Kovacity Payment Policy

Effective Date: January 3, 2025

At Kovacity, we are committed to providing a secure and convenient shopping experience. Our Payment Policy ensures that you can make purchases with confidence while protecting your personal and financial information. This policy outlines the accepted payment methods, security measures, billing information, and additional details related to the payment process when shopping with us.

1. Accepted Payment Methods

We strive to provide a variety of payment options to cater to our customers’ preferences. Currently, we accept the following payment methods for both domestic and international orders:

1.1 Credit and Debit Cards

  • Visa
  • MasterCard
  • American Express
  • Discover
  • Diners Club

Credit and debit cards are the most popular payment method, and we accept all major brands. When you choose this option, you will be required to enter your card number, expiration date, CVV code, and billing address during checkout.

1.2 Digital Wallets

  • Apple Pay
  • Google Pay
  • PayPal

For a fast, secure, and streamlined checkout process, we offer integration with popular digital wallets. This option allows you to complete your purchase with just a few clicks, making it an excellent choice for customers who prefer mobile and online payment solutions.

1.3 Bank Transfers (For International Customers)

  • Wire Transfers
  • Direct Bank Transfers

We offer wire transfer payment options for international customers, particularly for large orders or customers who prefer traditional bank payments. Please note that this option may take additional time for processing.

1.4 Buy Now, Pay Later Options

  • Klarna
  • Afterpay

We have partnered with buy now, pay later services such as Klarna and Afterpay to give you the flexibility to split your purchase into manageable payments. When you choose this option, you can pay over time with interest-free installments (subject to credit approval).

1.5 Gift Cards

  • Kovacity Gift Cards

For your convenience, we also offer Kovacity Gift Cards. These gift cards can be redeemed during checkout and can be used for full or partial payment of your order. Gift cards are available in various denominations and are perfect for gifting or personal use.

2. Payment Security

The security of your payment information is of the utmost importance to us. We use industry-standard encryption and security measures to protect your personal and financial details throughout the payment process. All payment transactions are processed through secure, PCI-compliant gateways, ensuring that your data remains safe and confidential.

All payments made on kovacity.com are processed through trusted payment gateways such as Stripe and PayPal, which are fully encrypted and compliant with the highest levels of security standards. These gateways offer the latest security measures to ensure your payment information is securely transmitted.

We use SSL (Secure Socket Layer) encryption on our website to ensure that any sensitive data you provide, such as credit card information or personal details, is securely transmitted over the internet. This encryption ensures that your payment details are protected from unauthorized access.

At Kovacity, we comply with the Payment Card Industry Data Security Standard (PCI DSS) to ensure that all financial transactions are secure. This is a set of security standards designed to protect card information during and after a financial transaction.

3. Billing Information

To process payments, we require accurate billing information, including your name, billing address, and contact details. This information ensures that we can correctly process your payment and prevent fraud.

During the checkout process, we may verify your billing address using the Address Verification System (AVS). This system compares the billing address you enter with the one on file with your card issuer. If the information does not match, your transaction may be declined for security purposes.

When shopping internationally, please ensure that the currency and billing address you provide are accurate and match the information your payment provider has on file. This ensures smooth processing and helps prevent delays or errors in your order.

4. Payment Authorization

Once you select a payment method and submit your order, the payment will go through a payment authorization process. This step ensures that the funds are available and that the transaction is legitimate.

4.1 Authorization Process

  • Credit/Debit Cards: When you use a credit or debit card, the payment gateway will check with your card issuer to ensure the card is valid, the funds are available, and the billing address matches. This process typically takes a few seconds.
  • Digital Wallets: For PayPal, Apple Pay, and Google Pay, your transaction is processed through the respective wallet service, which will authenticate the payment before it is finalized.
  • Buy Now, Pay Later: For options like Klarna and Afterpay, the service will perform a quick credit check to ensure that you are eligible for installment payments.

If the payment is authorized, the order will be processed and shipped. If the authorization fails, you will be notified immediately and given an opportunity to provide an alternate payment method.

5. Order Processing and Payment Confirmation

Once your payment is successfully processed, you will receive an order confirmation email containing the details of your purchase, including the payment method used, the total cost of your order, and the estimated shipping date.

5.1 Payment Confirmation Email

  • This email serves as a confirmation that your payment was successfully processed and your order has been received.
  • If there are any issues with your payment (e.g., declined card or payment errors), we will notify you promptly via email to resolve the issue.

6. Payment Issues and Declined Transactions

In some cases, payments may be declined due to insufficient funds, incorrect billing information, or fraud detection by your payment provider. If your payment is declined, we recommend checking the following:

  • Card Information: Ensure that the credit or debit card information (number, expiration date, CVV) entered is accurate.
  • Available Funds: Make sure there are enough funds available in your account to cover the total amount of your order.
  • Billing Address: Double-check that the billing address entered matches the one on file with your payment provider.
  • Fraud Protection: Sometimes, your bank or card issuer may block payments for security reasons. Contact your bank to ensure that your card is authorized for online transactions.

If the payment continues to fail, you can choose an alternative payment method or contact our Customer Support Team for assistance.

7. Taxes and Fees

Depending on your location, your order may be subject to sales tax, VAT (Value Added Tax), or other local taxes. These taxes will be automatically calculated during the checkout process and included in the final total before you complete your purchase.

7.1 Sales Tax

  • United States: Sales tax will be added to your order if your shipping address is located in a state where Kovacity is required to collect tax.
  • International: For international customers, local taxes (e.g., VAT, GST) may apply depending on your country’s tax laws. These taxes will be calculated and added to the total during checkout.

7.2 Additional Fees

Some payment methods, such as wire transfers, may incur additional fees. If applicable, you will be notified of any extra charges before finalizing your order.

8. Refunds and Cancellations

In the event that you need to cancel an order or request a refund, we will handle the payment reversal according to our Refund and Returns Policy. Refunds are issued to the original payment method used during checkout. Please note the following:

  • Order Cancellation: If your order has not yet been processed or shipped, you can cancel it by contacting our customer service team at info@kovacity.com.
  • Refund Processing Time: Refunds for returned items may take 5–10 business days to process, depending on your payment method and financial institution.
  • Partial Refunds: If an item is returned or exchanged, a partial refund will be issued for the cost of the returned item(s).

9. Contact Us

If you have any questions or concerns regarding your payment, or if you need assistance with completing your transaction, feel free to reach out to our Customer Support team.