Payment & security

What we accept

We accept Visa, Mastercard, American Express and Discover, debit or credit, issued in the United
States or abroad. All prices and charges are in US dollars.

One charge, at the time you order

Every purchase is a single, one-time charge for goods you have chosen. There is no
subscription, no membership, no recurring billing, no stored “card on file” that we can charge later,
and no automatic reorder. If an order is split because one item is delayed, you are still charged once
— we do not bill the second half separately unless you have asked us to.

Freight is quoted and agreed before a pallet ships. We will never add a freight charge to your card
after the fact without your written approval.

What appears on your statement

Card charges from this store appear as:

SQ *ZIRCON SUPPLY CO.

That is the only descriptor we use. If you see it and do not recognise it, it is this store — email
support@zirconsupply.store with the amount and the date and we will identify the order the
same working day.

How your card details are handled

• Card details are entered into a hosted, PCI-DSS compliant payment form served by our
  payment processor, Square. The card number never touches this website’s servers, and we never see,
  store, or have access to a full card number.
• The connection is encrypted end to end with TLS. The card form is isolated from the rest of the
  page, so nothing else running on the site can read what you type into it.
• We keep the last four digits and the card brand against your order so we can identify a payment for
  a refund. That is all we hold.

The checks that run on a payment

• AVS — the billing street number and postal code you enter are checked against the
  records your card issuer holds.
• CVV — the three or four digit security code is verified on every transaction.
• 3-D Secure / SCA — where your issuer requires it, you will be sent to your bank’s
  own verification step (a passcode, an app prompt, or biometric approval) before the payment completes.
  It happens in the payment form, and the order finishes as soon as your bank approves.

A declined payment is almost always the issuer, not us. The most common causes are a billing address
that does not match the card, a card with a per-transaction limit below a freight order, or a bank
blocking a first-time merchant. Your bank can clear all three in one phone call.

Before you dispute a charge

Fraud

If you believe your card has been used here without your permission, email us immediately and contact
your issuer. We will cancel the order, refund the charge, and give you whatever information we hold about
the transaction to support your issuer’s investigation.