This Payment Policy describes the terms and conditions governing all financial transactions made on nathanbut.net, the online store owned and operated by Nathan But Net LLC, a Texas limited liability company. By placing an order on our website, you agree to the terms of this Payment Policy in full.

We have written this policy to be as clear and transparent as possible. We believe you deserve to understand exactly how your payment is processed, what safeguards protect your financial information, and what happens if an issue arises with your transaction. If you have any questions after reading this policy, please contact us at contact@nathanbut.net.

Nathan But Net accepts 12 secure payment methods, giving you the flexibility to pay in the way that is most convenient for you. All payment methods listed below are processed through PCI DSS-certified payment processors. We do not directly handle or store your sensitive payment credentials.

We accept the following credit and debit card networks at nathanbut.net. All card payments are processed through our PCI DSS Level 1 certified payment processor. Card information is transmitted directly to the payment processor over an encrypted connection and is never stored on our servers.

For a faster, more convenient checkout experience, we offer four digital wallet and express checkout options. These payment methods allow you to complete your purchase without manually entering your card details at checkout.

Nathan But Net LLC offers a Buy Now, Pay Later (BNPL) option through Shop Pay Installments, powered by Shopify and Affirm. Shop Pay Installments allows eligible customers to split their purchase into four interest-free bi-weekly payments or monthly payments with interest, depending on the order total and terms presented at checkout.

• Eligibility Shop Pay Installments is available to eligible U.S. customers on qualifying orders. Eligibility is determined by Affirm at the time of checkout and is subject to their credit assessment and approval process.
• How It Works When you choose Shop Pay Installments, Affirm pays Nathan But Net LLC the full order amount upfront. Your installment repayment relationship is entirely with Affirm, not with us.
• Interest-Free Option Orders that qualify for four bi-weekly payments of 25% each are interest-free. Longer-term monthly installment plans may include interest as disclosed by Affirm at checkout.
• Late Fees Nathan But Net LLC does not charge any late fees associated with installment payments. Any fees are charged by Affirm in accordance with their terms of service.
• Refunds on Installment Orders If you return an item purchased through Shop Pay Installments, your refund will be applied to your outstanding balance with Affirm. Any remaining balance will continue to be due per your installment schedule.

The security of your financial information is our highest priority. Every transaction processed on nathanbut.net is protected by multiple layers of security technology and compliance frameworks designed to keep your payment data safe at every step.

Understanding exactly when and how your payment is charged helps you manage your finances and avoid confusion on your bank or card statement. Here is a step-by-step explanation of how the payment process works from the moment you click "Place Order."

The price you see on a product page, in your cart, and at checkout is the price you will be charged. We do not add hidden fees after checkout. The final total shown at checkout — including all applicable taxes and shipping costs — is the complete amount that will be charged to your payment method.

• Product Prices All listed prices are in USD and include the base cost of the product. Prices are subject to change without notice, but your order will always be charged at the price displayed at the time you placed it.
• Sales Tax Sales tax is calculated at checkout based on your shipping address and applicable state and local tax laws. Sales tax is collected and remitted in accordance with our obligations as a Texas-based business selling across the United States.
• Shipping Fees Shipping fees, if applicable, are calculated and displayed at checkout before you confirm your order. Fees vary based on your U.S. location, the shipping method selected, and the weight and dimensions of your order.
• Foreign Transaction Fees If your card is issued by a non-U.S. bank, your card issuer may charge a foreign transaction fee for processing a USD transaction. This fee is charged by your bank — not by Nathan But Net LLC — and is outside our control. Please check with your card issuer before placing an order.
• Currency Conversion If your bank account is denominated in a currency other than USD, your bank will convert the charge at the exchange rate in effect at the time of the transaction. Exchange rates fluctuate and we have no control over the rate your financial institution applies.

• All 50 States We ship to all 50 U.S. states including Alaska and Hawaii. Additional shipping fees and extended delivery times may apply for Alaska and Hawaii due to their remote locations.
• U.S. Territories We ship to Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and the Northern Mariana Islands. Additional shipping fees may apply for territory deliveries.
• Military Addresses (APO/FPO/DPO) We ship to APO, FPO, and DPO military addresses. Please select "United States" as the country and use the appropriate military address designation at checkout.
• P.O. Boxes We are able to ship to P.O. Box addresses via USPS. Please note that certain carriers and expedited shipping methods may not deliver to P.O. Boxes.
• No International Shipping We do not currently ship to Canada, Mexico, the United Kingdom, the European Union, Australia, or any other country outside the United States and its territories. We apologize for any inconvenience this causes.

