1. Scope

This policy covers payments for orders in the Swiss DynaTag webshop at shop.dynatag.ch and shop.dynatag.com/ch for delivery to Switzerland or Liechtenstein.

It supplements our terms and conditions. The prices, payment terms and deadlines displayed and contractually agreed for your order remain applicable. Individual agreements and mandatory statutory rights are reserved.

2. Accepted payment methods

Depending on availability at checkout, we offer the following payment options:

• Credit and debit cards through Stripe: particularly Visa, Mastercard and American Express, where offered in the payment form.
• TWINT
• PayPal
• Bank transfer / advance payment
• Payment by invoice: exclusively for verified business customers, where expressly offered or individually agreed.

You can see which methods are available for your order and billing currency before completing the order. Availability may also depend on the requirements of the payment service concerned.

We do not accept cash on delivery, cryptocurrencies, money orders or personal cheques. If your preferred method is unavailable, select an offered alternative or contact us before ordering.

3. Prices, currency and fees

The display and billing currencies offered are Swiss francs (CHF) and, where selectable in the shop, euros (EUR). The billing currency shown at checkout applies. An additional currency display alone does not mean every payment method is available in that currency.

Consumer prices include legally applicable VAT. Shipping charges and any other permissible costs are disclosed before the binding order. You can check the total in the order summary.

We do not impose subsequent payment fees that were not disclosed before ordering. Fees charged by your bank or payment provider under its own agreement with you, such as currency conversion fees, follow its terms.

Where conversion takes place, the amount charged by your bank or provider may differ from an indicative currency display. Check the displayed currency and amount before authorising payment.

4. Payment processing and order handling

For online payments, approval, authorisation or charging depends on the method selected and the conditions displayed during payment. A temporary card hold may be distinct from a final charge.

Order acceptance and contract formation follow the terms and conditions: we accept your order when you receive our order confirmation email. A message in the payment window or a card hold is distinct from that order confirmation.

For advance payment, we dispatch after receipt of full payment. Where payment by invoice is expressly agreed, the agreed payment periods and delivery terms apply.

Processing time and order cut-off

Orders received and fully paid before 12:00 noon Zurich local time (CET/CEST) on a processing day are generally processed that day. Later orders are normally processed on the next processing day. Processing days are Monday to Friday, excluding public holidays at the dispatch location.

Same-day processing does not promise same-day dispatch or delivery. For in-stock goods, the total estimated delivery time described on our shipping page is generally 2–5 working days from receipt of payment. Additional production time, agreed approvals and differently agreed periods must still be considered.

5. Bank transfer and advance payment

If you select bank transfer / advance payment, the bank details and payment information applicable to your order are emailed to you after you complete the order.

• Transfer the full invoice amount in the specified billing currency.
• Use the order number or the payment reference provided as the transfer reference.
• Check the recipient, account details and amount before authorising the transfer.
• Allow for your bank’s processing time; instructing a transfer does not yet mean we have received payment.

Preparation and dispatch depend on actual receipt of payment and the agreed delivery terms. Missing references or a payment differing from the expected amount may require manual allocation.

If you unexpectedly receive changed bank details or doubt a payment request, contact us using our known contact details before transferring money.

6. Payment by invoice for business customers

Verified business customers may pay by invoice where we expressly offer or individually agree this method. There is no general entitlement to payment by invoice.

To enquire, write to support@dynatag.com, identifying your company and the desired order and billing details. We inform you whether invoice payment is possible and which terms apply.

The due date, payment period and any other expressly agreed conditions follow the quotation, agreement and invoice. This policy does not grant a general additional payment period.

7. Invoices and records

For ordinary prepaid orders, we email a digital invoice after receipt of payment. For agreed invoice purchases, the invoice is issued and made available for payment according to the agreed process.

Where the relevant customer account function is available, you can also download invoices alongside your orders. If a document is missing or inaccessible, contact us with your order number.

The invoice states the information required for the transaction and legally applicable VAT. Our VAT number is CHE-454.072.787.

Check your billing address before ordering. Contact us promptly if a correction is needed. Corrections comply with legal and accounting requirements; issued invoices are not arbitrarily overwritten.

