Payment Policy

This Payment Policy explains the payment methods, transaction currency, payment processing procedures, security measures, payment failures, disputes, and refund processing applicable to purchases made through fynorate.com, operated by FYNORATE, LLC. By placing an order on our website, you agree to the payment terms described below.

1. Accepted Payment Methods

We currently accept Visa, Mastercard, American Express, Discover, Maestro, PayPal, Apple Pay, and Google Pay. The payment methods available to you at checkout may vary depending on your location, device, browser, issuing bank, payment provider, and the availability of the applicable payment service. Only payment methods displayed as available during checkout can be used to complete an order.

2. Transaction Currency

All orders placed through fynorate.com are processed in Euro (EUR) as our transaction currency. Product prices, shipping charges, taxes, and other applicable order charges displayed at checkout will be calculated and charged in EUR unless otherwise specifically stated on the checkout page. If your bank account, card, or payment account is denominated in another currency, your bank or payment provider may convert the transaction into your local currency using its own exchange rate and may charge additional currency conversion or international transaction fees. Any such fees are determined and collected by your financial institution or payment provider and are not controlled by us.

3. Third-Party Payment Processing

Payments made through our website are securely processed by authorized third-party payment service providers, including Stripe and PayPal. Depending on the payment method selected during checkout, your transaction may be processed through Stripe, PayPal, or another payment infrastructure made available through these providers. We do not directly process or store your complete payment credentials on our own servers. We will never store sensitive customer payment information such as full payment card numbers, CVV or CVC security codes, or account authentication credentials. Payment authorization and settlement are handled through the applicable third-party payment provider and financial institution.

4. Payment Security and Data Protection

We take reasonable technical and organizational measures to protect payment transactions and customer information. Our website uses SSL/TLS encryption to help protect information transmitted between your browser and our website. Payment information processed by third-party providers may also be protected through security technologies and industry practices including tokenization, PCI-DSS compliant payment processing, secure payment gateways, fraud detection systems, and 3D Secure authentication where supported or required. These safeguards are designed to reduce unauthorized access, interception, fraud, and misuse of payment information. For additional information about how personal information is handled, please refer to our Privacy Policy.

5. Payment Authorization, Failure and Disputes

An order will generally be accepted for processing only after the applicable payment has been successfully authorized or confirmed. A payment may fail or be declined for reasons including insufficient funds, incorrect payment information, expired cards, bank restrictions, authentication failure, suspected fraud, payment provider restrictions, or temporary technical problems. If a payment fails, you may try the transaction again, use another available payment method, or contact your bank or payment provider for assistance. If you believe that a payment has been charged incorrectly, duplicated, or otherwise processed in error, please contact us at [email protected] before initiating a payment dispute or chargeback whenever reasonably possible so that we can review the transaction and attempt to resolve the issue. Nothing in this section limits any rights you may have under applicable law or through your payment provider.

6. Refunds and Payment Reversals

When a refund is approved in accordance with our Return & Refund Policy, the refund will normally be issued to the original payment method within 7 business days after the refund has been approved and processed by us. After we issue the refund, additional time may be required for your bank, card issuer, PayPal, or other payment provider to post the funds to your account. The exact posting time is determined by the applicable financial institution or payment provider and is outside our control. Unless otherwise required by applicable law, refunds will generally be returned using the same payment method used for the original transaction. For complete information regarding return eligibility, return conditions, refund procedures, and related requirements, please review our Return & Refund Policy.