Payment Policy

1. Accepted Payment Methods

This Payment Policy applies to orders placed through zovarel.com. We accept major payment methods displayed at checkout, including Visa, Mastercard, American Express, Discover, Klarna, Apple Pay, Google Pay, and PayPal. Available payment methods may vary depending on your location, device, browser, payment provider rules, and checkout availability at the time of purchase.

2. Transaction Currency

All product prices, shipping fees, taxes, order totals, refunds, and payment transactions on zovarel.com are processed in United States Dollars (USD). If your card, PayPal account, digital wallet, or payment account uses another currency, your bank, card issuer, PayPal, Klarna, Apple Pay, Google Pay, or other payment provider may apply currency conversion rates or additional fees according to its own policies.

3. Payment Authorization and Order Confirmation

By placing an order, you authorize the applicable payment provider to charge the full checkout amount, including product price, shipping fee, taxes if applicable, and any other charges clearly shown at checkout. Orders are processed only after payment is successfully confirmed. After payment confirmation, orders are usually processed within 1–4 business days in accordance with our Shipping Policy.

4. Payment Security

Payments are processed through secure third-party payment providers such as Stripe, PayPal, Klarna, Apple Pay, Google Pay, and card network-supported systems. We do not store full card numbers, CVV codes, PayPal login credentials, complete wallet credentials, or full payment authentication information on our website servers. Payment providers may use encryption, tokenization, secure checkout connections, fraud screening, risk review tools, and payment authentication methods to help protect transactions.

5. Payment Failure and Payment Disputes

Payments may fail due to incorrect billing information, insufficient funds, card issuer decline, payment provider risk review, authentication failure, expired card details, network errors, or other provider-related reasons. If your payment fails, please check your payment information or contact your bank or payment provider. If you believe there is an issue with a charge, order, delivery, return, or refund, please contact us at service@zovarel.com before opening a payment dispute so that we can review the matter and provide order records, tracking information, delivery confirmation, refund records, or customer support evidence where applicable.

6. Refunds

Approved refunds will be issued to the original payment method used for the order. Refunds are usually processed within 7 business days after the return has been inspected and approved or after the refund request has otherwise been confirmed as eligible. The time it takes for the refunded amount to appear in your account may vary depending on your bank, card issuer, PayPal, Klarna, Apple Pay, Google Pay, or other payment provider. Original shipping fees are generally non-refundable unless the refund is caused by our error, a verified product issue, an incorrect item, or where required by law.