Transactions Policy
Last updated: September 6, 2026
Three moments matter with a payment: before you press the button, the moment you press it, and everything that can happen afterward. This page follows that order.
Before you pay
What we accept
| Cards | Visa, Mastercard, American Express, Discover (credit and debit) |
| Digital wallets | Apple Pay, Google Pay |
| Other | PayPal |
The options shown at checkout are the ones available for your order and device. None of them carries a surcharge or processing fee.
What the price includes. Prices are in US dollars. Sales tax, where it applies, is calculated from your shipping address at checkout and shown before you confirm. Shipping is free. If your order ships from a fulfillment center outside the United States, all customs duties and import fees are paid by us; nothing is collected at the door, and no bill arrives from the carrier or customs afterward. The total you see at checkout is the last number you'll see.
Discount codes are entered at checkout and can't be applied afterward. One code per order unless the promotion says otherwise.
The moment you pay
When you're charged. When you place the order, not when it ships. Your order confirmation arrives by email within a few minutes; the order number at the top is the quickest way for us to find your order, so keep it.
Where your card details go. From your browser to a PCI DSS-certified payment processor over an encrypted connection. They never reach our servers. We receive a confirmation, the card type and the last four digits, and we'll never ask you to send card details by email.
Verification. Card payments are typically verified through 3D Secure, so your bank confirms the transaction with you before it's approved. Occasionally the processor's fraud screening declines a legitimate order; if that happens, email us and a person will review it.
How it appears on your statement. Card and wallet payments appear as RUBYANDJULY.COM; PayPal payments appear as *PAYPAL RUBYANDJULY. If you see a charge you don't recognize, email us with the date and amount before contacting your bank. We can identify any transaction within one business day. A dispute through your bank freezes the amount for 30 to 90 days and turns a five-minute fix into a formal process.
After you pay
If the payment was declined. Nine times out of ten it's a typo in the card number, expiration date or security code; an expired card or insufficient balance; a billing address that doesn't match what your bank has on file; a bank flag that a short call clears; or online purchases switched off in your banking app. Check the details before trying again, and don't submit the same order repeatedly. Each attempt can place a temporary hold on your account, which releases on its own within 3 to 7 business days. If it still won't go through, email us.
If you were charged but got no confirmation. Check your spam and promotions folders. If nothing has arrived after a couple of hours, email us the amount and date and we'll trace the order.
If you see two charges. A pending charge isn't necessarily a completed payment; failed attempts often leave a temporary authorization that disappears within a few business days. If you believe you've actually been charged twice, send your name, order number, the date and amount of each charge, and a screenshot with card details covered. We'll check and correct it.
If you're owed a refund. Refunds always go back to the payment method used for the original order; we can't send them to a different card or account. We issue them within 7 business days of receiving a return, and your bank usually needs 3 to 5 more business days to show the credit. If nothing has appeared 10 business days after our confirmation, tell us and we'll trace it. Eligibility and the full process are in our Return & Refund Policy.
Changes to this page
We update this page when we add or remove payment methods or when the law changes. The current version is always here, with the date at the top. The version in effect when you placed your order is the one that applies to it.
Contact
Email: support@rubyandjuly.com Phone: +1 (702) 866-0703 Customer service hours: Monday–Friday, 9:00 AM–9:00 PM PT Response time: Within one business day
Ruby and July LLC 3663 Las Vegas Boulevard South, Las Vegas, NV 89109, United States