Payment Policy

This Payment Policy explains the payment methods, transaction currency, payment security, payment processing, failed transactions, payment disputes, and refund handling for purchases made through pemravo.com by PEMRAVO, LLC.

1. Accepted Payment Methods

We currently accept the following payment methods at checkout: Visa, Mastercard, Google Pay, American Express, PayPal, Apple Pay, Discover, and Afterpay. The payment methods available for a particular order may depend on the customer's device, location, payment provider, and checkout eligibility.

Card and supported digital wallet payments may be securely processed through Stripe, while PayPal payments are processed through PayPal. The payment options displayed during checkout are the methods currently available for the applicable transaction.

2. Transaction Currency

All prices, shipping charges, order totals, and payments on pemravo.com are processed in EUR, unless otherwise clearly stated during checkout.

If a customer's payment account uses a different currency, the card issuer, bank, PayPal, or other payment provider may apply currency conversion, exchange-rate adjustments, or related fees. These charges are determined by the customer's payment provider and are not controlled by PEMRAVO, LLC.

3. Payment Security

We use secure payment processing technology designed to protect payment information during checkout. Payment information is transmitted through encrypted connections using industry-standard SSL/TLS technology.

Payments handled through Stripe and PayPal are processed using their respective secure payment systems and security controls. Where applicable, additional authentication measures such as card verification, fraud screening, tokenization, or payment-provider authentication may be used to help protect transactions.

We do not use customers' payment information for purposes unrelated to processing or supporting their transactions.

4. Payment Authorization and Failed Payments

An order is generally processed after the applicable payment provider confirms that the payment has been successfully authorized or completed.

A payment may be declined or fail because of insufficient funds, incorrect payment information, card restrictions, bank security controls, expired payment credentials, authentication failure, payment-provider restrictions, or other circumstances outside our direct control.

If a payment is unsuccessful, customers may try another available payment method or contact their bank or payment provider for further information. If assistance is needed regarding an order or payment status, customers may contact us at [email protected] or through our Contact Us page.

5. Payment Disputes and Unauthorized Transactions

If a customer believes that a payment was charged incorrectly, duplicated, unauthorized, or otherwise contains an error, we encourage the customer to contact us at [email protected] so that we can review the transaction and provide available information.

Customers may also have rights to raise a payment dispute directly with their card issuer, Stripe-supported payment provider, PayPal, or other applicable payment service. Any formal payment dispute or chargeback will be handled in accordance with the procedures of the relevant payment provider and applicable law.

Where a dispute is opened, we may provide order, payment, shipment, delivery, communication, or refund records to the payment provider when reasonably required to review the transaction.

6. Refunds and Payment Reversals

Approved refunds are returned to the original payment method used for the order. This includes eligible payments made through Stripe-supported payment methods or PayPal.

Once a refund has been approved and submitted, the refunded amount is generally expected to appear in the customer's original payment account within 7 business days.

The exact posting time may vary depending on the customer's bank, card issuer, Stripe, PayPal, Afterpay, or other payment provider. For complete return eligibility, return conditions, return shipping responsibilities, and refund procedures, please review our Return & Refund Policy.

If an approved refund does not appear after the expected processing period, customers may contact us at [email protected] so that we can assist with checking the refund status.