Credit Card Processing Policies for Online Purchases
Last updated: October 10, 2025
1. Scope & Applicability
These policies apply to all online purchases made through the Tri-Pac Industrial Supply e-commerce
platform (website and mobile). They govern authorizations, captures (final charges), verification,
refunds, and chargebacks, and are incorporated by reference into our Terms of Service.
2. Accepted Payment Methods
We accept major credit and debit cards: Visa, MasterCard, American Express, and Discover. Other
methods (e.g., ACH) may be offered separately and follow different terms.
3. Authorization & Capture
When you place an order, your card is authorized for the total (including taxes, shipping, handling, and
fees). The final charge (capture) occurs when your order is ready to ship. High-value or flagged orders
may be delayed pending verification.
4. Pre-Authorization Holds & Expiration
Your bank may place a temporary hold when payment is submitted. Holds typically last 5–10 business
days, depending on your bank. If an authorization expires before capture, we will contact you to
reauthorize.
6. Order Cancellations & Modifications
If you cancel or modify an order before capture, we will void or adjust the authorization. If cancellation
occurs after capture, refunds are handled per our Refund Policy.
7. Refunds & Returns
Refunds are issued to the original payment method. Depending on the bank, refunds may take 5–10
business days (or longer) to appear. Partial refunds are limited to the returned or canceled portion.
8. Chargebacks / Disputes
If you dispute a charge with your bank, also notify us immediately. Unjustified chargebacks may result
in account suspension and you may be liable for related fees. We reserve the right to contest
chargebacks using transaction records and communications.
9. Currency & Exchange Rates
All transactions are processed in U.S. Dollars (USD). Foreign card conversions are handled by the issuing bank; Tri-Pac Industrial Supply is not responsible for conversion rates or fees.
10. Security & Data Handling
We do not store full card numbers, CVV codes, or sensitive cardholder data on our servers. All payment pages use SSL/TLS encryption and PCI-compliant gateways. Cardholder data in transit or at rest is protected per industry standards.
11. Recurring Orders / Stored Cards
If you save a card for future purchases, we store a secure token via our payment gateway (not the full card number). Before each new order, the card will be reauthorized. You can remove or update stored cards in your account settings.
12. Maximum Order Limits / Declines
We may set transaction limits for certain users, products, or regions. If your card is declined, contact your bank and try again or use an alternative payment method.
13. Notifications & Receipts
Upon authorization or capture, you will receive an electronic receipt at the email address on file. Declined transactions will trigger on-screen and/or email notices.
14. Modification of Policies
We may update these policies at any time. Changes are effective upon posting to this website. Continued use of our payment services constitutes acceptance of the updated policies.
15. Contact for Payment Issues
For payment or billing questions, fraud concerns, or chargeback notices, contact: sales@tpisupplies.com. Include your order number, transaction date, and a brief description of the issue.
Tri-Pac Industrial Supply, LLC
