Cash & Credit Card Policy

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 Xango Ritual Store: Cash & Credit Card Policy

• Policy Code: XRS-PYMT-2026-C
• Effective Date: March 17, 2026
• Revision Date: March 17, 2027

1. Cash Transactions: To maintain transparency and security for all in-person ritual supplies:

• Verification: All high-denomination currency ($50 and $100 bills) will be verified using electronic counterfeit detection pens or ultraviolet light scanners.
• Change Policy: Customers are responsible for verifying their change before leaving the point of sale.
• Safety Limits: For staff safety, Xango Ritual Store reserves the right to refuse cash payments for transactions exceeding $2,500 USD unless prior arrangements have been made.

2. Credit & Debit Card Acceptance: We accept all major payment networks, including Visa, Mastercard, and American Express. 

• Security Standards: XRS adheres to PCI DSS compliance standards to ensure all cardholder data is processed through encrypted, secure terminals.
• Transaction Limits: Card payments will be accepted for no more than the exact amount of the purchase.
• Privacy: Digital and physical receipts will display only the last four digits of the card number to protect customer identity. SUNY Oneonta +1

3. Authorization & Identification

• ID Matching: For high-value transactions or where a signature is required, staff may compare the signature on the card with a valid government-issued photo ID.
• Declined Transactions: Xango Ritual Store is not responsible for transactions declined by the issuing bank. Customers must contact their financial institution directly for resolution. SDSU Research Foundation

4. Remote & Digital Payments

• Electronic Entry: Credit card numbers must never be sent via unencrypted email or fax. All remote payments must be processed through the Official XRS Secure Payment Portal.
• Invoicing: For custom ritual tools or bulk altar supplies, official digital invoices will be sent via our verified merchant processor. 

 This section has been added to the Cash & Credit Card Policy (Policy Code: XRS-PYMT-2026-C) to address payment disputes and mitigate the risk of fraudulent chargebacks for specialized ritual goods.

XRS Policy Addition: Chargeback Protection & Disputes

1. Dispute Resolution Requirement: To minimize administrative burdens, customers agree to contact XRS Customer Support at support@xangoritualstore.com to attempt a direct resolution before initiating a formal chargeback with their issuing bank. 

2. Custom & Consecrated Items: For custom-made ritual tools or consecrated items (e.g., hand-carved wands or custom oil blends):

• Final Sale Acknowledgement: Customers must sign a digital or physical "Project Acceptance" form prior to shipping, acknowledging that the item meets the agreed-upon spiritual and physical specifications.
• Irreversibility: Once a ritual item has been used or the seal on a consecrated liquid is broken, it is ineligible for a "not as described" claim, and any chargeback initiated under this premise will be contested with the signed acceptance form as compelling evidence. 

3. Defense Against Fraudulent Claims: Xango Ritual Store aggressively contests "Friendly Fraud" (legitimate purchases claimed as unauthorized). We provide the following to card issuers during disputes:

• Proof of Delivery: Certified tracking information and signature confirmation for high-value orders.
• Digital Footprint: IP addresses, order timestamps, and communication logs for all online transactions.
• Quality Logs: Photographic records taken by XRS staff immediately before the item was packaged to prove it was not defective upon shipment. 

4. Recovery of Lost Funds: In the event of a reversed chargeback that XRS deems fraudulent, we reserve the right to:

• Suspend Services: Permanently ban the customer from all future purchases at XRS.
• Collection Actions: Refer the outstanding balance, including any bank-imposed chargeback fees (typically $25–$100), to a third-party collection agency.