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There is Fraud on my Credit Card

We only use trusted and 100% secure credit card processors that use more features than standard merchant accounts, including data encryption for safe and secure online credit card processing.

As an added security measure, we also do NOT keep any sensitive customer information on our servers. As soon as an order is shipped (which is within 24 hours 99% of the time), we encrypt customer’s credit card information. Then, the only sensitive information in relation to any transaction with us, is directly on the credit card company’s servers.

They also require specific password configurations from us, and also
ensure that we rotate them every 30 days.

Most importantly, though, we don’t store any credit card information in our databases; the only place the credit card information is stored, is at the credit card processor itself. We rotate our usernames and passwords once a week, and are constantly monitoring and scanning for any suspicious activity.

We also have a company that monitors our website 24 hours a day, 7 days a week for any hack attempts.

If your information is compromised, more often than not, hackers get a hold of information before it reaches our servers, either through spyware, Trojans, or other malicious software on our customer’s machines. If you are ever unsure if your own system is free from viruses, you can call us to place your order over the phone and we’ll use our secure system to enter the information for you.

Some banks charge their cardholders an additional fee for offshore transactions or for International Transaction Charges. This is the cardholder’s bank charging them for processing with a bank outside of the US and is outside of our control. If you have any questions or concerns, please contact us FIRST. It is a good idea to contact your bank ahead of time to let them know you are expecting a charge on your card as some banks may decline an offshore charge.

WAIT WILL I BE CHARGED AN INTERNATIONAL FEE?

Some banks charge their cardholders an additional fee for International Transaction Charges. This is the cardholder’s bank charging them for processing with a bank outside of the US and we do not dictate your bank’s policies. If it is assessed to you by your bank, it is often a few cents up to a dollar because it is a currency conversion fee. This is very rare.

In the rare case that your bank charges this fee, we do not receive any part of that fee; it goes to your bank.

We’re working on easier solutions for order processing, and we do understand and appreciate the customers who understand why we had no choice but to change our credit card processing policies, and still continue to make purchases from us. These changes have been happening to a lot of companies in similar businesses to ours; it is nice to know that we are not alone.

The owner of the company posted a personal letter to all of our customers explaining the situation in detail, and it will certainly clarify many topics and help you understand our position better: http://shamansgarden.com/t-open_letter_cc.aspx

I do apologize if you experience any inconveniences by ordering from us, and let us know if you have any other questions or concerns.

A DECLINED ORDER AND COMPROMISED CREDIT CARD

If your charge is declined, it’s your bank that declined the charge. Only your bank or credit card company will be able to provide the reason that they declined the transaction, because on our end it shows as a simple ‘Declined By Bank’. Reasons can vary from insufficient funds, incorrect billing address, or that the purchase was unusual activity (for example, you usually do not make large purchases online).

As explained on the invoice, for Shaman’s Garden orders, credit cards will reflect a charge to one of the following:

If one of the above showed on your statement, or was attempted, that charge was for your Shaman’s Garden order. If other charges show on your credit card statement for purchases that you did not make, please let your bank know.

You will also want to verify the connection and security of your home computer system since the most common reason (other than compromised data from OTHER merchants) is a virus on your own system. If your information is compromised, more often than not, hackers get a hold of information before it reaches our servers, either through spyware, Trojans, or other malicious software on our customer’s machines. If you are ever unsure if your own system is free from viruses, you can call us to place your order over the phone and we’ll use our secure system to enter the information for you.

We only use trusted and 100% secure credit card processors that use more features than standard merchant accounts, including data encryption for safe and secure online credit card processing. We also have a company that monitors our website 24 hours a day, 7 days a week for any hack attempts.

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