Payment Policy
Last Updated: August 20, 2026
At Laura & Lucy, operated by Vellaro Group LLC, we are committed to providing a secure, clear, and transparent checkout experience.
This Payment Policy explains the payment methods we accept, the currency used on our store, how payments are authorized and processed, and how refunds and payment-related issues are handled.
By placing an order through Laura & Lucy, you agree to the terms described in this Payment Policy.
1. Accepted Payment Methods
Laura & Lucy accepts the following payment methods through our online checkout.
Credit Cards
We accept major credit cards, including:
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Visa
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Mastercard
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American Express
Accelerated Checkout Methods
Eligible customers may also pay using:
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Apple Pay
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Google Pay
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Shop Pay
The payment methods available for your specific order will be displayed during checkout.
Availability of Apple Pay, Google Pay, or Shop Pay may depend on factors including your device, browser, account eligibility, location, and checkout configuration.
We currently do not intentionally offer payment through:
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PayPal
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Bank transfer
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Cash
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Checks
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Money orders
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Cryptocurrency
If additional payment methods become available in our checkout, the payment options displayed during checkout will determine which methods can be used for that transaction.
2. Currency
All prices for customers purchasing through our United States store are displayed and processed in:
United States Dollars (USD / $)
Product prices, applicable discounts, shipping charges, taxes, order totals, and refunds are presented in USD unless clearly stated otherwise.
We aim to maintain the same applicable product price and currency throughout:
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Product pages
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Shopping cart
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Checkout
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Order confirmation
If your credit card issuer or financial institution uses another currency, your financial institution may perform a currency conversion or charge a foreign transaction fee.
Any currency conversion charges or fees imposed directly by your financial institution are determined by that institution and are not controlled by Laura & Lucy.
3. Product Prices
We make reasonable efforts to ensure that all product prices displayed on our website are accurate.
The applicable product price will be displayed before you complete your order.
Before submitting payment, you will have an opportunity to review your:
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Products
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Quantities
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Product prices
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Discounts
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Shipping charges
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Applicable taxes
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Final order total
We do not intentionally add undisclosed product or service charges after you submit your order.
4. Shipping Charges
We currently offer:
Free Standard Shipping — $0.00
on eligible orders shipped within the United States, in accordance with our Shipping Policy.
There is currently no minimum purchase requirement for our standard free shipping offer.
Please review our Shipping Policy for complete information regarding processing times, transit times, delivery estimates, and shipping eligibility.
5. Sales Tax
Applicable sales tax may be calculated during checkout where required.
The amount of sales tax charged may depend on factors including:
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Your shipping destination
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The products ordered
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Applicable state and local tax requirements
Any applicable tax will be displayed as part of your order total before you complete payment.
6. Payment Authorization
When you submit an order, you authorize the applicable payment provider to charge or authorize the total amount displayed at checkout using your selected payment method.
Your payment must be successfully authorized before we can accept and process your order.
Payment authorization may fail for reasons including:
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Incorrect payment information
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Expired payment credentials
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Insufficient available credit
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Incorrect billing information
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Billing address mismatch
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Security verification failure
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Fraud-prevention checks
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Restrictions placed by your card issuer or payment provider
If your payment is declined, we recommend verifying your payment information and contacting your card issuer or payment provider if necessary.
Laura & Lucy does not control authorization decisions made by your card issuer or payment provider.
7. Secure Checkout
Our online store is powered by Shopify.
Payments are completed through Shopify's checkout and applicable authorized payment providers.
Our checkout uses secure HTTPS connections and security technologies designed to protect information transmitted during the payment process.
Customers should enter payment details only through our official checkout.
We will never ask you to send your complete credit card number or card security code by email, social media message, or another unsecured communication channel.
8. Payment Card Security
Credit card information entered during checkout is processed through Shopify and applicable payment providers.
Laura & Lucy does not intentionally collect or store complete credit card numbers or card security codes on its own business systems.
