Payment Policy

At Library Bookstore 169, every transaction should be straightforward, safe, and transparent. This Payment Policy outlines which payment methods we accept, how charges are processed, how we protect your financial data, and what to do if something goes wrong.

1. Accepted Payment Methods

  • Visa
  • MasterCard
  • American Express
  • Discover
  • PayPal
  • Apple Pay
  • Google Pay

Full payment is required at the time of purchase. Orders are confirmed only after payment is received and verified successfully.

2. Transaction Security

  • SSL Encryption (HTTPS): All data exchanged between your browser and our website is encrypted
  • PCI DSS-Compliant Gateways: Every transaction is routed through payment processors that meet Payment Card Industry Data Security Standards
  • Tokenization: Your card number is converted into a secure token; the actual card data never passes through our systems
  • No Stored Card Details: We do not retain your full card number, CVV, or complete payment credentials on our servers

Fraud Prevention

To protect both customers and our business, we use automated fraud detection, Address Verification Service (AVS), CVV verification, and manual review for orders that trigger fraud alerts. We reserve the right to cancel any order flagged as potentially fraudulent.

3. Currency

All prices and transactions are in USD. Applicable sales tax is calculated at checkout based on your shipping address.

4. Taxes and Fees

Sales tax is calculated automatically at checkout where applicable. The total you see before placing your order is the total you pay; we don’t add hidden handling or processing charges.

5. Payment Processing

When You Will Be Charged

Your payment method is charged when you confirm your order. You’ll receive an Order Confirmation Email containing your order number and receipt.

If Your Payment Is Declined

You’ll be notified immediately at checkout if your payment doesn’t go through. Your order will not be created, and no charge will appear on your account. Common reasons include mismatched billing information, insufficient funds, an expired card, or a temporary technical issue. If the issue persists, email us at [email protected].

6. Refunds and Cancellations

Email [email protected] with your order number as soon as possible. If your order hasn’t shipped, we’ll cancel it and issue a full refund. If it’s already in transit, you’ll need to return the item once it arrives.

Approved refunds are returned to the original payment method used at checkout, typically processed within 7-10 business days of receiving and inspecting your return, plus an additional 3-7 business days for your bank to post the credit. See our Return and Refund Policy for complete details.

7. Payment Disputes and Chargebacks

If you see a charge you don’t recognize or believe is incorrect, please reach out to us at [email protected] before filing a chargeback with your bank.

8. Pre-Authorization Holds

When you place an order, a temporary authorization hold may appear on your account to verify available funds. If the order is cancelled before shipment, the hold is typically released by your bank within a few business days.

9. One Payment Method Per Order

Each order must be paid in full using a single payment method.

10. Pricing Policy

All sales are finalized at the price shown at checkout.

11. Questions

For any questions about payments, billing, or refunds, contact our team at [email protected].

Company Information

Business name: Library Bookstore 169

Address: 169 W Nine Mile Rd, Ferndale, MI 48220, United States

E-Mail: [email protected]

Phone: +1 248-545-4341

Customer Service Opening Hours:

Monday-Friday: 9:00 AM – 5:00 PM

Saturday-Sunday: Closed

Time Zone: Eastern Time (ET)

Response Time: We respond within 1 business day