Effective Date: August 4, 2026
Last Updated: August 4, 2026
At SV STARRYVOW JEWELRY, we prioritize financial transparency, data privacy, and transaction security. To ensure a seamless luxury purchasing experience, we offer a curated selection of secure payment options for our domestic and international clients. All transactions are processed in U.S. Dollars (USD) through PCI-DSS Level 1 certified encryption protocols.
We accept the following secure payment rails during online checkout:
We accept major credit and debit cards issued by financial institutions across the globe:
Visa
Mastercard
American Express
Discover & Diners Club
JCB & China UnionPay
Cardholder Billing Requirement: To protect against identity theft and unauthorized card usage, your billing address and postal code must strictly match the address registered with your credit card issuing bank. Discrepancies between billing and shipping addresses may trigger our mandatory Order Verification process or order cancellation.
For rapid, highly secure mobile checkout, we accept tokenized express wallet payments:
Apple Pay
Google Pay
Shop Pay
PayPal Express Checkout
We partner with leading, regulated consumer financing platforms to allow clients to split high-value fine jewelry purchases into flexible installment plans:
Affirm
Klarna
Afterpay
Financing Terms: Installment approval, interest rates (ranging from 0% APR to market rates), and payment schedules are governed directly by the respective financing provider. Selecting a BNPL option at checkout redirects you to the provider’s secure interface for credit evaluation and approval.
For orders exceeding $5,000 USD, custom high-carat gemstone acquisitions, or international transactions where credit card limits apply, we accept direct Bank Wire Transfers (Fedwire / SWIFT).
Incentive Discount: Direct bank wire transfers are eligible for a 3% courtesy order discount on eligible retail pieces, as wire payments eliminate credit card processing surcharges.
Wire Instructions: Please contact our concierge team at support@svstarryvowjewelry.com to receive official bank wiring instructions and reserve your items. Wire funds must clear our account within three (3) business days of order reservation.
Primary Currency: All base prices listed on our storefront, invoices, and checkout pages are denominated in U.S. Dollars (USD).
Foreign Transaction & Currency Conversion Fees: If you are completing a transaction using an international payment card denominated in a foreign currency, your issuing bank will automatically convert the charge to your local currency at their prevailing exchange rate. SV STARRYVOW JEWELRY is not responsible for foreign exchange conversion variances or bank-imposed international transaction surcharges.
We implement rigid security infrastructure to safeguard your sensitive financial information:
PCI-DSS Level 1 Compliance: Our storefront operates on a payment architecture certified to PCI Data Security Standards (PCI-DSS) Level 1—the highest tier of global payment security.
Zero Card Storage Policy: SV STARRYVOW JEWELRY never views, collects, or stores your full credit card numbers, CVV security codes, or banking login credentials on our website or local workshop servers. Payments are tokenized and processed directly by our gateway partners.
3D Secure 2.0 (3DS): To protect against stolen card usage, online credit card checkouts may require 3D Secure verification (such as Verified by Visa or Mastercard Identity Check), prompting you to enter a one-time passcode sent by your issuing bank.
To protect both our clients and our atelier against fraudulent transactions, high-value orders are subject to our mandatory Order Verification Process:
Temporary Authorization Holds: When you place an order, your bank places an authorization hold on your funds. Payment capture occurs only after your order passes automated anti-fraud parameters and moves into verification.
Fraud Prevention Audits: If our payment system flags an order due to a high risk score, mismatched IP location, or unverified shipping address, our concierge team will reach out via email to request additional identity verification (such as government-issued ID matching the billing address).
Right to Cancel: If requested verification details are not provided within 5 business days, or if an order fails secure risk analysis, SV STARRYVOW JEWELRY reserves the absolute right to cancel the transaction and release the credit hold immediately.
We strive to resolve all customer concerns, sizing questions, and cancellation requests amicably and professionally through our concierge team per our [Refund & Return Policy] and [Shipping & Fulfillment Policy].
