At North Gem, we believe every purchase should come with clear, transparent payment terms and straightforward billing. This Payment Policy explains which payment methods we accept, how transactions are processed and verified, how tax is calculated, and what happens when a refund is approved.

Unless otherwise noted, every price shown on our website is listed in Canadian Dollars (CAD, $).

We are currently operating only within Canada, and all of our policies apply to Canada at this time. In the future, if we begin operating internationally, our policies will be updated accordingly.

Payment Methods We Accept

We currently accept the following payment options at checkout:

• Visa
• Mastercard
• American Express
• Discover
• PayPal

Only the payment methods actively displayed at checkout can be used to complete your order. If your preferred method isn’t listed, it currently isn’t supported for purchases through our store.

Authorizing Your Payment

When you place an order with us, you’re giving both North Gem and our payment processing partners permission to charge the total amount shown at checkout, including any applicable shipping fees and tax.

Before an order is accepted, your payment may go through a series of checks, including authorization, identity verification, and fraud screening. Submitting an order does not automatically mean your payment has been approved or that your order has been accepted. Confirmation only happens once these checks are successfully completed.

Pricing and Currency

Every price you see on our site, including product costs, shipping fees, and applicable tax, is displayed in CAD. We encourage you to review your order summary closely before finalizing your purchase, paying particular attention to your billing details, shipping address, and selected payment method.

Keeping Your Payment Secure

All transactions on our site are handled by established third-party payment processors that use industry recognized security protocols to protect your information during checkout.

North Gem does not retain your full card details or banking information on our own servers. That data is handled directly by our payment partners under their own security standards.

While we take reasonable steps to safeguard every transaction, no online payment system, no matter how secure, can promise complete immunity from every possible risk.

Reviewing and Verifying Orders

To protect both our customers and our business from fraudulent activity, some orders may go through an additional review step before they’re released for shipment. This review can involve confirming your payment details, cross checking your billing information, validating your shipping address, or, in certain cases, requesting further proof of identity.

If we’re unable to complete this verification successfully, your order may be delayed, we may reach out for more information, or the order may need to be cancelled altogether.

When a Payment Doesn’t Go Through

If a payment attempt is declined or fails to process, we won’t be able to move forward with your order until a successful payment is received.

Declined payments can happen for a number of reasons, such as authorization holds placed by your bank, restrictions on your account, incorrect billing details, or insufficient available funds. We’d suggest reaching out to your bank or payment provider directly before trying to complete the purchase again.

Tax and Other Charges

Where required by law, applicable Canadian federal and provincial sales tax is automatically calculated and included in your order total based on your shipping address. This amount is always shown clearly during checkout, before you’re asked to confirm and submit payment.

How Refunds Work

Refunds, once approved, are always issued back to the same payment method that was originally used to place the order. We’re unable to redirect a refund to a different card, account, or payment method.

Full details on refund eligibility, timelines, and the return process itself can be found in our Return Policy and Refund Policy.

Order Holds for Suspicious Activity

We reserve the right to review, flag, or place a hold on any order that raises concerns during our verification process or shows signs of an unusual purchasing pattern. Depending on the situation, this might mean temporarily pausing the order while we investigate, reaching out to request further verification from you, or cancelling the order entirely.

Payment Disputes and Chargebacks

If you believe there’s been an error with a charge on your account, we encourage you to contact our support team directly first so we can look into it and work toward a resolution. Filing a chargeback with your bank without reaching out to us first can slow down the process and may result in your account being flagged for future orders.

Contact Us

If you have any questions about payments, billing, or this policy, our team is ready to help.

Business Name: North Gem
Email: support@northgem.store
Phone: +1 403-784-4048
Business Address: 2510 Centre N St, Calgary, AB, T2E 2V2, Canada
Customer Support Hours: Monday to Saturday, 9:00 AM to 5:00 PM
Time Zone: GMT-06:00
Live Chat: Available 24/7

For further assistance, feel free to visit our Contact Us page. You may also find helpful information in our FAQs, Privacy Policy, and Terms of Service.