We may receive limited payment and transaction information necessary to manage your order, such as:
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Payment status
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Transaction reference
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Card brand or payment method
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Order amount
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Billing information
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Limited card information provided by the payment processor, such as the last digits of the card
Complete payment credentials are handled through the applicable payment processing infrastructure.
9. PCI DSS and Payment Security
The Payment Card Industry Data Security Standard, commonly known as PCI DSS, establishes security requirements for systems that process payment card information.
Our online store is powered by Shopify, which maintains payment and ecommerce infrastructure subject to applicable payment security standards.
We use Shopify and applicable payment providers to process customer payment information rather than intentionally storing complete payment card credentials on our own systems.
10. Apple Pay
Apple Pay may be available to eligible customers using supported Apple devices and browsers.
When Apple Pay is available, customers may select it during checkout to complete their purchase using payment information stored through Apple Pay.
Apple Pay availability may depend on:
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Device compatibility
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Browser compatibility
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Customer location
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Payment eligibility
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Checkout configuration
If Apple Pay is not displayed during checkout, it may not be available for that particular customer, device, or transaction.
11. Google Pay
Google Pay may be available to eligible customers using supported devices and browsers.
When Google Pay is available, customers may select it during checkout to complete their purchase using an eligible payment method associated with Google Pay.
Google Pay availability may depend on:
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Device compatibility
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Browser compatibility
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Customer location
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Payment eligibility
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Google account or wallet configuration
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Checkout configuration
If Google Pay is not displayed during checkout, it may not be available for that particular customer, device, or transaction.
12. Shop Pay
Shop Pay may be available as an accelerated checkout option for eligible customers.
Shop Pay allows eligible customers to use payment and checkout information stored with Shopify to complete purchases more efficiently.
When using Shop Pay, customers may be required to verify their account or transaction through Shopify.
Shop Pay availability may depend on eligibility and checkout configuration.
13. Payment Verification and Fraud Prevention
To protect our customers and our business, orders may be subject to payment verification and fraud-prevention checks.
Laura & Lucy, Shopify, card processors, payment providers, and applicable fraud-prevention providers may evaluate transaction information for signs of:
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Unauthorized payment activity
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Fraud
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Identity inconsistencies
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Billing inconsistencies
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Suspicious purchasing activity
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Other security risks
In certain circumstances, we may contact you to verify information related to an order.
We reserve the right to decline or cancel an order when we reasonably believe that the payment is:
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Unauthorized
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Fraudulent
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Unlawful
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Subject to a material security concern
If an order is cancelled after payment has already been collected, the applicable amount will be refunded to the original payment method.
14. Failed or Declined Payments
If your payment is declined, please verify that:
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Your payment information is correct.
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Your payment method has not expired.
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Your billing address is correct.
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You have sufficient available funds or credit.
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Your payment method supports online transactions.
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Your card issuer or payment provider has not blocked the transaction.
You may try another accepted credit card or, where available:
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Apple Pay
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Google Pay
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Shop Pay
If the issue continues, please contact your card issuer or payment provider for assistance.
15. Duplicate or Pending Charges
Depending on your bank, card issuer, or payment provider, a payment authorization may temporarily appear as pending.
A pending authorization does not necessarily mean that you have been charged multiple times.
If you believe you have been incorrectly charged more than once for the same order, please contact us at:
Please include your order number and relevant transaction information, but do not send your complete credit card number or card security code.
We will review the transaction information available to us and assist you where appropriate.
16. Order Confirmation
After successfully placing an order, you should receive an order confirmation using the contact information provided during checkout.
Your order confirmation should include relevant information regarding your purchase.
Please review the confirmation carefully.
If you notice an error, please contact us as soon as possible at:
We cannot guarantee that changes can be made after an order has entered processing or has shipped.
17. Pricing Errors
Although we make reasonable efforts to maintain accurate pricing, genuine technical, typographical, or system errors may occasionally occur.
If a material pricing error affects your order, we may contact you before fulfillment to explain the issue.
