1. Payment Options at a Glance
At KnapsackNest, we want checkout to be as practical as choosing the right bag for your daily carry. We currently accept the following wallet-based payment methods for premium backpacks and bags:
- iDEAL
- BLIK
- Bancontact
These methods are designed to provide flexibility and ease for your backpack and bag purchases. Payment method availability is destination-dependent and order-dependent. At checkout, our system displays only the wallet payment methods that are supported for your selected destination, order currency, and order configuration. If a wallet method is not displayed for your order, it is not currently available for that destination, currency, or order value.
We do not ask you to enter credit or debit card details on our Site for these wallet payment methods. Where a payment provider’s own application involves a linked funding source, that process is handled within the provider’s environment and is subject to the provider’s terms and privacy policy.
2. Dynamic Wallet Routing After Order Placement
2.1 How Wallet Options Are Determined
After you add items to your cart, proceed to checkout, fill in your required billing and shipping information, and click “Place Order”, our system evaluates several factors before presenting the available wallet payment options.
Please note that the wallet payment methods are dynamically loaded only after you click “Place Order”. You will not see the final list of available wallets during the initial information-filling stage.
Our system determines the routing based on the following factors:
| Routing Factor | What It Determines |
|---|---|
| Shipping destination | Which wallet providers are supported for that country or region |
| Order currency | Which wallet providers can settle a payment in that currency |
| Order value | Whether the wallet provider’s transaction limits or minimum/maximum thresholds are met |
| Checkout configuration | Whether the wallet provider is enabled for the relevant storefront and sales channel |
| Provider availability | Whether the wallet provider’s service is operational and available at the time of checkout |
Based on these factors, after you click “Place Order”, our system will display the wallet payment methods available for your specific order. The list you see after clicking “Place Order” is the authoritative list for that order at that time.
2.2 Why a Wallet Method May Not Be Displayed
A wallet method may not appear after you click “Place Order” because:
- Your shipping destination is not supported by that wallet provider;
- Your order currency is not supported by that wallet provider;
- Your order value falls outside the wallet provider’s transaction thresholds;
- The wallet provider is temporarily unavailable or has not been enabled for your storefront;
- The wallet provider requires additional verification or eligibility conditions that your order does not meet.
If a wallet method you expected to use is not displayed after clicking “Place Order”, you may select another method shown on the screen for your order, or contact us at [email protected] before proceeding with the payment authorization.
2.3 Why an Order Record is Created Before Payment is Authorized
Clicking “Place Order” generates an order record in our system with a status indicating that payment is pending or incomplete. An order is not complete, nor is it accepted for processing or dispatch, until the wallet payment has been successfully authorized and verified. If you choose not to complete the wallet authorization after clicking “Place Order”, or if the authorization fails, the order will remain unpaid and will not enter our fulfilment process.
3. The Wallet Authorization Journey
After you select your preferred wallet payment method from the options displayed following the “Place Order” click, you will be handed off to, or prompted through, the selected payment provider’s secure interface to authorize the transaction.
Depending on the payment method and your location, authorization may involve one or more of the following:
- Logging in to your payment provider’s application or account
- Confirming the payment through your banking application
- Scanning a QR code or approving a payment request
- Entering a one-time code or password
- Completing biometric verification, such as fingerprint or facial recognition
- Completing any other verification step required by your bank or payment provider
For example, a wallet payment may require you to enter a verification code sent by your bank, approve the payment in your provider’s app, or complete an in-app authorization. The specific steps are determined by your bank or payment provider, not by us.
Once authorization is complete, the payment provider will return a transaction result to us. We will then confirm whether the order has been accepted for processing.
We do not request or store your online banking password, wallet login credentials, full payment account number, or CVV. Payment authorization is handled by the selected payment service provider.
4. Authorization Outcomes and Order Acceptance
A payment is not complete until it has been authorized by your payment provider and verified by our system. After successful authorization and verification of the payment method you selected following the “Place Order” click, we will send an order confirmation email to the email address provided during checkout.
The order confirmation email confirms that your order has been received and accepted for processing. It is not a dispatch confirmation. Dispatch and tracking information will be provided separately in accordance with our Shipping & Delivery Policy.
If a payment is authorized but our system cannot verify the order, or if the transaction result is inconclusive, we may contact you for clarification before processing the order. We will not treat an unverified or incomplete transaction as a confirmed order.