Payment declines can occur for a variety of reasons. Understanding the most common causes can help you resolve the issue quickly. Nathan But Net LLC does not receive specific information about why your card was declined — that determination is made solely by your card issuer or payment provider.

• Insufficient Funds or Credit Your card does not have enough available balance or credit to cover the order total. Please check your available balance or credit limit and try again, or use a different payment method.
• Incorrect Card Details The card number, expiration date, CVV, or billing address you entered does not match what your card issuer has on file. Please double-check your card details carefully and try again.
• Card Issuer Block Your card issuer has flagged the transaction as suspicious or has placed a block on online or international transactions. Please contact your card issuer directly to authorize the transaction.
• Expired Card Your card's expiration date has passed. Please use a current, unexpired card or update your saved payment method and try again.
• Card Not Enabled for Online Transactions Some cards — particularly prepaid cards — may not be enabled for online purchases. Please contact your card issuer to enable online transactions or try a different payment method.
• Billing Address Mismatch The billing address you entered does not match the address your card issuer has on file. Please ensure you enter the billing address exactly as it appears on your card statement.
• Velocity or Fraud Triggers Our fraud detection system or your card issuer has flagged the transaction due to unusual activity. Please contact your card issuer to clear the flag, or reach out to us at contact@nathanbut.net for assistance.

We want every customer to be completely satisfied with their purchase. If you are not satisfied for any reason, we encourage you to contact us directly before initiating a chargeback with your bank or card issuer. We can almost always resolve issues faster and more effectively through direct communication.

• Refund Method Refunds are always issued to the original payment method used for the purchase. We cannot issue refunds to a different card, account, or payment method than the one originally used.
• Partial Refunds For orders with multiple items, we may issue a partial refund for specific items returned. The refund amount will reflect the price of the returned item(s) plus any applicable tax. Shipping fees are non-refundable unless the return is due to our error.
• Cancelled Orders If your order is cancelled before it ships, a full refund will be issued to your original payment method within 1–3 business days.

Once we approve and initiate a refund, the time it takes to appear on your statement depends on your payment method and financial institution. The estimated timelines below apply after we have confirmed and sent the refund on our end.

A chargeback (also called a dispute or reversal) occurs when you ask your bank or card issuer to reverse a charge that has already been posted to your account. While you have the right to dispute any charge with your financial institution, we strongly encourage you to contact us first — we can typically resolve issues much faster than the chargeback process allows.

• Contact Us First Please contact us at contact@nathanbut.net before filing a chargeback. We respond to all emails within 1–2 business days and will work with you to resolve any issue as quickly as possible.
• Fraudulent Chargebacks Filing a chargeback for a legitimate transaction — for example, claiming you did not receive an order that was successfully delivered to your address — is considered friendly fraud and may result in your account being permanently blocked from nathanbut.net.
• Chargeback Response We respond to all chargebacks with full documentation including order confirmation, payment records, shipment tracking, and delivery confirmation. We reserve the right to pursue legal remedies for fraudulent chargeback claims.

Nathan But Net LLC takes the prevention of payment fraud very seriously. We use a combination of automated fraud detection tools and manual review processes to identify and prevent fraudulent transactions. These measures protect both our customers and our business.

• Address Verification System (AVS) We use AVS to compare the billing address you provide at checkout with the billing address on file with your card issuer. Significant mismatches may result in your transaction being flagged for additional review or declined.
• Card Verification Value (CVV) We require you to enter the CVV code on the back of your card (or the front for American Express) to verify physical possession of the card. CVV codes are never stored after verification.
• Velocity Checks Our system monitors for unusual patterns such as multiple failed payment attempts, multiple orders from the same IP address in a short period, or orders that significantly deviate from normal purchase behavior.
• Machine Learning Fraud Scoring Every transaction is assigned a fraud risk score by our payment processor's machine learning system. High-risk transactions may be automatically declined or held for manual review before processing.
• Order Holds Orders flagged as potentially fraudulent may be placed on hold pending additional verification. We will contact you by email or phone to complete verification. If we are unable to verify your identity, your order will be cancelled and a full refund will be issued.
• Account Lockouts Accounts associated with confirmed fraudulent activity will be permanently suspended from nathanbut.net. We cooperate fully with law enforcement in all cases of payment fraud.

Here are answers to the most common questions we receive about payment processing at Nathan But Net LLC. If your question is not answered here, please contact us directly.

If you have any questions about this Payment Policy, need help with a payment issue, or would like to report an unauthorized charge, please contact us using any of the methods below. We are committed to resolving all payment-related inquiries as quickly as possible.