When we charge the card, what we accept, and what happens if a charge does not clear.

Cloth Climb is a prepaid shop. We do not ship on invoice, on net-30 terms, or on a promise to pay later, except where we have signed a separate wholesale paper with a buyer. For the public website, payment is collected at checkout.

What we accept

• Major U.S. credit and debit cards processed through our checkout provider.

• Other methods displayed on the payment screen at the time you place the order (for example, a digital wallet). If a method is not shown, we do not accept it.

We do not take cash, personal checks, money orders, or cryptocurrency through the website.

When the charge happens

Authorization may occur the moment you click to place the order. The actual capture usually follows once the order is accepted by the studio. If an item cannot be fulfilled, we release or refund the authorization rather than hold it.

Orders placed after 5:30 p.m. Central Time on a business day, or at any hour on a Saturday, Sunday, or observed holiday, are not reviewed until the next business morning. A pending authorization may sit on your statement during that wait. That hold is the bank’s, not an extra Cloth Climb fee.

Pricing, tax, and shipping

The price on the product page is the product price in U.S. dollars. Applicable state and local sales tax is calculated at checkout based on the ship-to address. Shipping to eligible U.S. addresses is included in the product price — you should not see a separate freight line for a qualifying domestic order.

We do not add a “handling” surcharge after you pay. If a carrier later assesses an unexpected accessorial (a rural surcharge the rate card missed, a rejected address that had to be re-labeled), we will write to you before we charge anything extra.

Failed, disputed, and reversed payments

If a card is declined, the order does not enter the packing queue. If a payment later reverses or is charged back, we pause fulfillment and ask you to settle the balance before the carton leaves Fortuna. Filing a chargeback without first writing to support@clothandclimb.com delays a clean refund and can close the order.

Promotional codes apply only as written on the offer. They cannot be stacked unless the offer says they can. They have no cash value.