Where appropriate, you may be provided with the option to:
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Continue with the order at the corrected price; or
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Cancel the affected order.
If an affected order is cancelled after payment has already been collected, the applicable amount will be refunded to the original payment method.
Nothing in this section limits rights available to you under applicable law.
18. Discounts and Promotional Codes
From time to time, Laura & Lucy may offer discounts or promotional codes.
Promotions may be subject to additional terms, including:
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Eligibility requirements
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Expiration dates
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Product exclusions
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Minimum purchase requirements
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Usage limitations
Unless otherwise stated, promotional codes must be applied before completing checkout.
A discount that has been successfully applied will be reflected in the order total displayed before payment.
Promotional offers generally cannot be applied retroactively after an order has been completed unless we specifically state otherwise.
19. Order Cancellations
If you wish to cancel an order, please contact us as soon as possible at:
We cannot guarantee that an order can be cancelled after processing has begun or after the order has shipped.
If we successfully cancel an order after payment has been collected, the applicable amount will be refunded to the original payment method.
If your order has already shipped, please follow our Return & Refund Policy for information regarding eligible returns.
20. Refunds
Eligible refunds are handled according to our Return & Refund Policy.
Approved refunds will be issued to the original payment method used for the purchase.
This applies whether the original payment was made by:
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Credit card
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Apple Pay
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Google Pay
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Shop Pay
Once your return has been received, inspected, and approved, we aim to issue the refund to your original payment method within 10 business days.
After a refund has been issued by us, your card issuer or payment provider may require additional processing time before the refund appears in your account.
If more than 15 business days have passed since your refund was approved and you have not received it, please contact:
21. Chargebacks and Payment Disputes
If you believe there is an issue with a charge from Laura & Lucy, we encourage you to contact us first so that we can review the transaction and attempt to resolve the issue.
Contact us at:
Please provide:
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Your name
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Order number
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Description of the issue
Do not send complete credit card details by email.
Nothing in this section limits any rights you may have to dispute a charge with your card issuer or payment provider under applicable law.
22. Privacy and Payment Information
We take customer privacy seriously.
Personal and transaction information may be processed by Laura & Lucy, Shopify, payment providers, fraud-prevention providers, and other service providers where reasonably necessary to:
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Process your payment
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Process your order
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Prevent fraud
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Provide customer support
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Fulfill orders
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Process cancellations
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Process refunds
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Comply with applicable legal obligations
We do not intentionally sell complete payment card information.
For more information about how personal information is collected, used, processed, and disclosed, please review our Privacy Policy.
23. Third-Party Payment Services
Apple Pay, Google Pay, Shop Pay, credit card networks, card issuers, Shopify, and other payment providers may maintain their own terms, privacy practices, eligibility requirements, and security procedures.
Your use of a third-party payment service may therefore also be subject to the applicable provider's terms and privacy practices.
Laura & Lucy does not control fees charged directly by your bank, card issuer, or payment provider, including any applicable foreign transaction or currency conversion fees.
24. Changes to This Payment Policy
We may update this Payment Policy from time to time to reflect changes to:
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Accepted payment methods
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Payment providers
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Checkout functionality
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Security practices
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Business operations
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Applicable legal requirements
The current version of this Payment Policy will be published on this page.
When changes are made, we will update the Last Updated date at the top of the policy.
25. Contact Information
If you have questions about payments, charges, refunds, or an order, please contact us.
Store Name: Laura & Lucy
Legal Company Name: Vellaro Group LLC
Business Address:
5830 E 2nd St, Ste 7000
Casper, WY 82609
United States
Warehouse Address:
1302 Skyline Rd
Laramie, WY 82070
United States
Important: Our warehouse address is provided as business information and is not automatically a return address. Please follow our Return & Refund Policy and contact us before returning merchandise.
Email: info@lauraandlucy.com
Phone: +1 (307) 317-8052
We aim to respond to customer inquiries within 24 hours.