Payment Policy
This page explains how payments work at MirthCotton — what we charge, when we charge it, and what happens if something goes wrong.
Currency
All prices, shipping fees and refunds on mirthcotton.com are in US dollars (USD). If your card or account is held in another currency, your bank converts the amount at its own rate and may add a foreign-transaction fee. That fee is set by your bank, not by us, and we cannot refund it.
Accepted payment methods
The payment options available to you are shown on the Checkout page before you confirm your order. We only display a payment logo or badge on this website for a method that is genuinely active at checkout.
What you pay
Your order total is made up of:
- the item price(s) shown on the product page
- the shipping fee — US$4.99 within the United States, US$9.99 to all other countries
- any discount from a valid coupon code, applied before payment
- sales tax where it applies, calculated and shown at checkout
The full total is displayed on the Cart and Checkout pages before you confirm. Nothing is added afterwards. Import duties charged by your own country are separate — see our Shipping Policy.
When you are charged
Payment is taken in full at the moment you place the order. We do not offer instalments, deposits or cash on delivery. Because every item is printed to order, production only begins once payment has cleared.
Order confirmation
A confirmation email with your order number and a full summary is sent immediately after a successful payment. If it has not arrived within an hour, check your spam folder and then email support@mirthcotton.com — do not place the order a second time.
Failed or declined payments
If a payment is declined, no order is created and no money leaves your account. The most common causes are an incorrect card number or CVV, a billing address that does not match your bank’s records, insufficient funds, or your bank blocking an international transaction. Check those, or try a different method. Some banks briefly show a pending authorisation for a declined attempt; this is not a charge and your bank releases it automatically, usually within 3–7 business days.
Coupons and discounts
One coupon code per order unless stated otherwise. Codes must be entered at checkout — we cannot apply a discount retroactively to an order that has already been paid.
Refunds
Approved refunds always go back to the original payment method, in USD, for the amount originally charged. We cannot refund to a different card, account or person. Refund conditions and timelines are set out in our Refund & Return Policy and Cancellation Policy.
Security
Our checkout runs over an encrypted HTTPS connection. Card details are entered and processed by our payment provider and are never stored on our servers — MirthCotton has no access to your full card number. We may cancel and refund an order that fails our provider’s fraud checks.
Billing descriptor
Charges appear on your statement as MIRTHCOTTON or the name of our payment processor. If you see a charge you do not recognise, contact us before opening a chargeback — we can almost always resolve it faster than your bank can.
Need help?
MirthCotton — Legal seller and website operator
Representative: Lê Thị Hồng Thủy
Business address: Khu Long Chau, Binh Phu, Phu Tho, Vietnam
Email: support@mirthcotton.com
Phone: +84 899678457
Customer support: Mon – Sat, 9AM – 5PM EST — we reply within 24 hours
Website: mirthcotton.com