Payment Methods

Last Updated: August 2026

At Acaamg (accessible via https://acaamg.com), this page sets out how you can pay, who handles the transaction, and what happens when a payment does not go through.

Handing card details to a small shop you have not bought from before is the part of online shopping people are most reasonably cautious about. The short answer is that we never see them. Everything runs through PayPal’s gateway, and our systems receive a yes or a no and nothing else.

By placing an order you agree to the terms below. If a payment question is not answered here, email us at [email protected] before you order.

Payment at a Glance

Each of those points is explained in the sections below.

Accepted Methods

• PayPal. Pay from a PayPal balance or a funding source linked to your PayPal account.
• Debit card. Any debit card carrying a Visa, Mastercard, American Express, or Discover mark.
• Credit card. Visa, Mastercard, American Express, and Discover.

The PayPal Gateway

Every transaction, including card payments, is processed through PayPal’s gateway, which is PCI DSS compliant. Choosing the card option at checkout takes you to PayPal’s secure form, where you can pay as a guest. A PayPal account is not required and you will not be asked to create one.

Payment Security

We do not store, access, or retain card numbers, expiry dates, or security codes. Those fields exist only on PayPal’s form and are transmitted encrypted directly to them. What reaches us is a confirmation, a transaction reference, and the last four digits of a card for matching a refund to an order.

When You Are Charged

The full amount is taken at checkout, before an order enters the handling queue. An order is not queued until payment is confirmed. There are no partial payments, deposits, or payment plans.

Currency and Foreign Transaction Fees

All prices and all charges are in United States Dollars. If your card is issued outside the United States, your bank may apply its own currency conversion rate and a foreign transaction fee. That charge comes from your issuer, not from us, and we have no visibility into it.

Sales Tax

Sales tax is calculated at checkout where applicable, based on the shipping destination. The total shown on the final screen before you confirm is the total that will be charged.

Failed or Declined Payments

When a payment is declined, nothing is charged and no order is created. Your cart stays as it was so you can try again with a different method.

• A card number, expiry date, or security code entered slightly wrong
• A billing address that does not match what your bank has on file
• Insufficient available funds or a credit limit reached
• An automated fraud block triggered by an unfamiliar merchant
• A card that expired since it was last used

Your bank or PayPal can say which of those applied, since the reason is not passed on to us. If you have checked with them and the payment still will not go through, write to us at [email protected] and we will help you work around it.

Pending Authorizations

A declined or abandoned attempt sometimes leaves a pending authorization on your statement. That is a hold, not a charge, and no money has moved. Issuers usually release these within 3 to 5 business days on their own schedule. If one is still sitting there after a week, contact your bank and we will supply whatever transaction reference they need.

Refunds

Refunds go back to the original payment method through the same gateway. The conditions, the fixed processing commitment, and the bank posting time are all set out in our Return & Refund Policy.

Changes to This Policy

If our accepted methods or processor change, this page is updated and the revision month under the title moves with it.

Payment Questions

If something about a charge on your statement does not look right, tell us before you contact your bank. It is usually quicker to resolve directly.

Thank you for shopping with us, and for giving a good sweater a few more seasons of wear.