Payment Policy

Last updated: August 8, 2026

Welcome to Paddock Dream.

Paddock Dream is operated by ECOMGMD.

To provide a smooth, transparent, and secure shopping experience, please review this Payment Policy before placing an order through our website.

By placing an order with Paddock Dream, you agree to the payment conditions described below.

Accepted Payment Methods

We accept secure payment methods made available during checkout, which may include:

• Visa.

• Mastercard.

• American Express.

• Discover.

• Diners Club.

• Apple Pay.

• Other payment methods displayed as available during checkout.

The payment methods available to you may depend on your country, device, browser, currency, payment provider, and order details.

A payment method is only considered available when it appears as an option during checkout.

We may add, remove, suspend, or modify available payment methods at any time.

Payment Currency

All transactions through Paddock Dream are processed in United States Dollars (USD $) unless another currency is expressly displayed and accepted during checkout.

Customers shopping from outside the United States may see an estimated price in their local currency.

Any local-currency conversion displayed on the website may be provided for convenience only.

Your bank, card issuer, or payment provider may apply:

• Currency-conversion charges.

• Foreign-transaction fees.

• International payment fees.

• Exchange-rate adjustments.

• Other processing charges.

These additional charges are determined by your financial institution or payment provider and are not controlled or collected by Paddock Dream or ECOMGMD.

Payment Security

The security of your payment information is important to us.

Payments made through our website are processed using secure and encrypted payment gateways.

Our online store is powered by Shopify, and payment information may be processed by Shopify Payments or another payment provider available during checkout.

Paddock Dream and ECOMGMD do not generally receive or store your complete payment-card number.

Payment providers may collect and process your financial information according to their own terms, security procedures, and privacy policies.

Although we use commercially reasonable security measures, no electronic payment system or internet transmission can be guaranteed to be completely secure.

Payment Authorization

By submitting an order, you authorize ECOMGMD and its payment providers to charge the payment method selected during checkout for the complete amount shown.

The total amount may include:

• Product prices.

• Shipping charges.

• Taxes.

• Optional shipping protection.

• Customs or import charges collected during checkout.

• Other fees clearly displayed before purchase.

You confirm that:

• You are authorized to use the selected payment method.

• The billing information provided is accurate and complete.

• Sufficient funds or credit are available to complete the transaction.

• The payment is not being made fraudulently or without authorization.

Submitting an order does not guarantee that the payment will be approved or that the order will be accepted.

Payment Terms

Full payment is required when an order is placed.

Orders will not normally be processed, fulfilled, or shipped until payment has been successfully authorized or completed.

We do not currently offer payment by cash, bank transfer, cheque, or cash on delivery unless that payment method is specifically displayed during checkout.

We may temporarily place an authorization hold on your payment method before the transaction is fully captured.

The timing and visibility of an authorization hold are controlled by your bank or payment provider.

Order Confirmation

Once your payment has been successfully processed, you should receive an order confirmation email.

The confirmation will normally include:

• Your order number.

• The products purchased.

• The selected quantities and variants.

• The shipping address.

• The amount paid.

• Any applicable discount.

• The selected shipping method.

Please review the confirmation carefully.

If you do not receive an order confirmation within 24 hours, check your spam, junk, or promotions folder before contacting us.

You may contact us at:

hello@paddockdream.com

When contacting us, provide your full name, the email address used during checkout, and any available payment or order details.

An order confirmation acknowledges receipt of your order but does not necessarily guarantee that every product will be fulfilled.

We reserve the right to review, refuse, or cancel an order under the circumstances described in our Terms of Service.

Declined or Failed Payments

If your payment is declined, rejected, or cannot be completed, your order may not be processed.

Payments may fail for reasons including:

• Insufficient funds.

• Incorrect card information.

• Incorrect billing information.

• An expired payment card.

• Bank security restrictions.

• International transaction restrictions.

• Failed identity authentication.

• A payment-provider technical issue.

• Suspected fraud or unauthorized activity.

• A mismatch between billing information and bank records.

Paddock Dream may not receive the exact reason why a payment was declined.

For assistance with a declined payment, contact your bank, card issuer, or payment provider.

You may also attempt to place the order again using a different eligible payment method.

Repeated unsuccessful payment attempts may trigger security restrictions designed to prevent fraud.

Pending Payments

Some payments may temporarily appear as pending while they are reviewed or authorized.

An order linked to a pending payment may not be processed until the payment has been successfully completed.

Pending transactions may occur because of:

• Bank authorization procedures.

• Fraud-prevention reviews.

• Alternative payment-method processing.

• Currency conversion.

• Network delays.

• Payment-provider verification.

If the payment is not completed, the pending authorization may later disappear from your account.

The time required to release a pending authorization is determined by your bank or payment provider.

