This Payment Policy applies to all purchases made at Cooper Custom Reel Handles (coopercustomreelhandles.com), operated by Cooper Custom Reel Handles LLC, located at 39 Rouge Road, Rochester, New York 14623, United States. We ship products to customers in the United States and Canada.

This policy is designed to be fully transparent and easy to understand. It explains every aspect of how payments work when you shop with us — from the methods we accept and how your payment is processed, to how we protect your financial information and what happens when something goes wrong. We encourage all customers to read this policy before placing an order so that there are no surprises at any stage of the purchase process.

By placing an order on our website, you confirm that you have read, understood, and agreed to the terms set out in this Payment Policy, as well as our Terms of Service, Refund Policy, and Shipping Policy. If you do not agree with any part of this policy, please do not proceed with placing an order. For questions, you may reach us at coopercustomreels@gmail.com or call us at +1 315-333-0776.

We accept a wide variety of secure payment methods to make checkout as convenient as possible for all of our customers. All payment options listed below are fully active and available at checkout for both United States and Canadian customers. We do not charge any additional fee or surcharge for using any specific payment method.

To avoid any confusion, the following payment methods are not accepted at Cooper Custom Reel Handles at this time:

Our checkout is powered by Shopify, one of the most trusted and widely used e-commerce platforms in the world. The entire checkout process is fast, secure, and straightforward. Below is a clear, step-by-step breakdown of exactly what happens from the moment you decide to purchase to when your order is confirmed and fulfilled.

Understanding when your payment is authorized, captured, and reflected on your account is important. Below is a detailed breakdown of payment processing timelines for all scenarios that may apply to your order.

When you place an order, two distinct events occur:

Cooper Custom Reel Handles processes payments and orders on business days only, which are Monday through Friday, 9:00 AM to 6:00 PM Eastern Standard Time (EST). Orders placed outside of these hours — including weekends, U.S. federal public holidays, and Canadian statutory holidays — will be queued and processed on the next available business day. Your order confirmation email will still be sent automatically on the same day your order is placed, even if processing occurs the following business day.

All product prices displayed on our website and all charges processed at checkout are in United States Dollars (USD). This applies to all customers, including those ordering from Canada. If you are a Canadian customer, your bank or payment provider will convert the USD amount to Canadian Dollars (CAD) at the exchange rate applicable at the time of the transaction. Cooper Custom Reel Handles does not set, control, or benefit from exchange rates. Any foreign exchange fees, conversion charges, or international transaction fees applied by your bank are your responsibility and are not refundable by us.

We are legally required to collect applicable sales tax on orders shipped to addresses within the United States. Sales tax rates are determined by the state and, in some cases, the local jurisdiction to which the order is being delivered. Tax is calculated automatically at checkout using current tax rates and displayed clearly in your order summary before you confirm your purchase. The tax amount shown is final and legally required — we do not mark up or alter tax amounts in any way.

Tax rates may vary and are subject to change in accordance with applicable U.S. state and local tax laws. Certain products may be exempt from sales tax in specific states. If you have questions about the tax applied to your specific order, please contact your state's department of taxation or reach out to us at coopercustomreels@gmail.com.

For orders shipped to Canada, applicable Canadian taxes may be collected at checkout based on your province or territory of delivery. These may include:

All applicable taxes are displayed clearly in your order total before checkout is complete. These rates are set by the Canada Revenue Agency and applicable provincial authorities and are not adjustable by us.

Orders shipped from the United States to Canada may be subject to import duties, customs clearance fees, and brokerage charges as assessed by the Canada Border Services Agency (CBSA). These fees are entirely the responsibility of the customer and are not included in the order total shown at checkout. Cooper Custom Reel Handles does not pre-collect, estimate, or guarantee any customs fee amounts, as they are determined solely by Canadian customs authorities based on the declared value and classification of the goods.

The security of your payment information is our top priority. We have implemented multiple layers of industry-standard security measures to protect your financial data throughout every step of the payment process.

If our systems detect potentially suspicious activity on an order — such as a mismatch between billing and shipping addresses, an unusually high order value, multiple failed payment attempts from the same address, or other fraud indicators — we reserve the right to pause that order and contact the customer directly to request additional identity verification. We may ask for a copy of a government-issued photo ID or verbal confirmation from your bank.

If we are unable to verify the order within a reasonable timeframe, we reserve the right to cancel it and issue a full refund to the original payment method. This is done solely to protect both our customers and our business from fraudulent activity.

A payment can be declined or fail for a variety of reasons, most of which are outside of our control and originate with your bank or card issuer. When a payment is declined, your order will not be placed and no funds will be collected from your account. Below we explain the most common causes and exactly what you should do to resolve the issue.

Once payment is confirmed and your order is placed, we begin processing it promptly. If you need to modify your order — for example, to correct a shipping address, adjust a product specification, or change a quantity — please contact us as soon as possible. The fastest way to reach us is by emailing coopercustomreels@gmail.com with your order number and the specific change you are requesting, or by calling us at +1 315-333-0776 during business hours.

We will make every reasonable effort to accommodate your request. However, we cannot guarantee that modifications can be applied once an order has entered the production, fulfillment, or shipping stage. For custom-made or personalized items, changes may not be possible once the manufacturing process has begun. In those cases, we will notify you promptly and discuss available options.

If you wish to cancel your order, please contact us immediately after placing it. Cancellations requested before fulfillment begins will be processed at no charge, and a full refund will be issued to your original payment method within 5–10 business days. If your order has already been picked, packed, or shipped, cancellation is no longer possible and you will need to initiate a return once you receive the item. Please refer to our Refund Policy for complete details on how returns and refunds are handled.

