{"id":33066,"date":"2026-05-26T09:58:41","date_gmt":"2026-05-26T07:58:41","guid":{"rendered":"https:\/\/hobby.day\/?page_id=33066"},"modified":"2026-05-26T10:00:31","modified_gmt":"2026-05-26T08:00:31","slug":"payment-methods","status":"publish","type":"page","link":"https:\/\/hobby.day\/pl\/payment-methods\/","title":{"rendered":"Payment Methods"},"content":{"rendered":"<h2>1. Accepted Payment Methods<\/h2>\n<p>We offer a flexible and secure checkout experience integrated with leading global payment providers (Stripe and PayPal). At checkout, our system dynamically displays the most relevant options based on your location:<\/p>\n<ul>\n<li><strong>Credit &amp; Debit Cards<\/strong>: We accept Visa and Mastercard.<\/li>\n<li><strong>Mobile Wallets<\/strong>: Apple Pay and Google Pay are available when checking out from a compatible device (such as an iPhone, Mac, or Android device) or a browser with an active wallet configuration. This allows you to complete your purchase in a single click without manually entering card details.<\/li>\n<li><strong>Local European Payment Methods<\/strong>: To ensure a seamless shopping experience across the EU, we support region-specific payment gateways. Depending on your billing and shipping country, you can pay using <strong>Klarna<\/strong> (buy now, pay later options based on local availability), <strong>BLIK<\/strong> and <strong>Przelewy24<\/strong> (Poland), <strong>Giropay<\/strong> (Germany), <strong>iDEAL<\/strong> (Netherlands), and other local methods.<\/li>\n<li><strong>PayPal<\/strong>: You can pay securely using your PayPal balance, linked bank account, or complete a guest checkout using a credit card via the PayPal gateway, which offers an extra layer of buyer protection.<\/li>\n<\/ul>\n<h2>2. Billing Currency &amp; Bank Conversion<\/h2>\n<ul>\n<li><strong>Currency Display<\/strong>: Our company&#8217;s base currency is the Polish Zloty (PLN). However, for your convenience, our store automatically converts and displays prices in your local currency (e.g., Euros &#8211; EUR).<\/li>\n<li><strong>Charges &amp; Fees<\/strong>: We do not charge any hidden fees for payment processing. When paying by card, the transaction is handled by your issuing bank. If your bank account is in a currency different from the payment currency, your bank may convert the funds using its internal exchange rate and\/or apply a foreign transaction fee. The final amount charged is determined solely by your bank&#8217;s terms.<\/li>\n<\/ul>\n<h2>3. Transaction Security &amp; Data Protection<\/h2>\n<ul>\n<li><strong>Data Encryption<\/strong>: The entire checkout process on Hobby.Day is protected by industry-standard 256-bit SSL encryption.<\/li>\n<li><strong>No Card Storage (PCI-DSS)<\/strong>: We do not collect, process, or store your full card details (card numbers or CVV codes) on our store&#8217;s servers. Your payment data is encrypted and transmitted directly to the payment processors (Stripe or PayPal), both of which hold the highest level of security certification (PCI-DSS Level 1).<\/li>\n<li><strong>Strong Customer Authentication (SCA)<\/strong>: In compliance with the European PSD2 directive, transactions may require an extra 3D Secure verification step. Please be prepared to authorize the payment via your bank&#8217;s mobile app or a one-time SMS code.<\/li>\n<\/ul>\n<h2>4. Billing Address &amp; Anti-Fraud Protection<\/h2>\n<p>Our payment gateways utilize strict anti-fraud filters to protect against unauthorized card use:<\/p>\n<ul>\n<li>The billing address you provide at checkout must exactly match the address registered with your card-issuing bank.<\/li>\n<li>If the billing address does not match your bank&#8217;s records, the transaction will be automatically declined by the security system, even if there are sufficient funds. Please ensure you do not confuse the shipping address with your billing address.<\/li>\n<\/ul>\n<h2>5. Common Payment Failures &amp; Troubleshooting<\/h2>\n<p>If your payment is declined, it is usually due to bank-imposed restrictions. We recommend trying the following solutions:<\/p>\n<ul>\n<li><strong>3D Secure Failure<\/strong>: Ensure you have authorized the push notification or entered the SMS code sent by your bank.<\/li>\n<li><strong>International Transaction Blocks<\/strong>: Our company is registered in Poland (EU). If your card was issued in another country, your bank might pre-emptively block the transaction for security reasons. Please contact your bank or use their app to enable international online purchases.<\/li>\n<li><strong>Card Limits<\/strong>: Verify that you have not exceeded your daily or monthly online spending limits.<\/li>\n<li><strong>Data Entry Errors<\/strong>: Double-check that your card number, expiration date, and CVV code were entered correctly.<\/li>\n<li><strong>Alternative Solution<\/strong>: If direct card payment via Stripe keeps failing, we highly recommend choosing <strong>PayPal<\/strong> at checkout. This gateway often has a higher success rate for international transactions.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>1. Accepted Payment Methods We offer a flexible and secure checkout experience integrated with leading global payment providers (Stripe and PayPal). At checkout, our system dynamically displays the most relevant options based on your location: Credit &amp; Debit Cards: We accept Visa and Mastercard. Mobile Wallets: Apple Pay and Google Pay are available when checking [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":940,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-33066","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/hobby.day\/pl\/wp-json\/wp\/v2\/pages\/33066","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hobby.day\/pl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hobby.day\/pl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hobby.day\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hobby.day\/pl\/wp-json\/wp\/v2\/comments?post=33066"}],"version-history":[{"count":0,"href":"https:\/\/hobby.day\/pl\/wp-json\/wp\/v2\/pages\/33066\/revisions"}],"wp:attachment":[{"href":"https:\/\/hobby.day\/pl\/wp-json\/wp\/v2\/media?parent=33066"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}