At Baby Coconut, we want your shopping experience to be simple, safe, and stress-free — especially when you're busy caring for your little ones. This Payment Policy explains everything you need to know about how we accept payments, how your billing information is handled, and what to do if you encounter any payment-related issues.

 

We are committed to full transparency in our pricing and payment processes, in accordance with United States consumer protection laws, FTC guidelines, Shopify's platform standards, and Google Merchant Center requirements.

We want to make paying as easy as possible. Baby Coconut currently accepts the following payment methods:

 

•       Major credit and debit cards: Visa, Mastercard, American Express, and Discover

•       PayPal — pay securely using your PayPal account or as a guest

•       Shop Pay — Shopify's accelerated checkout option for faster, saved payments

•       Apple Pay — for eligible Apple device users

•       Google Pay — for eligible Android and Chrome users

•       Any additional payment methods displayed at checkout

All accepted payment methods are displayed clearly at checkout before you complete your order. If your preferred payment method is not listed, please contact us and we will do our best to assist you.

2.1 When Is Payment Charged?

Your payment is processed at the time you place your order. By completing checkout and clicking the order confirmation button, you authorize Baby Coconut to charge the full order amount — including any applicable taxes and shipping fees — to your selected payment method.

You will receive an email confirmation immediately after your order is placed, which serves as your payment receipt. Please save this for your records.

 

2.2 Order Confirmation

Once payment is successfully processed, you will receive:

•       An order confirmation email with your order number and a summary of your purchase

•       A shipping confirmation email with tracking information once your order has been dispatched

 

If you do not receive a confirmation email within a few minutes of placing your order, please check your spam or junk folder, or contact us at support@shopbabycoconut.com.

All prices on the Baby Coconut website are listed and charged in United States Dollars (USD). If you are shopping from outside the United States, your bank or payment provider may apply a currency conversion rate and/or an international transaction fee. These fees are beyond our control and are charged by your financial institution — not by Baby Coconut.

 

We recommend checking with your bank or card issuer if you have questions about currency conversion charges before placing your order.

4.1 Product Pricing

All product prices displayed on our website are in USD and are accurate at the time of listing. Baby Coconut reserves the right to update pricing at any time without prior notice. However, the price you see at the time of checkout is the price you will be charged — we will never change the price of an order after it has been confirmed.

 

4.2 Sales Tax

Sales tax is calculated and applied at checkout based on the applicable laws of your state and local jurisdiction. The tax amount, if any, will be clearly displayed before you finalize your order.

Baby Coconut complies with applicable U.S. sales tax laws, including any economic nexus thresholds established after the South Dakota v. Wayfair ruling. Tax rates vary by location and are calculated automatically at checkout based on your shipping address.

 

4.3 Discounts and Promotional Codes

If you have a valid discount code or promotional offer, you may enter it at checkout before completing your payment. Discounts are applied to the eligible subtotal. Only one discount code may be used per order unless otherwise stated. Promotions cannot be applied retroactively to completed orders.

Your financial security is a top priority for us. All transactions on the Baby Coconut website are protected by industry-leading security measures, including:

 

•       SSL (Secure Socket Layer) Encryption: Our website uses SSL/TLS encryption to protect all data transmitted between your browser and our store. You will see the padlock icon in your browser's address bar, confirming a secure connection.

•       PCI-DSS Compliant Payment Processing: All payments are processed through payment gateways that meet Payment Card Industry Data Security Standard (PCI-DSS) requirements — the highest standard for secure payment handling.

•       Shopify's Secure Checkout: Our store is hosted on Shopify, which uses enterprise-level security infrastructure including fraud detection tools, encrypted data storage, and regular security audits.

•       No Card Data Storage: Baby Coconut does not store, view, or have access to your full credit card number, CVV code, or PIN. This sensitive information is handled entirely by our payment processors.

 

While we take every reasonable precaution to protect your information, we encourage you to use strong, unique passwords for any accounts and to avoid shopping on public or unsecured Wi-Fi networks.

