Payment & Pricing

Read about the variety of payment options you can choose from when you purchase from talenic.com, and learn how the tax on your order is calculated. Also, get more information about special pricing, offers, promotions, and other great deals with limited time availability.

Talenic Store accepts a variety of payment methods online.

• Credit Cards
• Debit Cards
• Store Gift Card

We Accept Visa, Master Card, American Express, and Discover Card.

Note: Business lease, wire transfers, and money orders are ineligible payment methods for pickup items.

Some payment types are ineligible for orders that ship to multiple addresses. If you are using an ineligible payment type for an order shipping to multiple addresses, you will either need to change the payment method, or ship your order to a single address.

Some customers may qualify for other forms of payment. Please call +1 (747) 298-8700 and speak to an Talenic Specialist for more information.

Credit Cards or Debit Cards

Troubleshooting credit card & debit card payment errors

• If your card is new or recently reissued, make sure it has been activated.
• Remove dashes or spaces from the account number.
• If everything seems to be correct, call the card issuer's customer service 800 number on the back of your card. Your credit card company may need to speak with you before they authorize your purchase.

Account Verification

To prevent any unnecessary delays processing your order, please ensure that the billing address on your order matches the information on your credit card account. If you have recently moved or are unsure whether you receive your credit card statement at your work or home address, please contact your card-issuing bank using the 800 number on the back of your credit card to confirm.

Security Codes

The card security code is a unique three or four digit number printed on the front (American Express) or back (Discover/MasterCard/Visa/UnionPay) of your card, in addition to the account number.

American Express:

Discover/MasterCard/Visa/UnionPay:

Daily Spending Limits for Debit Cards

Most debit and check cards have daily spending limits that may substantially delay the processing of an order, even if there is enough money in an account. When using a debit card, funds are immediately reserved in your bank account at the time you place your order. Please consult your card-issuing bank for information about your daily spending limits if you are having trouble placing your order.

Credit Cards Accepted

In the U.S., we accept:

• American Express
• Discover
• MasterCard
• UnionPay
• Visa

If you are paying for your order with an international Visa, MasterCard, American Express, or UnionPay credit card, please note that the purchase price may fluctuate with exchange rates. In addition, your bank or credit card issuer may also charge you foreign conversion charges and fees, which may also increase the overall cost of your purchase. Please contact your bank or credit card issuer regarding these fees.

Any gift card issued by a credit card company can be used as a method of payment when buying from Talenic Store online. During checkout, if you are paying with a gift card issued by a credit card company, you can combine it with one credit card.

Taxes

All taxes and Customs fees will already be paid. You pay only what you pay at checkout.

Education Pricing

Talenic offers special pricing to students, teachers, administrators, and staff members. We also offer special pricing for purchases made on behalf of students. If you live in the U.S., contact Talenic Support for Education to place your order for reduced prices on the full range of products.

How to Resolve a Declined Card Payment?

Payment questions - Payment declines happen from time to time, and when they do - it is important to understand the reason so that the purchase can be finished successfully.

In short

To resolve a declined payment, you'll need to figure out why the payment was declined.

Usually, this involves contacting your bank or credit card company to fix the issue.

1. Figure out the reason for the decline

Once the declined payment happens, your credit card company or bank may share the reason for the decline with us. If this is the case, we show the reason to you in the form of an error message.

Keep in mind that Talenic doesn't decline your payment - your credit card company or bank does. If there's no reason listed, we don't have the details, and you'll need to contact your credit card company or bank for the reason.

2. Contact your credit card company or bank

If you couldn't figure out why your payment was declined, or if you can't solve the issue, contact the bank that issued your credit card. Talenic support can't help you with any declines. This is because your bank, not Talenic, is the one that declines your payment.

Here's how to contact your bank:

1. Call the support phone number that's shown on the back of your credit card.
2. Tell the representative that you were trying to pay for Talenic, it was an online transaction, but that your payment was declined. Let them know the date, amount and the currency of the decline.
3. The representative will give you the exact reason for the decline and help you resolve the issue.
4. What may help is mentioning is that transaction was made online (MO/TO), merchant comes from outside of the United States and transaction description is "TALENIC".

Once the issue has been fixed, try your payment again using Talenic Checkout.

Solutions for the most common declined payment reasons

The issuing bank doesn't allow the use of the card for internet or international transactions. 

Talk to your bank to allow these types of transactions, then retry the payment.

What may help is mentioning is that transaction was made online (MO/TO), merchant comes from outside of the United States and transaction description is "TALENIC".

Or, enter a new card that does allow internet or international transactions.

You've exceeded the card's credit limit or single transaction limit. (or You exceeded the maximum number of charges the card can receive in a period.)

Talk to your bank to increase the limit, then retry your payment. Or, enter different card or use alternative payment methods described below.

The account doesn't have sufficient funds. 

Make sure there are enough funds in your account, then retry your payment.

What is 3D Secure Authentication and What to Do When 3D Authentication Failed?

What to do when you are trying to pay with your credit/debit card, and you get an error saying that "3D Authentication Failed"? 3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. The name refers to the "three domains" which interact using the protocol: the merchant/acquirer domain, the issuer domain, and the interoperability domain.

What is 3D Secure Authentication?

3D Secure (3-domain structure) Authentication, also known as a payer authentication, is a security protocol that helps to prevent fraud for online credit card and debit card transactions. It allows banks to request extra details from a card holder to verity a purchase .For extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying. Typically, the checkout page will direct the customer to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check. 

What to do when 3D Secure Authentication Fails?

If you receive a "3D Authentication failed" error, it means that you have not entered the required information successfully. Please double check that Caps Lock is disabled and repeat the process making sure there are no typing errors.

If the error remains, please contact your credit card issuer – which is usually a bank – for additional information.