8. Payment security and privacy

The webshop uses HTTPS with TLS encryption for transmission. The selected payment provider’s security procedures also apply during payment. Encryption does not guarantee that every security risk is excluded.

Card payments are processed through Stripe. Stripe states that it is certified as a PCI DSS Level 1 service provider. This must be distinguished from the security and our own obligations concerning the specific shop integration; provider certification does not automatically certify the entire webshop.

Depending on the provider and bank, additional payment confirmation may be required, for example through 3-D Secure, a banking app or the TWINT app. Follow the instructions in the payment process.

For order allocation, accounting and support, we may receive payment status, transaction references and limited payment information supplied by the provider, such as card type or masked card details. Using a payment provider therefore does not mean that we process no payment-related data.

Do not send complete card numbers, card security codes, passwords or confirmation codes by email or contact form. We do not need these details to handle a support enquiry.

Our privacy notice explains which data is transmitted to payment providers, which entities may be involved and which international transfers are possible. Provider information: Stripe, PayPal and TWINT.

9. Checks and fraud prevention

Specific signs of misuse or discrepancies may require additional proportionate checks. We may contact you and request information needed to clarify the matter. Payment providers and banks may carry out their own security checks.

Before contract formation, we may reject an order particularly where there are specific indications of misuse. Payments already made for orders not accepted are refunded.

After contract formation, we cannot arbitrarily cancel an order solely on a general suspicion. Further measures follow contractual agreements and legal conditions. We clarify necessary steps with you where legally possible and compatible with preventing misuse.

A failed payment alone does not prove misuse. Under this policy, technical errors or multiple unsuccessful payment attempts do not automatically result in account suspension.

10. Payment errors and declines

If payment cannot be completed:

• Check the details entered and any confirmation required in your payment or banking app.
• If payment is declined, contact your bank or provider, for example about limits or online payments not being enabled.
• Before trying again, check whether an order confirmation, charge or hold already exists to avoid unnecessary duplicate payments.
• Where appropriate, choose another method offered at checkout.

If payment status is unclear or you notice a possible duplicate charge, write to support@dynatag.com. Provide the order number, payment method, amount and time where known. Send only necessary, appropriately redacted documents and no confidential login details.

We check allocation using available transaction information. Not every temporary card hold is a final charge. Release and display of a hold also depend on the bank.

11. Refunds and chargebacks

11.1 Refund method

Refunds are generally made through the original payment method. Another free refund method may be expressly agreed. Where the original payment was a bank transfer, suitable account details may need confirmation for the refund.

11.2 Deadlines and booking times

The reason, amount and deadline for repayment depend on the claim and our terms and conditions. For voluntary returns satisfying the conditions, we refund the purchase price of returned items within 14 working days of receiving the return. Here, working days mean Monday to Friday, excluding public holidays at the seller’s registered office.

Where a statutory withdrawal right applies, its statutory deadlines govern. In particular, for the withdrawal right for consumers in Liechtenstein described in the terms and conditions, repayment is made without undue delay and no later than 14 calendar days after receipt of the withdrawal notice, subject to legally permitted withholding until receipt of the goods or proof of return.

A subsequent internal “approval” does not start a new blanket refund period. Defect, warranty or other refund claims are subject to their own conditions; the voluntary return period is not applied indiscriminately to all cases.

Our initiation of a refund must be distinguished from its subsequent appearance in your account. Booking and display times depend on the provider, bank and original funding source. We therefore cannot guarantee that every credit will be visible within 14 working days. This does not extend statutory payment obligations.

Where your provider converts currencies, exchange rates and its terms may affect the amount displayed in your account currency. The refund amount we owe follows the contract and statutory requirements.

11.3 Discrepancies and chargebacks

Contact us promptly about unknown, incorrect or duplicate charges so we can investigate. This is not a prerequisite for asserting valid claims with your bank or payment provider.

Contractual or statutory rights to dispute payments, buyer protection or chargebacks remain unaffected. Observe your provider’s applicable deadlines. A chargeback alone does not finally determine whether a contractual claim exists.

12. Contact

For questions about payments, invoices or refunds, contact us at: