Payment Methods

Clear options at checkout, with the final total shown before you pay

Ways to pay

Do not send a full card number, card security code, account password or other unnecessary payment credentials to Rayshe by email, social media, text message or WhatsApp.

Currency and possible bank fees

Prices may be displayed in a local currency based on location or store settings. The final currency, order total, taxes collected and any delivery charge will be shown at checkout before payment. Review that information carefully before placing the order.

Your card issuer, bank, PayPal, Klarna or another payment provider may apply a foreign-transaction fee, currency-conversion fee, financing charge or other provider fee. These charges are set and collected by the provider, not Rayshe. Contact the provider for details before payment.

When payment is taken

When you submit an order, the payment method may be authorized or charged immediately. A successful payment or order-confirmation email only means that Rayshe has received the order; it does not guarantee final acceptance. Inventory, pricing and payment-security checks may still be completed before fulfillment.

Klarna

When Klarna appears at checkout, its payment schedule, eligibility decision, identity checks, fees, late-payment consequences and other terms are provided and controlled by Klarna. Approval is not guaranteed. Rayshe cannot change Klarna's eligibility decision or account terms. Review Klarna's information at checkout before choosing this method.

Payment help

Troubleshooting, verification and refunds

If your payment is declined

• Confirm the card number, expiry date, security code and billing address.
• Check the available balance or credit limit and complete any bank verification prompt.
• Confirm that the bank has not blocked online, international or unusual transactions.
• Check the browser, internet connection and Apple Pay or Google Pay wallet settings.
• Try another payment method shown at checkout. Do not repeatedly submit payment if several pending transactions already appear.

Pending or duplicate-looking transactions

A declined or repeated checkout attempt can sometimes create more than one temporary authorization or pending entry. This does not always mean that the order was charged more than once. Allow 3–5 business days for the bank or provider to update its records. If completed duplicate charges remain, email rayshecustomer@outlook.com with the order number, payment date, amount and a screenshot with sensitive details concealed.

Payment verification

To protect customers and Rayshe, a transaction may be reviewed when it appears unusual or high risk. Rayshe may request the order number, billing information and reasonable evidence that the payer is authorized to use the payment method. Conceal full card numbers, security codes, passwords, government identification numbers and any information not required for the stated check.

If requested verification is not completed within a reasonable period, or the transaction cannot be verified, Rayshe may cancel the order and return collected funds to the original payment method. Processing may remain paused while the review is open.

Refunds

Approved refunds are generally returned to the original payment method. When an original-method refund is not legally or technically possible, Rayshe will provide another lawful and practicable solution. After Rayshe processes a refund, a bank or payment provider usually needs an additional 5–10 business days to post it.