6.1 Failed or Declined Transactions

If your payment is declined or fails at checkout, your order will not be processed, and you will not be charged. Common reasons for payment failure include:

•       Insufficient funds or credit limit reached

•       Incorrect card number, expiration date, or CVV code

•       Billing address does not match the address on file with your bank

•       Your bank or card issuer flagged the transaction for security review

•       Temporary technical issues with the payment gateway

 

6.2 What to Do If Your Payment Is Declined

If you experience a payment issue, here are some steps you can take:

•       Double-check that all card details and billing information are entered correctly

•       Ensure your billing address matches exactly what your bank has on file

•       Try using a different payment method (e.g., PayPal, a different card)

•       Contact your bank or card issuer to confirm there are no restrictions on your account

•       Try clearing your browser cache and cookies, then attempt checkout again

 

If you continue to experience issues, please contact us at support@shopbabycoconut.com or call +1 (904) 728-7620, and we will be happy to help resolve the problem.

 

6.3 Incorrect Charges

If you believe you have been charged an incorrect amount, please contact us as soon as possible with your order number and a description of the issue. We will investigate promptly and work to correct any billing errors in accordance with our refund policy.

To protect both our customers and our business, Baby Coconut uses automated fraud detection tools provided by Shopify and our payment processors. These tools analyze orders for signs of fraudulent activity, such as unusual purchasing patterns, mismatched billing and shipping information, or high-risk payment methods.

 

In cases where an order is flagged as potentially fraudulent, we reserve the right to:

•       Place the order on hold pending further verification

•       Contact you via email or phone to confirm your identity and order details

•       Cancel the order if we are unable to verify its legitimacy

•       Refund any payment made on a cancelled fraudulent order

 

We take these steps to protect our customers from unauthorized use of their payment information. If your order is held for verification, we will contact you promptly and work to resolve the matter as quickly as possible.

 

Baby Coconut is not liable for unauthorized transactions that result from the compromise of your personal account credentials or payment information outside of our platform. We encourage you to report any unauthorized charges to your bank immediately.

We understand that budgeting for your baby's wardrobe matters. Baby Coconut may offer Buy Now, Pay Later (BNPL) or installment payment options at checkout, which allow you to split your purchase into manageable payments over time.

 

Available installment options may include providers such as:

•       Shop Pay Installments — offered through Shopify's integrated BNPL solution

•       Afterpay — split your purchase into four interest-free payments

•       Klarna — flexible payment plans including pay later and installment options

•       Affirm — longer-term financing for larger purchases

 

Availability of BNPL options depends on your location, order total, and eligibility as determined by the provider. Baby Coconut does not manage installment payment agreements — these are handled directly between you and the selected BNPL provider, subject to their own terms, conditions, and credit policies.

 

 

If you choose a BNPL option, please ensure you understand the payment schedule and any applicable fees or interest charges set by the provider before completing your order.

Customer satisfaction is very important to us, and we stand behind the quality of our baby clothing and accessories. If you are not fully satisfied with your purchase, we are here to help.

 

Refunds are handled in accordance with our full Refund & Return Policy, which is available on our website. Here is a brief summary of what to expect:

 

•       Eligible items may be returned within the timeframe specified in our Refund & Return Policy.

•       Refunds are issued to the original payment method used at checkout.

•       Processing times may vary depending on your payment provider.

 

 

To initiate a return or refund, please contact us at support@shopbabycoconut.com with your order number and reason for return. Our team will guide you through the process.

 

Please note: Original shipping charges are generally non-refundable unless the return is due to our error (e.g., wrong item sent, defective product).

If you have any questions, concerns, or need assistance with a payment-related matter, our customer support team is ready to help. Please don't hesitate to reach out — we aim to respond to all inquiries promptly and resolve any issues as quickly as possible.

 

Business Name: Baby Coconut

Website: https://www.shopbabycoconut.com/

Address: 10 E Robert Toombs Ave, Washington, GA 30673, USA

Phone: +1 (904) 728-7620

Email: support@shopbabycoconut.com

Business Hours: Monday – Friday, 10:00 AM – 5:30 PM (Eastern Time)

 

When contacting us about a payment issue, please have your order number ready so we can assist you as efficiently as possible.