Payment Methods

Last Updated: August 2026

At Malsain (accessible via https://malsain.com), this page sets out how you can pay, who processes the payment, and what happens when a card is declined or a hold appears on your account.

A coat is not a small purchase, so it is worth knowing exactly where your card details go and what they touch on the way. The short version is that they never touch us at all.

By placing an order you agree to the terms below. If a charge, a decline, or a hold does not make sense to you, email support@malsain.com before contacting your bank and we will usually be able to explain it the same day.

Payment at a Glance

What We Accept

• PayPal. Pay from your PayPal balance or from any funding source linked to your account.
• Debit card. Visa, Mastercard, American Express, and Discover.
• Credit card. Visa, Mastercard, American Express, and Discover.

If your situation falls just outside one of these, write to us anyway. If the method you use is not on this list, tell us what it is and we will say whether it is something we can work with.

How Payments Are Processed

Every payment runs through the PayPal gateway, which is PCI DSS compliant. You do not need a PayPal account to use a card. Choose the card option at checkout and you can pay as a guest without registering for anything or creating a login.

Payment Security

Card and bank details are entered on PayPal's platform and encrypted in transit. They never pass through our systems, and we do not store, access, or retain them at any stage. What reaches us is a confirmation that a payment succeeded, together with the order details we need to pack and ship your parcel.

When You Are Charged

Payment is taken in full at the moment you place the order. There are no installments, no recurring charges, and no subscriptions on this site. Processing begins once the payment is confirmed, which is usually immediate, and the timings from that point are set out in our Shipping Policy.

Currency and Foreign Fees

All prices and charges are in US Dollars. If your card is issued outside the United States, your issuer may add a foreign transaction fee and apply its own exchange rate. That charge is set by the issuer, appears on your statement rather than on your order, and does not come from us.

Sales Tax

Sales tax is calculated at checkout where applicable, based on the delivery address, and shown as a separate line before you pay.

Failed or Declined Payments

A decline almost always comes from the issuer rather than from the order, and when one happens nothing is charged and no order is created. The usual causes are worth checking in this order:

• A typo in the card number, expiry date, or security code
• A billing address that does not match what your bank holds on file
• An automated fraud block, which is common on a first order with a new merchant
• Insufficient available balance or a daily spending limit
• An expired card

If everything looks correct, your bank can usually clear the block in a moment. Email support@malsain.com if you would rather we looked at it from our side, and we will hold the piece where stock allows while it is sorted out.

Pending Authorization Holds

A failed attempt can still leave a temporary authorization hold on your account. It is not a charge and no money has moved to us. Holds release on their own within a few business days according to your bank's own schedule. If one has stayed longer than that, forward us the details and we will confirm in writing that no payment was captured, which is usually what the bank needs to see.

Refunds

Refunds are returned to the payment method used at checkout and cannot be redirected to a different card or account. Amounts, timings, and the fee position are set out in full in our Return & Refund Policy.

Changes to This Policy

We may update this policy as payment options change. The revised version appears here with a new date.

Payment Questions

Anything about a charge, a decline, or a hold that has not cleared reaches us here.

Thank you for shopping with us, and for giving a good coat more than one winter.