Payment policy

This Payment Policy outlines the terms and conditions governing all payments made for products purchased on the kolekcionars website (hereinafter referred to as "the Website"). By placing an order and submitting payment through our Website, you (hereinafter referred to as "User") agree to comply with all the provisions set forth in this policy. We are committed to providing a secure, transparent, and convenient payment experience for all our customers.

1. Accepted Payment Methods

kolekcionars accepts a variety of secure payment methods to accommodate your shopping needs. All payments must be made in the currency displayed at checkout, and we reserve the right to update or modify our accepted payment methods at any time without prior notice. Currently, we accept the following payment options:
  • Major credit cards, including Visa, Mastercard, American Express, and Discover. All credit card payments are processed through secure, encrypted payment gateways to protect your card information.
  • Debit cards bearing the logos of the above-mentioned credit card companies, provided they are enabled for online transactions by your issuing bank.
  • Secure digital wallet services, including PayPal, Apple Pay, and Google Pay. These services allow you to complete payments quickly and securely without sharing your card details directly with our Website.
We do not accept cash, checks, money orders, or any other offline payment methods. Payments made through unauthorized or unaccepted methods will not be processed, and your order may be suspended or canceled.

2. Payment Processing & Authorization

When you place an order on our Website, we will initiate a payment authorization request to your chosen payment provider (e.g., credit card company, digital wallet). This authorization is designed to verify that your payment method is valid and has sufficient funds or credit to cover the total order amount (including product prices, shipping fees, and any other applicable charges).
The authorization process typically takes a few seconds, but in some cases, it may take longer depending on your payment provider’s processing time. If the authorization is successful, your payment will be processed immediately, and your order will move to the processing stage as outlined in our Shipping Policy. If the authorization fails, we will notify you immediately, and you will need to provide an alternative payment method to complete your order.
Please note that some payment providers may place a temporary hold on the authorized amount in your account until the transaction is fully processed or canceled. This hold is not a charge, and it will be released by your payment provider according to their own policies (usually within 3-7 business days).

3. Payment Security

At kolekcionars, we take the security of your payment information very seriously. We use industry-standard encryption technology (SSL/TLS) to protect all payment data transmitted between your device and our Website. This encryption ensures that your credit card details, personal information, and payment history are kept confidential and protected from unauthorized access, use, or disclosure.
We do not store your full credit card information on our servers. All payment details are processed and stored by our trusted third-party payment processors, who comply with strict security standards (such as PCI DSS) to ensure the safety of your data. You can shop with confidence knowing that your payment information is handled securely.

4. Pricing & Currency

All product prices displayed on the Website are in the default currency, and all payments must be made in that currency. We strive to ensure that all prices are accurate, but we reserve the right to correct any pricing errors at any time. If a pricing error is identified after you have placed an order but before payment is processed, we will notify you of the error and give you the option to proceed with the corrected price or cancel your order without any charges.
If you are making a payment from a country with a different currency, your payment provider may apply a currency conversion fee. This fee is determined by your bank or payment service and is not controlled by kolekcionars. We recommend checking with your payment provider for details on currency conversion rates and fees before completing your purchase.

5. Payment Failures & Declined Transactions

Payment failures or declined transactions may occur for a variety of reasons, including but not limited to:
  • Insufficient funds or credit limit on your payment method.
  • Incorrect payment details (e.g., wrong card number, expiration date, or CVV code).
  • Your payment provider has flagged the transaction as potentially fraudulent (e.g., unusual spending patterns, international transactions).
  • Technical issues with your payment provider or our payment gateway.
If your payment is declined, we will provide you with a notification explaining the reason (if provided by your payment provider). You may attempt to reprocess the payment by correcting any errors in your payment details or using an alternative payment method. If you continue to experience issues, we recommend contacting your payment provider directly for assistance.

6. Refunds & Payment Reversals

Refunds for eligible returns, cancellations, or order errors will be processed in accordance with our Return Policy. All refunds will be issued to the original payment method used for the purchase, and we will not issue refunds to alternative payment methods.
The time it takes for a refund to appear in your account depends on your payment provider’s processing time. Typically, refunds are processed within 5-7 business days after we confirm your return or cancellation, but it may take an additional 3-10 business days for the funds to be credited back to your account. We will send you an email notification once the refund has been initiated.
If a payment is reversed (e.g., chargeback) by your payment provider without prior notification to kolekcionars, we reserve the right to suspend your account, cancel any pending orders, and pursue legal action to recover the funds, including any additional fees incurred due to the chargeback.

7. Payment Responsibility

You are solely responsible for ensuring that you have the authority to use the payment method you select and that the payment method is valid and up-to-date. You agree to indemnify and hold kolekcionars harmless from any claims, damages, or fees arising from unauthorized use of your payment method, incorrect payment details, or failure to pay for your order.
If you suspect any unauthorized activity on your payment method related to a transaction with kolekcionars, please contact our customer support team immediately and notify your payment provider to report the issue.

8. Changes to This Payment Policy

kolekcionars reserves the right to update or modify this Payment Policy at any time. Any changes will be posted on this page of our Website, and the revised policy will take effect immediately upon posting. Your continued use of the Website and submission of payments after the revised policy is posted constitutes your acceptance of the changes. We recommend reviewing this policy periodically to stay informed of any updates.

Contact Us

If you have any questions, concerns, or inquiries regarding this Payment Policy, payment processing, or a specific transaction, please contact our customer support team:
Email: kolekcionars@outlook.com
Phone: +1 (555) 123-4567
Address: 123 Fashion Street, Style District, 45678
We are committed to resolving any payment-related issues promptly and ensuring a positive shopping experience for all our customers.