Effective Date: 7 March 2026

Fathom and Fury Cigars (“Fathom and Fury,” “we,” “us,” or “our”) uses this Payment & Billing Policy to explain how we charge, bill, and handle payments for retail and wholesale orders placed through our website or directly with us. This policy is in addition to our Terms of Use, Tobacco Sales Policy, Shipping Policy, and Return & Refund Policy.

1. Accepted Payment Methods

We accept one or more of the following payment methods for online orders, as indicated at checkout:

• Major credit and debit cards processed securely through our payment processor (for example, Square or other listed processors).
• Any other methods explicitly shown at checkout or on your invoice (if applicable).

We do not accept cash by mail, personal checks, wire transfers, money orders, or other unlisted payment methods unless expressly agreed to in writing in advance.

2. Retail Orders – When You Are Charged

• For standard online (retail) orders, your payment method is typically authorized and charged at the time you place your order, subject to your bank or card issuer’s policies.
• If we are unable to capture payment (for example, due to insufficient funds, declined card, or processor error), we may cancel or place your order on hold until payment is successfully completed.

We reserve the right to verify payment details and to decline any transaction that appears suspicious, high‑risk, or inconsistent with our fraud‑prevention criteria.

3. Wholesale Orders – Payment Before Shipment

Wholesale orders are subject to stricter payment terms:

• All wholesale orders must be paid in full before shipment. We do not extend credit terms or ship wholesale orders on open account unless a separate, written credit agreement has been executed with us.
• Wholesale orders will not be picked, packed, or shipped until:
  • The total invoice amount (including product, shipping, and any applicable taxes/fees) has been received and cleared.
• If payment is delayed or fails:
  • Inventory may not be held indefinitely, and pricing or availability may change.
  • We may cancel or revise your order if payment is not received within the timeframe stated on your invoice or quote.

Any special wholesale terms, if offered, will be specified in a separate wholesale agreement and will override conflicting provisions here.

4. Pricing, Taxes, and Fees

• Product prices are shown in U.S. dollars and are subject to change at any time without notice.
• Applicable sales tax, use tax, tobacco excise tax, or other required charges will be calculated at checkout or on your invoice based on your shipping/billing address and our Licensing & Tax Notice.
• Shipping charges and any additional service or handling fees will be displayed at checkout or on your wholesale invoice.

You are responsible for any bank fees, foreign transaction fees, or other charges imposed by your financial institution.

5. Billing Information and Address Requirements

• You agree to provide current, complete, and accurate billing information for all purchases, including your name, billing address, and payment details.
• To help prevent fraud and comply with our age and location requirements, we only ship orders to the billing address associated with your payment method, as described in our Shipping and Tobacco Sales Policies.
• If your billing details are incorrect or cannot be verified, we may:
  • Place your order on hold.
  • Request additional verification.
  • Cancel the order if the issue cannot be resolved.

You agree to promptly update your account and billing information so we can complete your transactions and contact you as needed.

6. Fraud Prevention, Verification, and Holds

To safeguard customers and our business, we may use various security and verification measures, including but not limited to:

• Address Verification Service (AVS), CVV checks, and fraud‑screening tools offered by our payment processors.
• Manual review of orders with mismatched billing/shipping data, unusually large orders, or patterns indicative of fraud or unauthorized use.
• Contacting you by email or phone to confirm details before processing or shipping your order.

We reserve the right to cancel or refuse any order or transaction if we believe it may be fraudulent, unauthorized, or in violation of our policies or applicable law.

7. Chargebacks and Disputes

If you have a problem with your order (such as an apparent duplicate charge, incorrect amount, or an issue covered by our Return & Refund Policy), please contact us first so we can investigate and attempt to resolve it.

• Initiating a chargeback with your card issuer without contacting us may delay resolution and may be treated as a dispute of our policies.
• We may dispute unwarranted or fraudulent chargebacks and provide documentation to your card issuer, including proof of delivery, age verification, and your agreement to our Terms and policies.

Repeated or abusive chargebacks may result in refusal of future orders or closure of your account.

8. Refunds and Timing

• Refunds, where permitted by our Return & Refund Policy or as a result of order cancellation, will generally be processed back to the original payment method used for the purchase.
• After we issue a refund, it may take several business days for the credit to appear on your statement, depending on your bank or card issuer. This timing is outside our control.
• We do not refund original shipping charges except where we made an error or are required to do so by law or card‑network rules.

Refund eligibility for cigars, print‑on‑demand items, customized products, and accessories is governed by our Return & Refund Policy.

9. Declined Payments and Non‑Payment

• If your payment is declined or reversed (including via chargeback or dispute) after your order has been processed or shipped, we reserve all legal and equitable rights and remedies, which may include:
  • Cancelling outstanding orders.
  • Refusing future orders.
  • Seeking recovery of amounts owed and associated costs.
• For wholesale customers, any failure to pay as agreed may result in cancellation of pending orders and potential collection efforts as described in any applicable wholesale agreement.

10. Policy Changes

We may update this Payment & Billing Policy from time to time to reflect changes in our practices, payment processors, legal requirements, or industry standards. When we make changes, we will update the Effective Date above. Your continued use of our website, and placement of orders after changes are posted, constitutes your acceptance of the updated policy.