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Payment policy

Contents

1 Introduction

1.1 Purpose and Scope

1.2 Acceptance of Payment Terms

2 Accepted Payment Methods

2.1 Overview of Available Payment Options

2.2 Details and Conditions for Each Method

3 Payment Processing

3.1 Secure Transaction Processing

3.2 Payment Verification and Authorization

4 Billing Information

4.1 Requirements for Accurate Billing Information

4.2 Data Protection and Privacy

5 Payment Failures and Disputes

5.1 Handling of Failed Transactions

5.2 Resolution of Payment Disputes

6 Refund Policy

6.1 Conditions for Refunds

6.2 Refund Process and Timeline

7 Contact Information for Payment Queries

7.1 Customer Service Contact Details

7.2 Procedure for Payment-Related Inquiries

 

 

1           Introduction

1.1          Purpose and Scope

  1. Objective of the Policy: The Payment Policy of DigiZauber is designed to provide our customers with clear and comprehensive guidelines regarding the payment process for products and services offered. This policy aims to ensure a seamless, secure, and efficient transaction experience for every customer.
  2. Scope: This policy applies to all transactions conducted through DigiZauber’s online platform, over the phone, or through any other means where payments are made to DigiZauber. It covers all types of payment methods and processes associated with purchasing our products and services.
  3. Application: The policy is applicable to all customers of DigiZauber, including individuals and businesses, across all geographical locations where DigiZauber operates. It addresses various payment scenarios, catering to the diverse needs and preferences of our global customer base.

1.2          Acceptance of Payment Terms

  1. Agreement to Terms: By proceeding with a transaction with DigiZauber, customers agree to abide by the terms and conditions outlined in this Payment Policy. It is the customer’s responsibility to read and understand these terms before making a payment.
  2. Updates to the Policy: DigiZauber reserves the right to modify or update this Payment Policy at any time. Customers are encouraged to review the policy periodically to stay informed of any changes. Continued use of DigiZauber’s services after any such changes constitutes acceptance of the new payment terms.
  3. Payment Obligations: Customers are obligated to complete payments as per the agreed-upon terms during the purchase process. This includes adhering to the specified payment method, currency, and timelines.
  4. Customer Responsibility: It is the customer's responsibility to ensure that all payment information provided is accurate and up to date. DigiZauber is not responsible for any issues or losses arising from incorrect or outdated payment information provided by the customer.

2           Accepted Payment Methods

2.1          Overview of Available Payment Options

  1. Range of Payment Methods: DigiZauber is committed to providing a variety of payment options to accommodate the diverse preferences and needs of our customers. Our accepted payment methods are designed to offer convenience, security, and flexibility.
  2. Types of Payment Methods: The following payment options are available for customers:

-          Credit/Debit Cards

-          Online Payment Services (e.g., PayPal)

-          Bank Transfers

-          Payment on Delivery (where applicable)

-          Other Alternative Payment Methods (e.g., mobile payments, cryptocurrencies, where supported)

  1. Geographical Variations: Some payment methods may be specific to certain geographical locations. Customers should refer to the payment options available in their region during the checkout process.

2.2          Details and Conditions for Each Method

  1. Credit/Debit Cards:

-          Accepted Cards: Visa, MasterCard, American Express, and other major credit and debit cards.

-          Security Measures: Transactions are secured with SSL encryption, and additional verification may be required for security.

  1. Online Payment Services (e.g., PayPal):

-          Integration with PayPal and similar services allows for secure and swift transactions.

-          Customers need to have an active account with the service provider.

  1. Bank Transfers:

-          Ideal for larger transactions or when direct debit/credit card payment is not preferable.

-          Bank details and instructions for transfer will be provided at checkout.

  1. Payment on Delivery:

-          Available in select regions for certain products.

-          Payment is made to the delivery agent upon receiving the goods.

  1. Alternative Payment Methods:

-          Includes mobile payment solutions, digital wallets, and cryptocurrencies where available.

-          Specific terms and availability will vary based on the chosen method and region.

  1. Transaction Confirmation: After a successful transaction, customers will receive a confirmation via email, which serves as proof of payment and includes transaction details.
  2. Failure to Process Payments: In cases where payment processing fails due to issues like insufficient funds, expired card, etc., customers will be notified and asked to provide an alternative payment method.

