Payment Policy

1. Overview

This Payment Policy outlines the payment methods, terms, and procedures for purchases made through sgiqachose.shop. We are committed to providing secure, convenient, and transparent payment options that comply with applicable payment regulations worldwide, including EU Payment Services Directive 2 (PSD2), GDPR, PCI DSS standards, and other international payment security standards.

By making a purchase on our website, you agree to the terms set forth in this Payment Policy and authorize us to charge your selected payment method for the total amount of your order, including all applicable taxes and fees.

2. Accepted Payment Methods

We accept a wide range of payment methods to accommodate customers across Europe and internationally:

Note: Payment method availability may vary based on your location, order amount, and product type. Not all payment methods are available for all transactions. The specific options available to you will be displayed at checkout.

3. Prices, Currency, and Taxes

Pricing:

All prices displayed on our website are in Euros (€) unless otherwise stated. For customers outside the Eurozone, prices may be displayed in your local currency for reference. Prices are subject to change without notice, but changes will not affect orders already placed.

Value Added Tax (VAT) and Sales Tax:

Currency Conversion:

If you use a payment method in a currency other than Euros, your bank or payment provider may apply currency conversion fees and exchange rates. We are not responsible for any currency conversion charges or exchange rate fluctuations.

Price Accuracy:

While we strive to ensure price accuracy, errors may occur. If we discover a pricing error after you've placed an order, we will notify you and give you the option to:

• Proceed with the order at the correct price
• Cancel the order and receive a full refund

4. When Payment is Charged

Payment Authorization:

When you place an order, we will seek authorization from your payment provider to verify that your payment method is valid and has sufficient funds. This authorization may appear as a pending charge on your account.

Payment Capture:

Your payment method will be charged when:

• Credit/Debit Cards & Digital Wallets:Immediately upon order confirmation
• Bank Transfer Methods:When we receive confirmation of successful transfer
• Buy Now, Pay Later (Klarna):According to the terms of your Klarna agreement

Pre-orders and Backorders:

For pre-orders or items on backorder, payment will be charged at the time you place the order, not when the item ships, unless otherwise specified on the product page.

5. Payment Security and Compliance

PCI DSS Compliance:

We are fully compliant with the Payment Card Industry Data Security Standard (PCI DSS). We do not store your complete credit card information on our servers. All payment data is processed through certified, secure payment gateways using industry-standard encryption.

Strong Customer Authentication (SCA):

SSL Encryption:

All payment transactions are encrypted using Secure Socket Layer (SSL) technology with a minimum of 256-bit encryption. Look for the padlock symbol in your browser's address bar to confirm a secure connection.

Tokenization:

If you choose to save your payment information for future purchases, we use tokenization. This means your actual card details are replaced with a unique identifier (token) that is useless if intercepted.

6. Failed Payments

If your payment fails, we will notify you immediately via email. Common reasons for payment failures include:

• Insufficient funds in your account
• Incorrect payment details entered
• Card expired or blocked
• Authentication failed or cancelled (3D Secure/SCA)
• Payment declined by your bank or card issuer
• International transaction restrictions
• Technical issues with payment processor

What Happens Next:

If your payment fails:

1. Your order will not be processed
2. You will receive an email notification with the reason for failure (if available)
3. No items will be reserved or shipped
4. You may attempt to place a new order with a different payment method

Contacting Your Bank:

If you believe the payment should have succeeded, please contact your bank or card issuer. They can provide specific information about why the transaction was declined.

7. Third-Party Payment Processors

We use trusted third-party payment service providers to process your transactions securely. These include:

• Stripe- Credit/debit cards, Apple Pay, Google Pay
• PayPal- PayPal wallet transactions
• Adyen- Local European and international payment methods
• Klarna- Buy now, pay later services

When you use these payment methods, you may be redirected to the payment provider's secure platform to complete the transaction. These providers have their own terms of service and privacy policies, which govern your use of their services.

8. Additional Fees and Charges

Payment Method Surcharges:

Your Bank's Fees:

Your bank or payment provider may charge their own fees, including:

• Foreign transaction fees (for international transactions)
• Cash advance fees (if using certain payment methods)
• Currency conversion fees
• International payment processing fees
• Cross-border transaction fees

These fees are set by your financial institution and are not controlled by us. Please check with your bank for their fee schedule.

Buy Now, Pay Later Fees:

If you use Klarna or other BNPL services, their terms may include interest or late payment fees. These are charged directly by the BNPL provider, not by us. Please review their terms carefully before proceeding.

9. Refunds and Payment Reversals

Refund Processing:

When you are entitled to a refund (e.g., return, cancellation, or defective product), we will process the refund to your original payment method within 14 days of approving the refund request, in accordance with applicable consumer protection laws.

Refund Timeframes:

• Credit/Debit Cards:5-10 business days after refund is issued
• PayPal:1-3 business days
• Apple Pay/Google Pay:5-10 business days
• Bank Transfer Methods:3-10 business days
• Klarna:Processed according to your Klarna payment schedule
• International Payments:May take up to 15 business days

Note: The time it takes for the refund to appear in your account depends on your bank or payment provider's processing time and may be longer for international transactions. If you do not see the refund after the stated timeframe, please contact your financial institution.

