1. Methods of payment
Payment for products on our online store can be made in one of the following ways: payment cards - VISA, Maestro or MasterCard that support payment over the Internet. Payment by cards is realized in cooperation with NLB Bank AD Podgorica and is done in a secure and certified way through Ixopay Payment Gateway, by simply entering data from the payment card.
After entering the card data and confirming the payment, the bank authorizes the transaction and thus the order is approved and enters the further process of preparation for delivery. The amount will be reserved on your card (account) and will not be available for another purpose.
The transaction will be completed, and the amount deducted from your account only when the products are prepared for transport and handed over to the courier service. If payment is not completed, or the amount is not deducted from the account by the expiration of 14 days from the acceptance of your order, that order will be canceled and deleted. After the expiration of the 14-day period, the money reserved in your account will be released and will be available to you again. You can then repeat the same or a new order, and make a payment related to them.
Check with the bank that issued the card to see if your card supports online payments.
2. Data protection when paying by cards
When entering payment card data, confidential information is transmitted over the public network in a protected (encrypted) form using SSL protocols, using the most modern methods of tokenization of sensitive data, and in accordance with PCI-DSS standards. At no time is the payment card information available to the merchant.
3D Secure protection for all merchants and customers - Ixopay Payment Gateway uses the highest global standards of data protection and privacy. All merchants who use the Ixopay Payment Gateway are automatically included in 3D-Secure protection, which guarantees customers the security of the purchase. Customer payment card numbers are not stored on the merchant's system and the registration itself is protected by SSL data encryption.
PCI Standards protect sensitive cardholder data during the entire payment process: from the moment of entering data at the merchant's point of sale, during communications between the merchant and relevant banks and card organizations, as well as later storage of this data
In the case of a refund to a customer who has previously paid for one of the payment cards, in part or in full, and regardless of the reason for the refund, the refund is made exclusively through the same VISA, Maestro or MasterCard card used for payment. This means that our bank will, at our request, refund the funds to the cardholder's account.
Our store is liable to accept returned - request within 7 days from the date of payment realization (Purchase Date)