We reserve the right to cancel any order in the following circumstances. In all such cases, you will be notified promptly by email, provided with a clear explanation, and a full refund will be issued to your original payment method:

When a refund is approved in accordance with our Refund Policy, it is always issued to the original payment method used at checkout. We do not issue refunds by check, cash, or store credit unless the original payment method is no longer accessible or available. The time it takes for a refund to appear on your statement depends on your payment method and financial institution.

Please note that while we initiate refunds promptly, the exact timing of when a refund appears on your account is ultimately controlled by your bank or card issuer's processing schedule, which is outside of our control. If the stated timeframe has passed and you have not received your refund, please first check your account statements carefully and then contact your bank before reaching out to us.

For full eligibility requirements, conditions, and instructions on how to request a return or refund, please review our complete Refund Policy.

A chargeback occurs when a cardholder contacts their bank or card issuer directly to dispute a transaction, rather than first attempting to resolve the issue with the merchant. We strongly encourage all customers to contact us directly before filing a chargeback, as the vast majority of payment-related concerns — including billing errors, shipping delays, and product issues — can be resolved quickly and amicably through direct communication.

To contact us about a payment concern, email coopercustomreels@gmail.com, call +1 315-333-0776, or visit our Contact page. We aim to respond to all inquiries within one business day.

If a chargeback is filed, we will respond formally through the chargeback resolution process provided by Shopify Payments (Stripe) or PayPal. We will submit all available evidence, including order confirmation records, payment transaction data, shipping and tracking documentation, and any customer communication related to the order. We will always cooperate fully and transparently with our payment processors in the dispute resolution process.

Filing a fraudulent chargeback — that is, initiating a dispute for an order that was legitimately placed, accurately described, correctly fulfilled, and properly delivered in accordance with our policies — may be considered fraud and may be reported to the appropriate law enforcement authorities and consumer protection agencies. We reserve the right to take legal action in such cases.

We offer several express payment options that allow eligible customers to complete a purchase quickly and securely without manually entering payment details each time. Below is a detailed explanation of how each digital wallet and express checkout option works when used on our website.

All payments processed at Cooper Custom Reel Handles are handled through Shopify Payments, which is independently certified to PCI DSS Level 1 — the highest tier of the Payment Card Industry Data Security Standard. This certification requires passing a rigorous annual audit conducted by a Qualified Security Assessor (QSA) and demonstrates that our payment infrastructure meets the strictest global standards for the handling, transmission, and storage of cardholder data.

For a complete understanding of how we collect, use, protect, and retain your personal data, please read our Privacy Policy and our Cookie Policy.

All prices listed on our website are in United States Dollars (USD) and are inclusive of the product cost only. Shipping fees and applicable taxes are calculated and added separately at checkout before you confirm your order. We make every effort to ensure that all prices displayed on our website are accurate. In the event of a pricing error, we reserve the right to cancel orders placed at the incorrect price and notify affected customers promptly with a full refund.

We may periodically offer promotional discount codes or coupon codes to customers through our newsletter, social media channels, or other marketing communications. Please note the following rules that apply to all discount codes:

We do not currently offer a price matching guarantee against competitors or third-party marketplaces. All prices at Cooper Custom Reel Handles are set based on our own costs, quality standards, and the value of our custom craftsmanship.

Sale prices and clearance prices are valid only for the duration specified in the promotion. Items purchased at a sale price are subject to the same payment policy as full-price items. Sale prices cannot be applied retroactively to orders placed before the sale began. If you placed an order shortly before a sale was announced and would like to discuss your options, please contact us at coopercustomreels@gmail.com.

Your billing address is the address that is registered with your bank or card issuer — the address associated with the payment card or account you are using to make your purchase. It is used by our payment processor to verify your identity as the authorized cardholder through the Address Verification System (AVS).

Your billing address can be different from your shipping address. For example, if your card is registered at your home address but you want your order delivered to a workplace or a gift recipient's address, you would enter your home address as the billing address and the delivery location as the shipping address.

Entering an incorrect or outdated billing address is one of the most common reasons for payment declines. Our payment processor performs an AVS check that compares the billing address you provide at checkout with the address your card issuer has on file. If these do not match — even minor differences such as a missing apartment number or an incorrect zip code — the transaction may be declined as a security measure to protect against unauthorized use of your payment method.

Please ensure your billing address is entered exactly as it appears on your bank records. If you have recently moved and your bank has not been updated, please update your address with your card issuer before placing your order, or use a payment method such as PayPal or Apple Pay, which use independently verified account information.

Canadian customers should enter their billing address exactly as it appears on their bank or credit card statement, including the correct Canadian postal code in the standard A1A 1A1 format. If you are using a Canadian card to pay in USD, ensure that your card is authorized for international transactions by contacting your card issuer before placing your order.

If you believe that a charge on your account from Cooper Custom Reel Handles is incorrect — for example, you were charged a different amount than shown at checkout, you were charged more than once for the same order, or you see a charge for an order you did not place — please take the following steps immediately:

If you see a charge from Cooper Custom Reel Handles that you did not authorize and you have no record of placing an order with us, please contact us immediately at coopercustomreels@gmail.com or +1 315-333-0776. We will work with you to investigate the charge. You should also contact your bank or card issuer directly, as unauthorized charges may indicate that your payment card has been compromised, and your bank can take steps to protect your account.

In rare cases, customers may see what appears to be a double charge for a single order. This is almost always caused by a pending authorization hold that has not yet cleared. Our system captures payment only once per order. If you have waited more than 5 business days and you believe you have genuinely been charged twice for one order, please contact us with your order number and bank statement evidence and we will investigate and resolve the matter promptly.

If you have any questions, concerns, or comments regarding this Payment Policy or any payment-related matter, please do not hesitate to reach out to us through any of the following channels. We are committed to responding to all inquiries promptly and professionally.