Credit Card and Payment Terms

1. Authority and authorization

By submitting a credit card, debit card or other payment method, you confirm that you are the cardholder or are authorized by the cardholder to use it. You authorize Optimum Group LLC, doing business as Coco Plums Travel, its payment processor and/or the identified travel supplier to charge or authorize the amount and currency shown at checkout, together with later amounts you separately approve for a permitted change, cancellation or added service.

If you pay for another traveler, the payment authorization does not make the cardholder the traveler and does not change the supplier rules. Providing false payment information or using a payment method without permission may result in cancellation and referral to the appropriate authorities.

2. Who charges you

Checkout or the booking confirmation will identify, where available, whether Coco Plums, a processor or the supplier collects payment. Charges may appear under Coco Plums, the supplier or a disclosed processing descriptor. A booking can involve separate charges for different suppliers, tickets, deposits, taxes or services, provided the combined authorized total is not exceeded without your further approval.

3. Authorizations, deposits and failed payments

A card authorization may temporarily reduce available funds without being a completed charge. Your issuer controls when an unused hold is released. Properties, vehicle suppliers and other providers may require their own incidental deposit or authorization.

A booking is not confirmed until payment requirements are satisfied and a confirmation is issued. If a payment is declined, reversed or not received when due, we or the supplier may cancel or suspend the booking. You are responsible for ensuring sufficient funds and correct billing information.

4. Currency and issuer fees

You will be charged in the currency shown when you authorize payment. Your issuer may convert the transaction, use its own exchange rate, or add foreign transaction, cash-advance or other fees. Those issuer charges are not collected or controlled by Coco Plums and are not refundable by us.

5. Verification and fraud prevention

We may use address, card, device, identity and booking information to verify a transaction and may request reasonable supporting information. We may delay, reject or cancel a transaction when verification fails or fraud, sanctions or unlawful activity is reasonably suspected. Do not send full card details or identity documents through an unapproved channel.

6. Payment data security

Payment card entry should be handled by a payment processor using security controls appropriate to the transaction. Coco Plums does not retain the card security code after authorization and will never ask you to send a PIN. Do not email, text or place a full card number or card security code in a general support message. Tokenized or masked payment references may be retained for booking support, reconciliation, refunds and fraud prevention.

7. Refunds and disputes

An eligible refund is returned through the original payment channel unless law or the payment provider requires otherwise. Supplier approval and bank processing time may apply. Review the Refund and Cancellation Policy and your booking-specific rules.

Contact [email protected] promptly about an unfamiliar or incorrect charge so we can investigate. Nothing limits a lawful right to dispute a charge with your issuer. Knowingly seeking a chargeback for a valid, authorized and properly supplied non-refundable service may cause cancellation of related services and recovery of amounts lawfully due.