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Payment Policy

Last updated: August 2026

Accepted Payment Methods

Smartphone NYC accepts the following payment methods at checkout:

  • Credit cards: Visa, Mastercard, American Express, Discover
  • Digital wallets: Apple Pay, Google Pay, Shop Pay

All payment methods listed above are genuinely available at checkout. We do not accept cash, checks, money orders, wire transfers, or cryptocurrency.

Currency

All prices on Smartphone NYC are displayed and charged in US Dollars (USD). If your card is issued in another currency, your card issuer will convert the charge at their applicable exchange rate.

When Your Payment Is Charged

Your payment method is authorized and charged at the time you place your order. You will receive an order confirmation email immediately after successful payment processing.

If a payment authorization fails, your order will not be placed and you will not be charged. Please verify your billing information and try again, or use a different payment method.

Payment Security

All transactions on Smartphone NYC are processed through industry-standard SSL/TLS encryption (256-bit). Our checkout is secured via HTTPS at all times.

We do not store your full credit card number on our servers. Payment data is handled by our payment processor in accordance with PCI DSS (Payment Card Industry Data Security Standard) compliance requirements.

You will never be asked to provide payment information via email, phone, or social media. If you receive such a request claiming to be from us, please report it to support@smartphone-nyc.com immediately.

Sales Tax

Smartphone NYC is required to collect sales tax for orders shipped to states where we have nexus. The applicable tax amount, if any, will be calculated and displayed at checkout before you complete your purchase.

Some product categories may be exempt from sales tax in certain states. The tax shown at checkout reflects the actual amount due based on your shipping destination and the products in your order.

Note: ic order — not a blanket exemption from all taxes. The actual tax (if any) is always shown transparently at checkout before you pay.

Authorization Holds

When you submit a payment, your bank may place a temporary authorization hold for the order amount. This hold will be released if your order is cancelled before shipment. Authorization holds are managed by your bank and typically clear within 3–5 business days if the charge does not go through.

Failed or Declined Payments

If your payment is declined:

  • Check that your billing address matches your card's registered address
  • Verify your card number, expiration date, and CVV are entered correctly
  • Contact your bank to confirm no fraud block is in place
  • Try a different card or payment method

If you continue to experience payment issues, contact us at support@smartphone-nyc.com or +1 (718) 676-4776 and we will assist you.

Fraud Prevention

For the protection of our customers, orders may be subject to additional identity verification if our fraud detection systems flag a transaction. In such cases, we may contact you by email before fulfilling the order. Orders identified as high-risk may be cancelled and refunded at our discretion.

Refunds to Payment Method

Approved refunds are returned to the original payment method used at checkout. Refund processing times:

  • Credit/debit cards: 5–7 business days after we process the refund, plus 3–5 additional business days for your bank to post it
  • Apple Pay / Google Pay / Shop Pay: Typically 3–5 business days

We have no control over your bank's posting timeline. If your refund does not appear within 10 business days of our notification, please contact your bank first, then contact us.

Questions

For any payment-related questions, contact us at: