1. Our Payment Approach
At DailyPackStore, we want checkout to feel as straightforward as choosing the right backpack for your day. We offer a destination-aware, wallet-first payment experience for premium backpacks and bags, with payment methods dynamically loaded and authorized through the relevant payment provider’s secure interface.
This Payment & Checkout Policy explains the payment methods we accept, our phased checkout flow, how wallet payments are authorized, what happens if a payment is declined, how authentication and security are handled, and when an order is officially confirmed. It should be read together with our Shipping & Delivery Policy and Returns & Refunds Policy. Nothing in this policy limits any mandatory rights available to you under applicable consumer law.
2. Accepted Payment Methods
We currently accept the following wallet-based payment methods:
- iDEAL
- Bancontact
- BLIK
These methods are designed to provide flexibility and convenience for your backpack and bag purchases. Payment method availability may vary by destination, currency, order value, or payment provider requirements. Only the wallet methods available for your specific order will be displayed at checkout.
We do not ask you to enter credit or debit card details on our Site for these wallet payment methods. Where a payment provider’s own application or account setup involves a linked funding source, that process is handled entirely within the provider’s environment and is subject to the provider’s terms and privacy policy.
3. Phased Wallet Authorization Flow
To ensure maximum security and compliance, our checkout operates on a phased flow. The available wallet methods are dynamically loaded based on your destination and currency only after you initiate the order.
Here is how the process works:
- Cart & Information: You add items to your cart, proceed to checkout, and fill in your required billing and shipping information.
- Place Order: You click “Place Order”.
- Dynamic Wallet Loading: Only after clicking “Place Order” will our system evaluate your shipping destination, order currency, and order value, and dynamically load the corresponding wallet options (e.g., iDEAL, Bancontact, or BLIK) available for your region. You will not see the final wallet list during the initial information-filling stage.
- Selection & Hand-off: You select your preferred method from the options displayed on the payment screen. You will then be directed to, or prompted through, the selected payment provider’s secure interface.
- Authorization: You authorize the transaction using your banking application, scanning a QR code, entering a one-time code, or completing biometric verification, as required by your bank or provider.
Note: Clicking “Place Order” generates an order record with a pending or incomplete payment status. The order is not accepted for processing or dispatch until the wallet payment has been successfully authorized and verified.
4. Payment Authorization and Order Acceptance
A payment is not complete until it has been authorized by your payment provider and verified by our system. After successful authorization and verification, we will send an order confirmation email to the email address provided at checkout.
The order confirmation email confirms that your order has been received and accepted for processing. It is not a dispatch confirmation. Dispatch and tracking information will be provided separately in accordance with our Shipping & Delivery Policy.
If a payment is authorized but our system cannot verify the order, or if the transaction result is inconclusive, we may contact you for clarification before processing the order.
5. Declined, Failed, or Incomplete Payments
If your payment is declined, fails, is cancelled, or does not complete within the provider’s required timeframe, the order will not enter processing. For security and order-integrity reasons, we cannot reinstate a declined or failed order. You will need to place a new order through the website.
If your payment does not complete successfully, please consider the following:
- Check the payment request: Confirm that the payment amount, currency, and merchant details shown in your payment provider’s interface are correct.
- Check your account status: Ensure that your payment account or linked funding source is active, has sufficient available funds, and has not exceeded any applicable transaction or daily limits.
- Complete authentication: If your bank or payment provider requests an additional verification step, complete it within the timeframe shown. An expired or abandoned authentication session may cause the payment to fail.
- Contact your payment provider: If the payment continues to fail, contact your bank or payment provider directly. They can explain the specific reason for the decline, such as insufficient funds, account restrictions, transaction limits, or fraud prevention measures.
- Try another available method: If difficulties continue, you may use another payment method displayed on the payment screen.
Please do not send us your online banking password, wallet login credentials, full payment account number, or one-time authentication codes. Our customer service team does not need these details to assist with a payment inquiry.
6. Authentication, SCA, and Error Handling
Some wallet payments may require Strong Customer Authentication (SCA) or an equivalent verification step imposed by your bank or payment provider. This may include a password, one-time SMS code, in-app approval, QR code confirmation, or biometric verification.
If authentication is rejected or times out, please contact your bank or payment provider for guidance, as the authentication result is controlled by them. We cannot override a payment provider’s authentication or decline decision.
If you encounter an error message during checkout or authentication, please report it to us with the following details so that we can help diagnose the issue promptly:
- The error message text, or a screenshot where available
- The date and time the error occurred
- The payment method selected
- The steps you took before the error appeared
- Your order reference, if one was generated
We will review the information and, where appropriate, coordinate with the relevant payment service provider.
7. Security and Privacy
We take payment security seriously. Payments are processed through licensed payment service providers that maintain PCI DSS compliance where applicable and handle payment data in accordance with their own security and privacy obligations.
We use industry-standard measures to protect information under our control, including encrypted transmission, access controls, and fraud monitoring. We do not store full payment credentials on our servers. We do not request or store your online banking password, wallet login credentials, full payment account number, or CVV.
We may use transaction information—such as payment method, transaction reference, authorization status, amount, currency, and timestamp—to confirm orders, issue refunds, prevent fraud, and comply with legal and accounting requirements. For more information about how we handle personal information, please refer to our Privacy Policy.
8. Refunds and Payment Method
Refunds are issued to the original payment method (iDEAL, Bancontact, or BLIK) after we receive and inspect a returned item, or after a cancellation or refund approval in accordance with our Returns & Refunds Policy. Refund timing may depend on the payment provider’s processing policies. We cannot redirect a refund to a different payment method or account.
If your original payment method is no longer available, please contact us so that we can review the available options with you and the relevant payment provider.
9. Order Confirmation and Payment Records
Upon successful payment authorization and order acceptance, you will receive an order confirmation email containing your order number, a summary of the items purchased, and shipping details. If you do not receive this email within a reasonable timeframe, please check your spam or junk folder before contacting our support team.
We recommend retaining your order confirmation and payment provider receipt for your records. If there is a discrepancy between the amount shown by your payment provider and the amount shown on our checkout page, please contact us before completing the payment.
10. Contact Us
For payment-related inquiries or concerns, please contact:
Urban Trek Luggage Company LLC
Address: 101 Brooks Dr, Brandon, MS 39042 USA
TEL: +1 7694285761
Email: [email protected] (Available Monday–Friday, 08:00–17:00 UTC -6)
Registration Number: 1524542