1. Accepted Payment Methods

Secure Payment Options

We currently accept Visa, Mastercard, American Express, Diners Club, JCB, Discover, UnionPay, PayPal, Apple Pay, Google Pay, Affirm, and Klarna.

Available payment options may vary depending on your location, device, order details, and payment provider.

Please refer to the checkout page for the payment methods currently available for your order.

2. Secure Payment Processing

Shop with Confidence

Your payment security is important to us.

Payment information submitted during checkout is encrypted and processed through authorized third-party payment service providers.

AARTR does not directly process or store your complete card number or card security code.

3. Cardholder Authentication

Additional Security Verification

Some transactions may require additional authentication from your card issuer, such as 3D Secure verification.

Depending on your bank, you may be asked to confirm the transaction using:

• A one-time verification code

• Your banking application

• Biometric authentication

• Another verification method provided by your card issuer

AARTR does not have access to your banking password or one-time verification code.

4. Fraud-Prevention Screening

Transaction Review

Transactions may be reviewed using automated fraud-prevention and risk-screening tools.

In some cases, additional information may be required before an order can be approved and processed.

Orders that cannot be verified may be canceled and refunded to the original payment method.

5. Payment Declined

Common Reasons for a Declined Payment

A declined payment does not necessarily mean there is a problem with your card.

A payment may be declined because of:

• Incorrect card or billing information

• Insufficient available funds or credit

• Online payment restrictions

• International transaction restrictions

• Bank security controls

• An incomplete authentication request

• A temporary authorization or network issue

Before trying again, please confirm that all payment and billing details have been entered correctly.

6. Payment Information Checklist

Details to Verify

Please check the following information before submitting your payment again:

• Card Number: Make sure the complete card number was entered correctly.

• Expiration Date: Confirm that the card has not expired and that the date is entered in the correct format.

• Security Code: Enter the security code shown on your card. This is usually three digits on the back or four digits on the front for American Express cards.

• Cardholder Name: Enter the name exactly as it appears on the card.

• Billing Address: Make sure the billing address and ZIP code match the information registered with your card issuer.

• Available Funds: Confirm that your card has sufficient available funds or credit.

7. Additional Troubleshooting

Contact Your Card Issuer

Your bank may block a transaction as part of its security procedures.

Please contact your card issuer to confirm that:

• Online purchases are enabled

• International transactions are enabled, when applicable

• Payments in U.S. Dollars are supported

• The transaction has not been blocked

• No additional authorization is required

Try Another Payment Method

You may also try another card or select a different payment method available at checkout.

Please avoid making repeated payment attempts within a short period, as this may trigger additional security restrictions from your bank or payment provider.

8. Pending or Duplicate Charges

Temporary Authorizations

A declined or incomplete payment attempt may temporarily appear as a pending authorization on your account.

A pending authorization is not always a completed charge. The time required for it to be removed depends on your bank or card issuer.

If you believe you have been charged more than once for the same order, please contact your card issuer and our support team for assistance.

9. Payment Confirmation

When Your Order Is Confirmed

Your order is confirmed only after:

• Your payment has been successfully authorized

• Your order has been accepted by AARTR

• You have received an order confirmation email

Submitting payment information does not guarantee that an order has been accepted.

AARTR may contact you for additional verification or cancel an order if the payment cannot be verified, the product is unavailable, or the transaction appears to be unauthorized.

10. Currency and Bank Fees

Payments in U.S. Dollars

Orders are processed in U.S. Dollars unless otherwise stated at checkout.

If your payment account uses another currency, your bank or payment provider may apply:

• Currency conversion fees

• International transaction fees

• Other processing charges

These charges are determined by your bank or payment provider and are not collected by AARTR.

11. Refunds

Refund Processing

Approved refunds will generally be issued to the original payment method.

After AARTR processes a refund, the time required for the funds to appear in your account will depend on your bank, card issuer, or payment provider.

12. Still Need Help?

Contact Our Support Team

If your payment continues to be declined, please contact us at:

service@aartr.com

Please include:

• A screenshot of the error message or error code

• The last four digits of the payment card

• The date and approximate time of the payment attempt

• Your billing country

• The product or products you were trying to purchase

For your security, please do not send:

• Your complete card number

• Your card security code

• Your banking password

• Your one-time verification code

• A full image of the front or back of your card

AARTR will never ask you to provide this sensitive information by email, text message, or telephone.