Payment Policy

This Payment Policy explains the payment methods, transaction currency, payment processing, security measures, failed transactions, payment disputes, and refund procedures applicable to purchases made through tovemrix.com. Payments are processed through established payment service providers, including Stripe-supported payment methods and PayPal, to provide customers with secure and convenient checkout options.

1. Accepted Payment Methods

We currently accept Visa, iDEAL, American Express, PayPal, Mastercard, Google Pay, Discover, and Apple Pay.

The payment methods available to an individual customer may vary depending on their country, device, browser, bank, card issuer, or payment provider.

Eligible card and digital wallet payments may be processed through Stripe or other integrated payment infrastructure, while PayPal payments are processed through PayPal. iDEAL payments are available where supported and are completed through the applicable participating banking and payment network.

Customers will be shown the payment methods currently available to them during checkout before completing the transaction.

2. Transaction Currency

All purchases made through tovemrix.com are processed in EUR (€). The order total displayed during checkout will show the amount payable in this transaction currency before payment is submitted.

If a customer's card, bank account, PayPal account, or digital wallet uses another currency, the customer's bank or payment provider may convert the transaction using its own exchange rate.

Any currency conversion fees, foreign transaction fees, banking charges, or similar fees imposed by the customer's financial institution or payment provider are separate from the amount charged by TOVEMRIX, LLC.

3. Payment Security & Data Protection

We use established payment service providers and industry-standard security measures to help protect payment transactions made through tovemrix.com.

Our website uses secure HTTPS connections with SSL/TLS encryption to help protect information transmitted between the customer's browser, our website, and the applicable payment processing systems.

Payment information may also be protected through security technologies used by our payment providers, including tokenization, encrypted payment transmission, fraud monitoring, and 3D Secure authentication where supported or required.

Sensitive payment credentials, including complete card information, are processed through the applicable payment provider rather than being used by us as ordinary website account information.

Depending on the transaction, additional verification may be requested by the customer's bank, Stripe, PayPal, iDEAL participating institutions, or another payment provider as part of their security and fraud-prevention procedures.

4. Payment Authorization & Failed Payments

An order is considered successfully paid only after the applicable payment provider confirms that the transaction has been authorized or completed.

A payment may be declined, delayed, or unsuccessful for reasons including incorrect payment information, insufficient funds, card restrictions, bank security controls, authentication failure, fraud-prevention checks, unavailable payment methods, or temporary technical issues.

If a payment is unsuccessful, customers may review the payment information entered during checkout or use another available payment method.

In some cases, a bank or payment provider may temporarily display a pending authorization even when an order has not been completed. The release or removal of a pending authorization is controlled by the applicable bank or payment provider.

Customers who continue to experience payment difficulties may contact us at [email protected] or use our Contact Us page for assistance.

5. Refunds & Original Payment Method

Refund eligibility is determined in accordance with our Refund & Returns Policy.

When a refund has been approved, it will normally be returned to the original payment method used for the purchase.

Approved refunds are generally processed by us within 7 business days after the refund has been confirmed, including after an eligible return has been received and approved where a physical return is required.

Payments originally made through Stripe-supported cards or digital wallets will generally be refunded through the original transaction. Payments made through PayPal will normally be refunded through the original PayPal transaction.

Payments made through iDEAL or another supported payment method will generally be refunded through the original payment route where supported by the applicable provider.

After we issue a refund, the customer's bank, card issuer, PayPal, Stripe-supported payment provider, or other financial institution may require additional processing time before the refunded amount appears in the customer's account.

This additional posting period is controlled by the payment provider and is separate from our 7-business-day refund processing period.

6. Payment Disputes, Chargebacks & Support

If a customer believes that a payment was incorrect, duplicated, unauthorized, or otherwise requires review, they are encouraged to contact us at [email protected] so that we have an opportunity to investigate the transaction and provide an appropriate resolution.

If a payment dispute, chargeback, or payment review is submitted through Stripe, PayPal, a bank, card issuer, iDEAL participating institution, or another payment provider, we may provide relevant transaction records to support the review.

These records may include order confirmation details, payment records, shipping and tracking information, delivery confirmation, customer communications, return requests, photographs supplied in connection with a claim, and refund records where applicable.

Payment providers and financial institutions may apply their own investigation procedures and review timelines. We will cooperate with legitimate dispute reviews and provide relevant transaction information where appropriate.

Nothing in this Payment Policy is intended to limit any rights available to customers under applicable consumer protection laws or under the rules of the relevant payment provider.

Customers who need assistance with a payment, refund, failed transaction, or payment-related concern may contact us at [email protected] or visit our Contact Us page.