3           Payment Processing

3.1          Secure Transaction Processing

  1. Utilizing Stripe for Card Payments: DigiZauber uses Stripe, a globally recognized payment processing platform, for processing credit and debit card transactions. Stripe's state-of-the-art security measures ensure that card payments are handled with the highest level of security.
  2. Encryption and Compliance: All payment information processed through Stripe is encrypted using industry-standard technology. Stripe also complies with the most stringent PCI DSS standards, providing additional assurance of the security of cardholder data.
  3. Integration with Other Payment Services: In addition to Stripe, DigiZauber offers integration with PayPal, Google Pay, and Apple Pay, catering to a variety of payment preferences. Each of these services is known for its secure and user-friendly payment processing capabilities.

3.2          Payment Verification and Authorization

  1. Verification with Stripe and Other Platforms: When a payment is made, Stripe, along with PayPal, Google Pay, or Apple Pay (depending on the chosen method), performs an immediate verification of the payment details. This includes checks for validity, available funds, and fraud prevention.
  2. Real-Time Monitoring: DigiZauber, in conjunction with Stripe and other payment platforms, monitors transactions to identify and prevent fraudulent activities. Any suspicious transactions are subject to additional verification.
  3. Communication of Transaction Status: Customers receive instant notifications about the status of their transactions. Successful transactions are confirmed through email receipts, while issues such as payment declines may be communicated for quick resolution.
  4. Assistance with Payment Processing: DigiZauber’s customer service team may assist customers with inquiries related to payment processing via Stripe, PayPal, Google Pay, or Apple Pay. They provide support for common issues like transaction declines or payment errors.

4           Billing Information

4.1          Requirements for Accurate Billing Information

  1. Necessity of Accurate Details: For successful processing of payments, it is essential that customers provide accurate and complete billing information. This includes the customer’s full name, billing address, and payment details such as credit card number, expiration date, and CVV code.
  2. Verification of Information: To prevent fraudulent transactions and ensure the security of financial operations, DigiZauber, in collaboration with payment processors like Stripe, PayPal, Google Pay, and Apple Pay, conducts verification checks on the provided billing information.
  3. Updating Billing Information: Customers are responsible for keeping their billing information up-to-date. Changes in details, such as a new billing address, should be promptly communicated to DigiZauber through the customer’s account on the website or by contacting customer service.
  4. Implications of Inaccurate Information: Inaccurate or incomplete billing information may lead to transaction delays, payment declines, or cancellations of orders. DigiZauber is not responsible for issues arising from incorrect billing information provided by the customer.

4.2          Data Protection and Privacy

  1. Commitment to Data Security: DigiZauber adheres to strict data protection protocols to ensure the confidentiality and security of customers’ billing information. All sensitive data is encrypted and processed through secure channels.
  2. Compliance with Data Protection Laws: As part of our commitment to data privacy, DigiZauber complies with relevant data protection regulations, including the GDPR for European customers. This ensures that personal and financial data is handled lawfully and transparently.
  3. Use of Data: The billing information collected is used solely for processing payments and managing transactions. It is not shared with third parties, except as necessary for payment processing and fraud prevention, in accordance with our Privacy Policy.
  4. Customer Access and Control: Customers have the right to access, modify, or delete their billing information. DigiZauber provides tools and customer service support for customers to manage their billing data easily.
  5. Retention of Billing Information: Billing data is retained only as long as necessary for accounting, legal, and transactional purposes. Following this period, the information is securely deleted or anonymized.

5           Payment Failures and Disputes

5.1          Handling of Failed Transactions

  1. Identification of Failure Causes: When a payment transaction fails, DigiZauber’s system, in coordination with payment processors like Stripe, PayPal, Google Pay, and Apple Pay, identifies the cause. Common reasons include insufficient funds, incorrect card details, expired payment cards, or bank-imposed transaction limits.
  2. Immediate Notification: Customers are immediately notified of any failed transaction, typically via email or a notification on the website during the checkout process. This notification includes a general reason for the failure without compromising security or privacy.
  3. Customer Action Steps: Customers are advised to check their payment information for accuracy, ensure sufficient funds are available, or consult their bank or card issuer to resolve issues that led to the transaction failure.
  4. Assistance from Customer Service: DigiZauber’s customer service team is available to assist customers in understanding and resolving payment failures. This may include guiding customers through the process of updating payment information or attempting the transaction again.

