Payment Policy

1. Accepted Payment Methods

This Payment Policy applies to orders placed through jorvane.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 device, location, browser, payment provider, or checkout conditions.

2. Transaction Currency

All prices, shipping fees, discounts, refunds, and order totals on our website are processed in U.S. Dollars (USD). If your payment account uses another currency, your bank, card issuer, or payment provider may apply exchange rates, conversion fees, or international transaction fees. These charges are not controlled by us.

3. Payment Processing Providers

Payments on our website may be processed through secure third-party payment providers, including Stripe and PayPal. These providers help process card payments, digital wallet payments, PayPal payments, payment authorization, fraud review, refunds, and payment dispute handling. When you complete payment through Stripe or PayPal, your payment information may be processed according to their own security standards, terms, and privacy policies.

4. Payment Security

We use secure third-party payment processors and encrypted checkout technology to help protect payment information. Payment data may be transmitted using SSL/TLS encryption and processed through secure payment systems. We do not store full card numbers, CVV codes, or complete payment credentials on our own servers. We only receive limited transaction information needed to confirm payment, process orders, prevent fraud, issue refunds, and respond to payment disputes.

5. Payment Authorization and Failed Payments

When you place an order, your payment method may be authorized or charged at checkout. Orders will not be processed until payment is successfully confirmed. Payments may fail or be declined due to insufficient funds, incorrect billing details, expired cards, bank restrictions, fraud prevention review, payment provider errors, or network issues. If payment fails, please try another accepted payment method or contact your bank or payment provider.

6. Refunds

Approved refunds will be returned to the original payment method used for the order within 7 business days after refund approval. Depending on your bank, card issuer, or payment provider, it may take additional time for the refund to appear in your account. Shipping fees, customs duties, import taxes, or payment provider fees may be non-refundable unless required by law or unless the refund is caused by our confirmed error.

7. Payment Disputes and Chargebacks

If you have questions about a charge, order, delivery, return, or refund, please contact us first at service@jorvane.com so we can review and resolve the issue. We keep order records, payment confirmation, shipping information, tracking records, delivery confirmation, return records, refund records, and customer communication history to help handle payment disputes and chargeback reviews. If a dispute or chargeback is opened, the resolution may follow the rules of Stripe, PayPal, the card network, your bank, or the relevant payment provider.