Payment Policy

PAYMENT POLICY

Last updated: August 22, 2026

At Ella Monterey, we aim to make checkout simple, secure and free of surprises. This policy explains how payments work for orders placed through ellamonterey.com.

ACCEPTED PAYMENT METHODS

We accept the payment methods shown at checkout, which may include:

1. Credit and debit cards (Visa, Mastercard, American Express, Discover)
2. Apple Pay
3. Google Pay
4. Shop Pay
5. PayPal
6. Other secure payment methods displayed at checkout

The methods available to you may vary depending on your device, browser and billing location.

SECURE CHECKOUT

Your payment information is transmitted directly to our payment providers over an encrypted connection and is handled in accordance with the Payment Card Industry Data Security Standard.

Ella Monterey never sees or stores your full card number, expiry date or security code. We receive only confirmation that a payment succeeded or failed, the payment method type and the last four digits of the card.

PAYMENT AUTHORIZATION

By placing an order, you confirm that you are authorized to use the payment method selected and that the billing information you provide is accurate.

If your payment is declined or cannot be authorized, your order will not be processed. Declines are decided by your bank or card issuer, not by us, and we do not receive the specific reason.

You may see a temporary authorization hold on your account before your order is captured. If your order is not accepted, this hold is released by your bank, which usually takes a few business days.

WHEN YOU ARE CHARGED

We charge your payment method when your order is placed. If we are unable to accept or fulfill your order, we will refund you in full to your original method of payment.

PRICES, CURRENCY AND TAX

Prices are shown in U.S. dollars unless stated otherwise at checkout.

The price shown at checkout is the final price for delivery. Any applicable customs duties, tariffs and import fees on items shipped from outside the United States are paid by us. Applicable state and local sales tax is calculated and displayed at checkout where required, before you confirm your order.

BANK AND CARD ISSUER FEES

Ella Monterey is based in the Netherlands. Depending on your bank or card issuer, your purchase may be treated as an international transaction and a foreign transaction fee may be applied, typically between one and three percent.

This fee is charged by your bank, not by us, and we do not receive any part of it. If you would prefer to avoid it, most banks can tell you whether your card carries foreign transaction fees, and many travel and rewards cards do not.

HOW OUR CHARGE APPEARS ON YOUR STATEMENT

Our charge appears on your statement as ELLA MONTEREY. If you see a charge you do not recognize, please contact us before contacting your bank, as we can usually identify the order immediately.

PAYMENT PROBLEMS

If a payment fails, first check that your card number, expiry date, security code and billing address match the details your bank has on file. Most declines are caused by a mismatched billing address or a routine fraud check on an international transaction.

If the problem continues, your bank or card issuer is the only party who can tell you why, and a quick call to them usually resolves it. You are also welcome to contact us at info@ellamonterey.com and we will help where we can.

FRAUD PREVENTION

We use fraud screening tools to protect our customers and our business. We may cancel an order, request additional verification or decline to ship where a transaction shows signs of unauthorized use. If your order is affected, we will contact you and refund any payment taken.

If you believe your payment method has been used without your permission, contact your bank immediately and let us know at info@ellamonterey.com.

REFUNDS

Refunds are issued to your original method of payment and are handled according to our Returns and Refund Policy. We issue approved refunds no later than seven business days after approval. The time it takes to appear on your statement depends on your bank or card issuer, and is usually within one billing cycle.

We cannot refund to a different card or payment method than the one used for the original order.

CONTACT

Email: info@ellamonterey.com
We respond within 1-2 business days, Monday through Friday.