If the wallet method displayed after clicking “Place Order” changes between the time you view the payment page and the time you complete authorization—for example, because the provider becomes temporarily unavailable—we will display the available options at the time of payment. If no wallet method is available for your order, you may contact us before completing the purchase.
5. Declined, Failed, or Abandoned Payments
If your payment is declined, fails, is cancelled, or does not complete within the provider’s required timeframe after clicking “Place Order”, the order will not enter processing. For security and order-integrity reasons, we cannot reinstate a declined or failed order. You will need to place a new order through the website.
If your payment does not complete successfully, please consider the following:
- Review the payment request: Confirm that the payment amount, currency, and merchant details shown in your payment provider’s interface are correct.
- Check your account status: Ensure that your payment account or linked funding source is active, has sufficient available funds, and has not exceeded any applicable transaction or daily limits.
- Complete authentication: If your bank or payment provider requests an additional verification step, complete it within the timeframe shown. An expired or abandoned authentication session may cause the payment to fail.
- Contact your payment provider: If the payment continues to fail, contact your bank or payment provider directly. They can explain the specific reason for the decline, such as insufficient funds, account restrictions, transaction limits, or fraud prevention measures.
- Try another available method: If difficulties continue, you may use another payment method displayed on the payment screen. If no alternative is displayed, contact us before placing a new order.
Please do not send us your online banking password, wallet login credentials, full payment account number, or one-time authentication codes. Our customer service team does not need these details to assist with a payment inquiry.
6. Strong Customer Authentication and Error Reporting
Some wallet payments may require Strong Customer Authentication (SCA) or an equivalent verification step imposed by your bank or payment provider. This may include a password, one-time SMS code, in-app approval, QR code confirmation, or biometric verification.
If authentication is rejected or times out, please contact your bank or payment provider for guidance, as the authentication result is controlled by them. We cannot override a payment provider’s authentication or decline decision.
If you encounter an error message during checkout or authentication, please report it to us with the following details so that we can help diagnose the issue promptly:
- The error message text, or a screenshot where available
- The date and time the error occurred
- The payment method selected
- The steps you took before the error appeared
- Your order reference, if one was generated
- The destination country and order currency shown at checkout, where relevant
We will review the information and, where appropriate, coordinate with the relevant payment service provider. If the issue relates to wallet availability for your destination or currency, we will confirm whether an alternative method is available for your order.
7. Security and Privacy
We take payment security seriously. Payments are processed through licensed payment service providers that maintain PCI DSS compliance where applicable and handle payment data in accordance with their own security and privacy obligations.
We use industry-standard measures to protect information under our control, including encrypted transmission, access controls, and fraud monitoring. We do not store full payment credentials on our servers. We do not request or store your online banking password, wallet login credentials, full payment account number, or CVV.
We may use transaction information—such as payment method, transaction reference, authorization status, amount, currency, and timestamp—to confirm orders, issue refunds, prevent fraud, and comply with legal and accounting requirements. For more information about how we handle personal information, please refer to our Privacy Policy.
8. Refunds to the Original Payment Method
Refunds are issued to the original payment method after we receive and inspect a returned item, or after a cancellation or refund approval in accordance with our Returns & Refunds Policy. Refund timing may depend on the payment provider’s processing policies. We cannot redirect a refund to a different payment method or account.
If your original payment method is no longer available—for example, because the wallet provider is no longer supported for your destination or account—please contact us so that we can review the available options with you and the relevant payment provider.
9. Order Confirmation and Payment Records
Upon successful payment authorization and order acceptance, you will receive an order confirmation email containing your order number, a summary of the items purchased, and shipping details. If you do not receive this email within a reasonable timeframe, please check your spam or junk folder before contacting our support team.
We recommend retaining your order confirmation and payment provider receipt for your records. If there is a discrepancy between the amount shown by your payment provider and the amount shown on our checkout page, please contact us before completing the payment.
10. Contact Us
For payment inquiries or concerns, please contact:
Voyager Select Luggage Group LLC
Address: 400 22nd Ave, Meridian, MS 39301 USA
TEL: +1 6015132039
Email: [email protected] (Available Monday–Friday, 08:00–17:00 UTC -6)
Registration Number: 1524527