Payment Policy
1. Payment Methods and Checkout Availability
Customers may pay for eligible orders using Visa, Mastercard, American Express, PayPal, Discover, Maestro, Apple Pay, and Google Pay. The exact methods displayed during checkout may differ according to the customer's country or region, browser, device, bank, card issuer, or payment-provider availability. Card and supported digital-wallet transactions may be processed through Stripe or other Stripe-supported infrastructure, while PayPal transactions are processed through PayPal. An order cannot move forward for fulfillment until the selected payment method has been successfully authorized.
2. Currency Used for Transactions
Unless a different currency is expressly presented at checkout, all product prices, checkout totals, and transactions on zormavio.com are denominated in EUR (Euro). EUR is the transaction currency used by our store. If your card, bank account, or payment account is held in another currency, your bank, card issuer, PayPal, or another payment provider may convert the amount and may apply its own exchange rate, foreign transaction fee, or currency conversion charge. Those rates and charges are established by the relevant provider and are outside our control.
3. Payment Providers and Information Handling
Transactions made through zormavio.com are handled by established third-party payment service providers, including Stripe and PayPal. Depending on the method selected, sensitive payment information is transmitted to the applicable provider for authorization and processing. ZORMAVIO, LLC does not store customers' complete card numbers, CVV security codes, PayPal passwords, online banking credentials, or other complete sensitive payment credentials on our own servers. We may retain limited non-sensitive transaction records, such as the payment status, transaction reference, payment method type, amount, currency, and refund status, where reasonably necessary for order management, accounting, customer service, fraud prevention, dispute handling, or legal compliance.
4. Security Controls Used During Payment
ZORMAVIO, LLC uses reasonable technical and organizational measures to help protect the checkout environment and payment-related records. zormavio.com uses HTTPS and SSL/TLS encryption to secure information transmitted between the customer's browser and our website. Payment credentials are processed through third-party payment gateways such as Stripe and PayPal rather than being stored directly by us. Additional safeguards may include restricted administrative access, secure authentication, software and security updates, transaction monitoring, tokenization, PCI-DSS-aligned payment processing, fraud screening, and 3-D Secure or Strong Customer Authentication where applicable. No online system can provide absolute security, but we take reasonable measures to reduce avoidable risk and limit access to transaction-related information.
5. Authorization Problems, Declined Payments, and Disputes
Payments may be declined, delayed, or fail because of insufficient funds, incorrect billing information, expired credentials, bank or card restrictions, authentication failure, fraud-prevention controls, payment-provider decisions, or technical interruptions. If a payment is unsuccessful, the related order may remain pending or may not be processed until successful authorization is received. Customers should verify the information entered and, where appropriate, contact the relevant bank, card issuer, Stripe-supported payment provider, or PayPal. If you believe that a transaction was duplicated, charged incorrectly, or otherwise contains an error, please contact us at [email protected] before initiating a payment dispute or chargeback so that we can review the transaction. We may retain relevant order, payment, shipping, delivery, refund, and communication records where reasonably necessary to respond to such matters.
6. Approved Refunds and Original Payment Method
Where a refund is approved under our Return & Refund Policy, the approved amount will be submitted to the original payment method within 7 business days after the refund has been reviewed and approved. Refunds are generally returned through the same payment channel used for the original purchase, including eligible card transactions, PayPal, Apple Pay, or Google Pay payments. After we submit the refund, the time required for the funds to appear may vary according to the customer's bank, card issuer, PayPal, or other payment provider. Any differences caused by currency conversion, foreign-exchange movements, or fees charged independently by a bank or payment provider may not be refundable by us. For detailed return eligibility, procedures, and refund conditions, please review our Return & Refund Policy.