Partial Refunds:

In cases of partial returns or partial cancellations, you will receive a refund for the returned items only. Shipping costs may not be refunded unless the return is due to our error or a defective product.

Refund to Alternative Method:

In rare cases where we cannot refund to your original payment method (e.g., expired card), we will contact you to arrange an alternative refund method, such as bank transfer or store credit.

10. Fraud Prevention and Verification

Anti-Fraud Measures:

To protect you and us from fraudulent transactions, we employ various security measures:

• Real-time transaction monitoring and fraud detection
• Address Verification System (AVS) for card payments
• Card Verification Value (CVV) requirements
• Velocity checks (unusual purchasing patterns)
• IP address and device fingerprinting
• 3D Secure/SCA authentication
• Geolocation verification

Order Verification:

High-Risk Orders:

Orders may be flagged as high-risk if:

• Billing and shipping addresses are significantly different
• Multiple orders placed in a short time period
• Unusually large order value
• Shipping to a high-risk location
• Use of multiple payment methods or cards
• First-time international customer with large order

If your order is flagged, we will contact you at [email protected] or the phone number provided during checkout for verification.

11. Disputes and Chargebacks

Contact Us First:

Dispute Resolution:

If you have a concern about a charge on your account:

1. Contact us within 60 days of the charge
2. Provide your order number and description of the issue
3. We will investigate and respond within 7 business days
4. If the issue cannot be resolved, you may escalate to your payment provider

Chargeback Consequences:

If you file a chargeback:

• Your account may be suspended pending investigation
• We will provide evidence to your bank to contest the chargeback if appropriate
• If the chargeback is found to be invalid or fraudulent, you may be liable for costs and legal action
• Excessive chargebacks may result in permanent account termination

Alternative Dispute Resolution:

EU Customers:You have access to the Online Dispute Resolution (ODR) platform:https://ec.europa.eu/consumers/odr

Other Regions:Dispute resolution options may vary by jurisdiction. Please contact us for information about available dispute resolution mechanisms in your region.

12. Data Protection and Privacy

Data Protection Compliance:

We process payment data in accordance with applicable data protection laws worldwide, including the EU General Data Protection Regulation (GDPR), California Consumer Privacy Act (CCPA), UK Data Protection Act, and other regional privacy regulations.

Payment Data We Collect:

• Direct Collection:Billing address, email address, phone number
• From Payment Processors:Last 4 digits of card, card type, expiration date, transaction ID
• We Never Store:Full card numbers, CVV codes, complete bank account details, PIN codes

Legal Basis for Processing:

We process your payment data based on:

• Contract Performance:To complete your purchase
• Legal Obligation:Tax, accounting, and regulatory requirements
• Legitimate Interest:Fraud prevention and dispute resolution
• Consent:Saving payment methods for future use (where applicable)

Data Retention:

We retain payment-related data in accordance with applicable laws:

• Transaction records: Up to 10 years (tax and accounting requirements)
• Fraud prevention data: Up to 7 years
• Saved payment tokens: Until you delete them or close your account

Your Privacy Rights:

Depending on your location, you may have rights including:

• Access your payment data
• Correct inaccurate information
• Delete saved payment methods
• Object to certain types of processing
• Request transaction history (data portability)
• Withdraw consent (where processing is based on consent)

To exercise these rights regarding payment data, contact: [email protected]

For complete information about data protection, please see our Privacy Policy.

13. Special Payment Terms

Subscription Payments:

If you purchase a subscription service:

• Your payment method will be charged automatically at each billing cycle
• You will receive a reminder email before each charge
• You can cancel at any time through your account settings
• Cancellation takes effect at the end of the current billing period

Gift Cards and Vouchers:

If paying with gift cards or vouchers:

• Enter the code at checkout before completing payment
• Gift cards cannot be redeemed for cash (except where required by law)
• Remaining balances can be used for future purchases
• Check your account for gift card balance
• Expired or invalid codes will not be accepted

Promotional Codes and Discounts:

When using promotional codes:

• Codes must be entered at checkout before payment
• Only one promotional code per order unless stated otherwise
• Codes cannot be applied to previous orders
• We reserve the right to cancel orders with fraudulently obtained or misused codes

Business and Wholesale Orders:

Business customers may have access to additional payment terms such as invoice payment with net 30 days. Contact [email protected] for business account setup and payment options.

14. Changes to Payment Policy

We reserve the right to modify this Payment Policy at any time. Changes will be posted on this page with an updated revision date. Material changes will be notified to existing customers via email where required by applicable law.

The payment terms applicable to your order are those in effect at the time you place your order. Continued use of our services after changes constitutes acceptance of the updated policy.

Payment Method Changes:

We may add or remove payment methods at our discretion. If a payment method you previously used is no longer available, we will notify you and provide alternative options.

15. Contact Information

For questions, concerns, or issues regarding payments, please contact us:

When contacting us about a payment issue, please provide:

• Your order number
• Date and amount of transaction
• Payment method used
• Description of the issue
• Any error messages received
• Your location/country

We aim to respond to all payment inquiries within 24-48 hours during business days.