Initiating an unauthorized or fraudulent credit card chargeback (claiming an order was not authorized or not received despite carrier adult signature confirmation) constitutes a breach of our Terms of Service. In the event of a chargeback dispute, we submit full digital audit logs—including checkout IP logs, mandatory policy checkbox records, email order verification logs, and carrier proof-of-delivery signatures—to payment gateways and issuing banks to enforce the transaction contract.
For assistance with wire transfer details, installment financing inquiries, or payment troubleshooting, please reach out to our team:
Payment Concierge: support@svstarryvowjewelry.com
Atelier Line: +852 6369 8727
Service Hours: Monday through Friday, 9:00 AM – 5:00 PM Eastern Standard Time (EST)
We accept major credit and debit cards (Visa, Mastercard, American Express, Discover, JCB, and China UnionPay), express digital wallets (Apple Pay, Google Pay, Shop Pay, and PayPal), and flexible split-pay financing through Affirm, Klarna, or Afterpay. For high-value transactions exceeding $5,000 USD, we also accept direct bank wire transfers.
Yes. Our storefront operates on PCI-DSS Level 1 compliant infrastructure—the highest security standard in the global payments industry. All payment details are encrypted using 256-bit SSL technology and processed directly through tokenized payment gateways. SV STARRYVOW JEWELRY never views, stores, or holds your full credit card details or CVV security codes on our servers.
Yes. For orders exceeding $5,000 USD, custom gemological acquisitions, or international purchases, paying via direct bank wire transfer (Fedwire or SWIFT) qualifies for a 3% courtesy order discount. Because bank wires eliminate third-party credit card processing surcharges, we pass those savings directly on to you. Contact support@svstarryvowjewelry.com to receive official wiring instructions.
Fine jewelry items are high-value luxury assets. To protect our clients from identity theft and fraudulent card usage, our system automatically cross-references your shipping location with your credit card issuing bank's registered billing records. If your billing and shipping addresses differ, your order will trigger our mandatory secure verification process before entering production.
Selecting Affirm, Klarna, or Afterpay at checkout redirects you to their secure portal to apply for flexible payment plans (ranging from 4 interest-free bi-weekly payments to longer-term monthly installments). Upon instant approval from the financing provider, your order enters our standard processing queue while you make manageable scheduled payments directly to the financing partner.
All storefront prices, invoices, and checkout totals are listed strictly in U.S. Dollars (USD). If you complete your purchase using an international card issued in a foreign currency, your issuing bank will convert the transaction to your local currency based on their prevailing exchange rate. Any foreign exchange conversion variance or transaction fees are determined by your bank.
To prevent unauthorized online card usage, your issuing bank may activate 3D Secure verification (such as Verified by Visa or Mastercard Identity Check) during checkout. This prompts you to enter a one-time passcode sent directly to your mobile phone or email by your bank to authenticate that you are the authorized cardholder.
To safeguard against fraudulent orders, our automated system or merchant payment gateway flags transactions with high risk scores, mismatched IP addresses, or unverified shipping locations. If flagged, our concierge team will email you to verify your identity or shipping details. Once confirmed, your order enters production immediately.
When you complete checkout, your financial institution places an immediate authorization hold on the order total. Funds are captured officially once your transaction passes automated security parameters and enters our Order Verification step. If an order is canceled prior to verification approval, the authorization hold releases automatically based on your bank's schedule.
While our standard online checkout accepts one primary payment method per transaction, our concierge team can accommodate split-card payments for high-value purchases. If you need to divide a purchase across two credit cards, please contact support@svstarryvowjewelry.com prior to checkout so we can generate a custom, secure multi-payment invoice for you.
Fully insured delivery with all taxes and duties completely covered. Experience absolute peace of mind as your high-value masterpiece travels securely from our atelier straight to your doorstep.
Investing in forever. Every masterpiece is backed by an enduring lifetime craftsmanship warranty and an absolute authenticity guarantee, featuring meticulously certified stones and master-artisan grading.
Not perfectly suited? Ready-to-Ship items may be returned within 14 days of delivery. Enjoy a seamless return process as we guide you through our standard evaluation and restocking terms.