Payment Verification and Fraud Prevention

To protect customers and our business, we may review orders for fraud, unauthorized activity, or payment risk.

We may request additional information to verify:

• The identity of the purchaser.

• Ownership of the payment method.

• Billing information.

• Shipping information.

• The legitimacy of the transaction.

We reserve the right to place an order on hold, limit it, or cancel it if:

• Payment information cannot be verified.

• The order appears fraudulent or unauthorized.

• The billing and shipping details raise security concerns.

• The payment provider flags the transaction.

• The order appears to involve promotion abuse, unauthorized resale, or other prohibited activity.

• Additional verification is requested but not provided.

Where an order is cancelled after payment has been captured, the amount paid will be refunded according to our Refund Policy.

Pricing Errors

We make reasonable efforts to ensure that prices, discounts, and totals displayed on the website are accurate.

However, typographical, technical, promotional, or pricing errors may occasionally occur.

If an order is affected by an obvious pricing or payment error, we may:

• Contact you to confirm the corrected price.

• Cancel the affected item or order.

• Issue a full refund for any cancelled item.

• Offer you the opportunity to place a new order at the correct price.

We are not required to fulfil an order at an obviously incorrect price where applicable law allows cancellation.

Discounts and Promotional Codes

Discount codes must normally be entered and successfully applied before checkout is completed.

Customers are responsible for checking that a discount appears in the order summary before submitting payment.

Unless expressly stated otherwise:

• Discounts cannot be applied after an order has been completed.

• Promotional codes cannot be exchanged for cash.

• Promotional codes may have expiry dates.

• Promotional codes may be limited to selected products or customers.

• Multiple promotions may not be combined.

• Discount codes may be limited to one use per customer, household, account, payment method, or address.

Orders involving promotional abuse, duplicated accounts, automated purchasing, or unauthorized resale may be cancelled.

Additional promotional conditions may be displayed on the website, product page, cart, advertisement, or checkout.

Taxes, Customs, and Import Charges

Taxes may be calculated and collected during checkout where required.

International orders may also be subject to customs duties, import taxes, brokerage fees, or other charges imposed by the destination country or shipping carrier.

Unless expressly collected during checkout, those charges are the customer’s responsibility.

Additional information about international charges is available in our Shipping Policy.

Refunds

Approved refunds are normally issued to the original payment method used to place the order.

Refund processing is subject to our Refund Policy.

Once we issue a refund, the time required for it to appear in your account depends on your:

• Bank.

• Card issuer.

• PayPal account.

• Digital wallet.

• Payment provider.

We do not control bank or payment-provider processing times.

If the original payment method is no longer available, contact us at hello@paddockdream.com.

Alternative refund methods may be offered only where permitted and appropriate.

Duplicate Charges

In some situations, a customer may see what appears to be a duplicate payment.

One entry may be a temporary authorization hold rather than a completed transaction.

Before contacting us, review whether each charge is marked as pending or completed.

If you believe you were charged more than once for the same order, contact:

hello@paddockdream.com

Please include:

• Your full name.

• Your order number.

• The amount of each charge.

• The date of each charge.

• A screenshot showing the charges, with sensitive financial information hidden.

Do not send us your complete card number, security code, or online-banking password.

Chargebacks and Payment Disputes

Before submitting a chargeback or payment dispute, please contact us at hello@paddockdream.com so we have an opportunity to resolve the issue.

When responding to a payment dispute, we may provide the relevant payment provider or financial institution with:

• Order information.

• Tracking information.

• Delivery confirmation.

• Customer communications.

• Refund records.

• Website acceptance records.

• Fraud-prevention information.

Submitting a knowingly false, misleading, or abusive chargeback may violate our Terms of Service.

Nothing in this policy limits your right to dispute a genuinely unauthorized or improper transaction.

Payment Information and Privacy

Personal and payment-related information is processed according to our Privacy Policy.

Payment information may be shared with Shopify, payment processors, fraud-prevention providers, banks, and other service providers where necessary to process, verify, secure, or refund a transaction.

We do not sell complete payment-card information.

Changes to This Payment Policy

We may update this Payment Policy to reflect changes in:

• Available payment methods.

• Payment processors.

• Fraud-prevention procedures.

• Currency options.

• Business operations.

• Legal or regulatory requirements.

Changes will be published on this page with an updated revision date.

The payment terms shown during checkout and in effect when an order is placed will generally apply to that transaction, except where applicable law requires otherwise.

Contact Information

For payment-related questions or issues, contact us at:

Trade name: Paddock Dream
Legal entity: ECOMGMD
Email: hello@paddockdream.com
Registered address: 8206 Blvd Louisiana, Albuquerque, New Mexico 87113, United States

For your security, never send your complete payment-card number, security code, banking password, or other sensitive financial credentials by email.