Payments

Payments
We accept these payment methods:

Visa
MasterCard
American Express
Discover
JCB
PayPal
Most pre-paid credit and gift cards from Visa, MasterCard, American Express, Discover, and JCB are also accepted.

Payment Terms
Payment is due within four days of product availability. For in stock products, payment is due at the time of purchase. For pre-orders, payment is due when the product has arrived at our warehouse and is available to ship. After four days any unpaid items will automatically be canceled.
 

Chargebacks

If a customer submits a chargeback with their credit card company or PayPal for any reason St. Nix will then bring in our counsel. If the chargeback is over a certain amount civil and or criminal filings will occur. Our counsel will attempt to recover the amount and reasonable attorney's fees and possibly file theft charges. Please reach out to St. Nix before considering filing a chargeback on a purchase so we can try and resolve any issue.

Wallet
Every customer has a wallet associated with their account which allows multiple payment methods to be stored and used for purchases.

International Payments
We accept orders from most anywhere in the world. All payments must be made in United States Dollars. Your credit card company converts your currency to USD at the time of purchase using the current currency exchange rate. We do not control the exchange rate, nor any foreign transaction fees your issuing bank may charge.

PayPal Billing Agreements
We require the use of a PayPal Billing Agreement to pay with PayPal. By using a PayPal Billing Agreement you are pre-authorizing us to charge your PayPal account for purchases. This has several advantages:

Once created you don’t have to log into PayPal every time you want to place an order with St Nicks Collectibles
We can process your payments more quickly, getting your orders to you that much faster
You can use PayPal to pay for all of your pre-orders
A Billing Agreement can be canceled at any time 

St. Nix Store Credit
We also offer St. Nicks store credit as a payment method. When money is due to you from cancellations or returns, you typically are given the option to have your original payment method refunded or receive the refund in St. Nix store credit.

You can check your store credit balance by logging into “My Account”. Any available store credit will automatically be applied to your next in-stock purchase or pre-order arrival.

Expiration Policy: In most situations St. Nix store credit automatically expires one year from date of issue. By law, store credit issued in certain situations is not allowed to expire. We keep track of this and only expire store credit when it is permitted by law. The oldest store credit is always used first. We may reinstate expired store credit upon customer inquiry.

Payment Verification
Every payment goes through a rigorous verification process to detect potential fraud. As one of our verification steps we may authorize your card for a small amount and ask you to verify the amount before we accept payment. This authorization is not a charge, but the bank may hold the authorized funds as unavailable until the authorization expires.

Resolving a Declined Payment
During the payment verification process we may decline your payment and ask you to resubmit your billing information and card details so it matches what your credit card company has on file. In some situations we may just ask you to use a different form of payment. At this point no transaction has been attempted on your credit card.

Once your payment has passed the verification process, we will attempt to charge your credit card. If the sale is declined, you may need to contact your credit card company or bank to resolve the problem. The most common reasons for a declined payment are:

Credit card company needs authorization prior to completing the transaction.
You have reached the daily withdrawal or purchase limit.
There are not enough funds in the account.
Your credit limit has been exceeded.
Once you have determined the problem, log into "My Account" on the St. Nix site and resubmit your payment details so we can process your order.

Credit Card Security
We work diligently to protect your data and keep it confidential. To ensure the utmost security, our servers never store or transmit any credit card data. When you enter a credit card on our website, it is encrypted and sent directly from your browser to our payment processor, who then sends us a token which we reference for future transactions. The token is meaningless to any outside party. We partner with a large, well-respected payment processor which is fully PCI compliant. At no time does any employee of St. Nix Collectibles have access to your full credit card details. Details we do store, such as the credit card last 4 digits, are encrypted and protected with industry standards.

Unknown Credit Card charges
If you don’t recognize a charge from St. Nix Collectibles on your credit card or PayPal account there may be several reasons:

An item you had on pre-order became available and either shipped or was added to your Pile of Loot.
We may have performed an authorization for a small amount as part of our payment verification process. This authorization will expire and no money is removed from your account.
An order was placed by a family member, friend, or co-worker with access to your credit card.
Additional cards are associated with the credit or debit account.
If you have any questions please contact us first, rather than filing a chargeback with your credit card company.