Payment Policy

Effective Date: June 7, 2026

At David Morrison Books, we are committed to providing a smooth, transparent, and secure payment experience. This Payment Policy explains the payment methods we accept, how transactions are processed, security measures we employ, and how we protect your financial information.

1. Accepted Payment Methods
We currently accept the following payment methods for all online purchases:
– Visa
– MasterCard
– American Express
– Discover
– PayPal
– Apple Pay
– Google Pay

All payments must be made in full at the time of purchase. We do not offer layaway plans, payment installments, or deferred payment options at this time.

2. Transaction Security
Your security is our top priority. We implement industry-leading security measures to protect your personal and financial information during every transaction.

– 128-bit SSL Encryption (HTTPS): All data transmitted between your browser and our website is protected using SSL encryption technology
– PCI DSS-Compliant Payment Gateways: All transactions are processed through Payment Card Industry Data Security Standard certified payment processors
– Tokenization: Your payment data is tokenized – your actual card numbers are replaced with secure tokens that cannot be reverse-engineered
– No Storage of Card Details: We never store your full credit card number, CVV code, or complete payment credentials on our servers
– Regular Security Audits: We conduct regular security assessments and vulnerability testing

3. Fraud Prevention
To protect both you and our business from fraudulent transactions, we employ:
– Advanced fraud detection algorithms that monitor suspicious activity
– Address Verification Service (AVS) to confirm billing address matches
– CVV verification for all credit card transactions
– Manual review of orders flagged as potentially fraudulent

4. Currency
All transactions are processed in USD. All product prices displayed on our website are shown in USD.

5. Taxes and Fees
– Sales Tax: Automatically calculated and applied based on your shipping address
– Shipping Costs: We offer FREE standard shipping on all orders within the United States
– No Hidden Fees: The price you see at checkout is the final price you pay

If you believe you have been charged incorrectly, please contact us immediately at info@davidmorrisonbooks.com.

6. Payment Processing
– Payments are processed immediately upon order placement
– If payment is successful, you will receive an Order Confirmation Email with your order number and receipt
– Your order will then be queued for processing and shipment

7. Payment Declined or Failed
If your payment is declined:
– You will be notified immediately on the checkout page
– Your order will not be confirmed or processed
– No charge will be applied to your account

Common reasons for payment decline:
– Incorrect billing information
– Insufficient funds in your account
– Card has expired
– Card issuer flagged the transaction as potentially fraudulent

8. Refunds and Cancellations
– Order Cancellations: Contact us immediately at info@davidmorrisonbooks.com with your order number
– Refunds are processed within 7-10 business days after we receive and inspect your return
– Refunds are always processed back to the original payment method used at checkout
– Please allow an additional 3-7 business days for your bank to post the refund

9. Payment Disputes and Chargebacks
If you notice any unauthorized or incorrect charges on your account, please contact our customer support team at info@davidmorrisonbooks.com before initiating a chargeback with your bank. We are committed to resolving payment issues quickly and fairly.

10. Split Payments
At this time, we do not support split payments. Each order must be paid in full using one payment method only.

11. Questions or Concerns
If you have any questions about payment methods, transaction security, or billing issues, please contact our customer service team.

Company Information
Business Name: David Morrison Books
Address: 1420 SE 37th Ave, Portland, OR 97214, United States
Email: info@davidmorrisonbooks.com
Phone: +1 503-236-8600

Customer Service Opening Hours:
Monday-Friday: 9:00 AM – 5:00 PM
Saturday-Sunday: Closed
Time Zone: Pacific Time (PT)

Response Time: We respond within 1 business day