Payment Policy

This Payment Policy explains how payments are accepted, authorized, processed, secured, and refunded for purchases made through qelmavor.com, which is operated by QELMAVOR, LLC.

By placing an order through qelmavor.com, you agree to the payment terms described below together with any related terms displayed during checkout.

1. Currency Used for All Transactions

All prices and transaction amounts shown on qelmavor.com are processed in Euros (EUR). This includes product prices, shipping charges, applicable taxes, refunds, and other amounts connected with an order.

If your bank account, card, or payment account is held in another currency, your bank, card issuer, or payment provider may convert the transaction into your local currency.

Any foreign transaction fee, currency conversion fee, or exchange-rate difference is determined by the applicable financial institution or payment provider and is not charged or controlled by QELMAVOR, LLC.

2. Payment Methods Available at Checkout

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

The exact payment options displayed during checkout may vary depending on factors such as your location, device, browser, card issuer, payment provider, and account eligibility.

The availability of a payment option on one order does not guarantee that the same option will always be available for future transactions.

3. How Payments Are Processed

Payments made through qelmavor.com are processed through authorized third-party payment service providers, including Stripe and PayPal.

Depending on the method selected, payment details may be transmitted directly to the applicable payment provider for authorization, verification, and transaction processing.

QELMAVOR, LLC does not store, retain, or have direct access to your complete payment card number, CVV or CVC security code, payment account password, or other complete payment credentials.

We may receive limited transaction information such as payment status, payment method type, transaction reference, authorization result, refund status, and other information necessary to administer the order.

4. Security Measures Used During Payment

We use technical and organizational safeguards intended to help protect payment-related information transmitted through our website.

Our website uses HTTPS and SSL/TLS encryption to help protect information transmitted between your browser, our website, and relevant payment service providers.

Payment processing may also involve tokenization, PCI DSS-compliant payment environments, payment authorization controls, fraud monitoring, risk analysis, and 3-D Secure authentication where supported or required.

Tokenization helps reduce the need for complete payment credentials to be stored within our ecommerce systems by replacing sensitive data with a non-sensitive transaction token.

5. Payment Authorization and Order Status

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

An order may remain pending, be placed on hold, or fail to complete if payment authorization cannot be obtained or if additional verification is required.

Payment authorization may be affected by bank restrictions, fraud-prevention systems, billing information, available funds, card status, payment-provider rules, or other verification requirements.

6. Declined, Failed, or Interrupted Payments

A payment may be declined or fail because of insufficient funds, incorrect billing information, an expired payment method, bank restrictions, security checks, authorization requirements, fraud-prevention controls, or temporary technical interruptions.

If a payment is declined, you may try another payment method shown during checkout or contact your bank, card issuer, or payment provider for additional information.

If payment is not successfully authorized, the related order may not proceed to fulfillment.

7. Duplicate Charges and Unexpected Payment Issues

If you believe that you have been charged more than once for the same order, notice an unexpected transaction amount, or identify another payment-related issue, please contact us at hello@qelmavor.com.

When reviewing a payment concern, we may compare the available order information, transaction references, authorization records, payment status, and refund history associated with the order.

In some cases, an amount shown by your bank may be a temporary authorization hold rather than a completed duplicate charge. The timing and release of such holds are controlled by the applicable financial institution.

8. Refunds to the Original Payment Method

Approved refunds are returned to the original payment method used for the applicable transaction.

Once an eligible return has been received, inspected, and approved, or another refund request has otherwise been approved, we generally process the refund within approximately 7 business days.

After the refund has been submitted, your bank, card issuer, Stripe, PayPal, Apple Pay, Google Pay, or other payment provider may require additional time before the refunded amount appears in your account.

That additional posting time is controlled by the applicable financial institution or payment provider and may vary.

For information about return eligibility, return conditions, damaged or incorrect products, and the refund review process, please review our Return & Refund Policy.

9. Refund Currency and Conversion Differences

Refunds are normally issued in the same transaction currency used for the original purchase, which is Euros (EUR).

If your bank or payment provider converted the original payment from EUR into another currency, the refunded amount shown in your local currency may differ because of exchange-rate changes, conversion fees, or other charges controlled by that provider.

QELMAVOR, LLC does not determine or control exchange rates used by banks, card issuers, or payment providers.

10. Payment Verification and Fraud Prevention

To help protect customers and our store, payment transactions may be subject to automated or manual review.

This may include verification of transaction details, billing information, payment authorization status, risk indicators, device information, or other information reasonably necessary to reduce fraudulent or unauthorized activity.

We may delay or decline fulfillment where payment cannot be reasonably verified or where the transaction presents a significant fraud or security concern.

11. Payment Disputes and Chargebacks

If you believe a payment was unauthorized, duplicated, incorrectly processed, or related to an unresolved order issue, we encourage you to contact us first at hello@qelmavor.com so we can review the matter.

If a payment dispute, chargeback, PayPal claim, Stripe dispute, or similar investigation is opened, we may provide relevant transaction and order information to the applicable payment provider, bank, card issuer, or payment network.

Such information may include order details, payment confirmation, billing information, shipping information, tracking records, delivery confirmation, customer communications, return requests, refund records, and other information reasonably related to the dispute.

The submission of a chargeback or payment dispute does not automatically determine the final outcome. The applicable bank, card issuer, Stripe, PayPal, or other payment provider may make the final decision according to its own procedures and payment-network rules.

12. Payment Records and Privacy

We may retain limited transaction information reasonably necessary for order administration, accounting, refund processing, fraud prevention, dispute resolution, and compliance with applicable legal obligations.

Complete payment credentials are handled by authorized payment processors rather than stored directly by QELMAVOR, LLC.

For more information about how transaction information and personal data are handled, please review our Privacy Policy.

13. Changes to Available Payment Methods

QELMAVOR, LLC may update the payment methods available through qelmavor.com when reasonably necessary because of payment-provider changes, technical requirements, regional availability, fraud-prevention measures, compliance requirements, or operational changes.

Any payment methods currently available for an order will be shown during checkout before the transaction is completed.

14. Payment Support

If you have questions regarding payment authorization, failed transactions, duplicate charges, refunds, or another payment-related matter, please contact us at hello@qelmavor.com or visit our Contact Us page.

Our customer service team can review the payment and order information available to QELMAVOR, LLC, but your bank, card issuer, Stripe, PayPal, Apple Pay, Google Pay, or another payment provider may need to assist with issues controlled directly by that provider.