5.2          Resolution of Payment Disputes

  1. Initiating a Dispute: If a customer disputes a transaction, for reasons such as unauthorized charges or discrepancies in billing, they should contact DigiZauber’s customer service immediately to initiate a dispute resolution process.
  2. Investigation Process: Upon receiving a dispute notification, DigiZauber investigates the claim in collaboration with the payment processors. This includes reviewing transaction records, verifying the authorization of the transaction, and ensuring the accuracy of the charges.
  3. Resolution and Communication: The outcome of the investigation is communicated to the customer. If the dispute is valid, appropriate actions, such as refunding the disputed amount or correcting the billing error, are taken.
  4. Escalation Procedures: In cases where a resolution is not reached to the customer's satisfaction, the matter may be escalated within DigiZauber’s customer service hierarchy, or the customer may be advised on alternative dispute resolution mechanisms, such as mediation.
  5. Record Keeping: All payment disputes and their resolutions are documented for internal review, compliance purposes, and continual improvement of the payment process.

6           Refund Policy

6.1          Conditions for Refunds

  1. Eligibility for Refund: Refunds are typically processed in cases such as cancellation of orders prior to dispatch, returns under the Right of Withdrawal policy, products received in a damaged or defective state, or erroneous transactions.
  2. Product Returns: For product returns, the item must be in its original condition, and the return must comply with DigiZauber’s Returns Policy. The receipt of returned goods will precede the refund process.
  3. Service Cancellations: In case of service cancellations, eligibility for a refund will depend on the terms of the service agreement and the stage at which the service is canceled.
  4. Erroneous Transactions: If a transaction is proven to be erroneous or unauthorized, a full refund will be initiated following a thorough investigation.

6.2          Refund Process and Timeline

  1. Initiation of Refund: Once a refund is approved, DigiZauber will initiate the refund process without undue delay.
  2. Refund Method: Refunds are generally processed using the same payment method used for the original transaction unless otherwise agreed with the customer. In cases where the original payment method cannot be used for refunds, an alternative method will be arranged.
  3. Processing Time: The standard timeline for refund processing is within 14 days from the date of approval of the refund request. However, the actual credit to the customer's account may depend on the payment method and the processing times of the banks or payment service providers involved.
  4. Notification of Refund: Customers will be notified via email once the refund has been processed. This notification will include details of the refund transaction for the customer’s records.
  5. Handling Refund Discrepancies: If there are any discrepancies or issues with the refund amount, customers are encouraged to contact DigiZauber’s customer service for resolution.
  6. Record Keeping: DigiZauber maintains comprehensive records of all refunds for accountability and to assist in any future inquiries or audits.

7           Contact Information for Payment Queries

7.1          Customer Service Contact Details

  1. Dedicated Support for Payment Queries: DigiZauber offers dedicated customer service support for payment-related questions and issues. Our team is trained to assist with a variety of payment concerns, ensuring efficient and helpful service.
  2. Contact Channels:

-          Email Support: For detailed inquiries or issues that require documentation, customers can reach out to our payment support team at [Insert Payment Support Email Address].

-          Phone Support: For immediate assistance, customers can call our payment support helpline at [Insert Payment Support Phone Number]. This service is available during [Insert Business Hours].

-          Online Contact Form: For convenience, an online contact form is available on our website specifically for payment-related questions.

  1. Multilingual Support: Recognizing the diversity of our customer base, DigiZauber provides customer service in multiple languages. Customers can inquire about the availability of support in their preferred language.

7.2          Procedure for Payment-Related Inquiries

  1. Initial Contact: When contacting us for payment-related inquiries, customers are encouraged to provide as much detail as possible about their order and the issue they are facing. This includes order number, transaction date, payment method used, and a description of the query or problem.
  2. Response Time: Our aim is to respond to all payment-related inquiries within one business day. More complex issues may require additional investigation and response time.
  3. Escalation Process: If an issue cannot be resolved at the first point of contact, it will be escalated to our specialized payment resolution team. Customers will be informed about the escalation and can expect regular updates on the progress of their inquiry.
  4. Record Keeping: All communication regarding payment inquiries is documented for quality assurance and to aid in any future follow-up or dispute resolution.
  5. Feedback and Improvement: We welcome feedback on the resolution of payment issues and use this to continually improve our services. Customers can provide feedback through our website or directly to our customer service team.

 

Last Updated: December 25, 2023