: Visa, MasterCard, American Express—processed instantly for most regions.
  • Bank Transfers: Ideal for bulk, corporate, or high-value international orders; details provided upon request via email.
  • Western Union & MoneyGram: Available for select transactions (e.g., regions with limited card access)—request via support before checkout.

No additional fees from us for these methods, though your bank may apply charges. Digital wallets (e.g., PayPal, if integrated) may be added seasonally.

2. Payment Processing

  • Full Payment Required: Payment is due at checkout unless pre-arranged in writing (e.g., for wholesale). Orders won't process until confirmed.
  • Verification: For cards, instant; for transfers/manual methods (e.g., Western Union), email proof to care@loboza.com to expedite (avoids 3–5 day delays).
  • Order Status: Post-confirmation, your order enters production/shipping within 1–2 business days, with email updates.

This ensures efficient fulfillment, as reflected in our Google Ads timelines.

3. Currency & Exchange Rates

  • Checkout Currency: Orders process in the currency selected (e.g., USD, PKR, EUR)—auto-converted if needed, with real-time rates shown.
  • Conversion Fees: Any bank or gateway charges for currency exchange are your responsibility; we use mid-market rates without markup.
  • International Notes: For cross-border sales, comply with local regulations—e.g., VAT-inclusive pricing where required.

GMC feeds include currency details for precise global listings.

4. Secure Transactions

Your security is our priority:

  • Encryption: All data uses SSL/TLS 256-bit encryption during transmission.
  • No Storage: We never retain full card details—tokenized via third-party processors (e.g., Stripe).
  • Fraud Prevention: Automated checks flag suspicious activity; we may request verification for high-risk orders.

Compliant with PCI DSS Level 1 standards and Google Ads' emphasis on safe checkouts.

5. Payment Confirmation

  • Immediate Receipt: Successful payments trigger an email with order summary, payment ID, and receipt—check spam if delayed.
  • No Confirmation?: Contact us within 24 hours at care@loboza.com; we'll resend or investigate.

Track your order via the confirmation link.

6. Refund & Chargeback Policy

  • Refunds: Processed per our Refund Policy—full for defects/our errors; non-refundable for custom/personalized items unless verified fault.
  • Chargebacks/Disputes: We encourage direct contact first for resolutions (faster and fee-free). Unauthorized disputes may lead to account holds or blacklisting.
  • Dispute Process: If escalated, provide evidence; we cooperate with processors but reserve rights under Terms.

This promotes fair resolutions, aligning with eCommerce dispute norms.

7. Policy Changes

Updates for security, legal, or operational reasons will post here with notice (e.g., email). Continued use implies acceptance.

Contact Information

For payment questions, issues, or support:

We are committed to a safe, transparent payment journey. Thank you for shopping with Loboza—your trusted companion for stylish, functional travel. Built in Sialkot, for beyond.