Payment Policy

Last updated: June 15, 2026

The website urbansatchel.com is officially operated by NOLAVIA LIMITED. This Payment Policy outlines the secure methods by which your financial transactions are handled and safeguarded on our platform. We encourage you to review these terms alongside our Terms & Conditions prior to finalizing your purchase.

Accepted Payment Methods

We exclusively process transactions through PayPal. This gateway allows you to securely fund your order using an existing PayPal balance, a connected credit or debit card, or other regional funding sources supported by their network. Please note that we do not accommodate cash on delivery (COD), bank wire transfers, cryptocurrencies, or direct gift cards at this time.

Timing of Billing

The full cost of your order is authorized and captured the moment you complete the checkout sequence. We cannot allocate inventory or begin the fulfillment process until the transaction has successfully cleared our system.

Order Receipts

Following a successful payment, an automated digital receipt will be dispatched to your provided email address. This confirmation includes your unique order ID, an itemized breakdown of your garments, the designated shipping address, and the final billed amount. If this email does not appear in your inbox within 60 minutes, we advise checking your spam or junk folders before contacting support.

Currency and Conversion

All financial figures on urbansatchel.com—including merchandise prices, shipping rates, and calculated taxes—are listed and processed strictly in United States Dollars (USD). Should your linked bank account or card operate in a different native currency, your financial institution may impose a currency conversion rate or a foreign transaction fee. urbansatchel.com has no control over or involvement in these bank-imposed surcharges.

Taxes and Duties

Applicable domestic sales taxes are calculated based on your shipping destination and are added to your grand total prior to checkout completion. Additionally, because our fulfillment operations are international, US Customs may apply import duties upon delivery. Further details regarding customs protocols are available in our Shipping Policy.

Data Security at Checkout

Protecting your financial data is our highest priority. Our checkout environment operates over robust SSL and TLS encryption protocols. Furthermore, all payment processing is delegated to PayPal, ensuring strict compliance with PCI-DSS security standards. We never intercept, view, or store your complete credit card numbers, CVV codes, or banking passwords on our internal servers.

Temporary Authorization Holds

Occasionally, your card provider or PayPal may issue a temporary authorization hold when an order is submitted. This action merely reserves the necessary funds and does not constitute a double charge. Should a transaction fail to finalize, this hold is automatically lifted by your banking institution, typically within a few business days.

Failed Transactions

If your payment is declined or encounters a fatal error during checkout, the order will not be confirmed, and processing will not commence. You may attempt the purchase again utilizing a different payment method within your PayPal wallet. For privacy reasons, we cannot view the exact cause of a transaction decline; therefore, we recommend contacting PayPal directly for immediate resolution.

Discount Codes and Promotions

Valid promotional codes must be applied in the designated checkout field before completing your payment. We enforce a strict limit of one discount code per transaction unless explicitly noted otherwise. Promotional codes cannot be stacked, applied retroactively to previous orders, or utilized past their stated expiration dates. Ensure accurate spelling and active promotion status if your code is rejected.

Billing Address Accuracy

To avoid automated security declines, the billing address provided during checkout must precisely match the details registered with your PayPal account or your issuing bank. Address discrepancies are the most frequent cause of failed payments, even when adequate funds are present.

Anti-Fraud Measures

Every transaction is scrutinized by advanced fraud detection algorithms operated by PayPal and our hosting platform. Orders flagged as potentially high-risk may be paused for manual evaluation. In extraordinary circumstances, our support staff may request simple identity verification before clearing the order. Unverified orders are promptly canceled and fully refunded.

Disputes and Chargebacks

If you discover an unfamiliar charge from urbansatchel.com, we urge you to email contact@urbansatchel.com prior to initiating a formal dispute with PayPal or your bank. Our team can rectify the majority of billing issues much faster than a formal dispute timeline allows. For issues regarding item condition, please consult our Refund and Returns Policy. Chargebacks filed without preliminary communication will be aggressively contested using our complete transaction logs, delivery proofs, and communication archives.

Privacy Assurance

The personal details you submit during checkout—such as your name, addresses, and order history—are strictly protected under our Privacy Policy. As stated, highly sensitive financial credentials are fundamentally isolated from our systems and managed entirely by PayPal.

Related Policies

For complete information about your purchase, please also review the other policies that govern your shopping experience at urbansatchel.com, including our Terms & Conditions, Privacy Policy, Shipping Policy, Refund and Returns Policy, Disclaimer, and our Do Not Sell My Information portal.

Contact Information

Website: urbansatchel.com is owned and operated by NOLAVIA LIMITED

Company Name: NOLAVIA LIMITED

Company Number: 80579318

Business Address: UNIT 2904-05, 29/F, UNIVERSAL TRADE CENTRE, 3 ARBUTHNOT RD, CENTRAL, HONG KONG

Email: contact@urbansatchel.com

Phone: +1 (325) 283-9757

Contact Form: Click here

Hours of Operation: Our dedicated support team is available Monday through Friday, from 8:00 AM to 6:00 PM Pacific Time (PT).

Service Commitment: We are committed to responding to all inquiries promptly, typically within 1 business day.