Payment Policy

This Payment Policy applies to orders placed through lorvda.com. All prices and transactions on this website are processed in EUR. We accept the payment methods displayed at checkout, which may include major credit and debit cards, digital wallets, and other locally supported payment methods. Our payment processing services are provided through trusted third-party payment platforms, including Stripe and PayPal. By submitting an order, you confirm that you are authorized to use the selected payment method and that the billing information provided is true, complete, and accurate.

1. Accepted Payment Methods and Transaction Currency

We support the payment methods shown on the checkout page at the time of purchase. Available methods may vary depending on your location, device, browser, and the operational availability of Stripe, PayPal, or other supported payment channels. All product prices, shipping fees, refunds, and other transaction amounts are charged and processed in EUR. If your card issuer or payment provider uses another currency, your bank or provider may apply currency conversion rates, international transaction fees, or other charges, which are outside our control and remain your responsibility.

2. Payment Authorization and Order Confirmation

When you place an order, the selected payment method will be subject to authorization and verification by the relevant payment processor. Your order will only be confirmed after successful payment authorization or successful completion of the payment process. We reserve the right to refuse, cancel, or place an order on hold if a transaction is declined, flagged for risk review, cannot be verified, or appears inconsistent with our fraud prevention procedures. In such cases, no contract to supply goods will be formed until payment has been successfully confirmed and the order has been accepted for processing.

3. Payment Security and Technical Safeguards

We take payment security seriously. Payments are processed through secure third-party payment providers such as Stripe and PayPal, and our website uses HTTPS with SSL/TLS encryption to protect data transmitted between your device and our website during checkout. We do not store or directly access full card numbers, CVV codes, or equivalent sensitive payment credentials on our own servers. Payment processors may use additional security technologies and risk controls, including encrypted payment environments, tokenization, account verification, 3D Secure, fraud screening, and PCI-DSS-aligned security measures where applicable. For more information about how personal and payment-related data is protected, please see our Privacy Policy.

4. Failed Payments, Verification Issues, and Payment Disputes

A payment may fail or be declined for various reasons, including insufficient funds, incorrect billing details, expired cards, issuer restrictions, authentication failure, network interruption, account limitations, or automated fraud-prevention checks by Stripe, PayPal, or the relevant issuing bank. If your payment fails, you may try again using corrected information or a different supported payment method. We may also request additional verification where reasonably necessary to confirm transaction legitimacy. If a payment dispute, chargeback, or unauthorized transaction claim is raised, we may rely on order records, transaction references, shipping records, delivery information, and customer communications to respond to the review in accordance with payment provider requirements, including Stripe and PayPal dispute procedures.

5. Refunds and Return-Related Payment Handling

If a refund is approved in accordance with our Return & Refund Policy, the refund will be issued to the original payment method used for the purchase. Approved refunds are generally processed within 7 business days after the returned item has been inspected and the refund has been confirmed, or after the refund request is otherwise approved where no return is required. The exact time for the funds to appear in your account may vary depending on your bank, card issuer, PayPal, Stripe, or other payment provider. Original shipping fees are generally non-refundable unless otherwise required by law or where the refund is due to our verified error.

6. Taxes, Recordkeeping, and Contact

Any taxes, VAT, or similar charges shown at checkout will be handled in accordance with the applicable checkout configuration and destination rules. We maintain transaction-related records, including payment status, order value, refund history, and relevant communications, to support customer service, legal compliance, fraud prevention, and payment dispute handling. These records are retained in accordance with our Privacy Policy and related policies. If you have any questions about payments, billing issues, refunds, or transaction verification, please contact us via support@lorvda.com.