Payment Policy
This Payment Policy explains the payment methods, transaction currency, payment processing, payment security, failed or disputed transactions, and refund procedures applicable to purchases made through cormelio.com, operated by CORMELIO, LLC.
1. Accepted Payment Methods
We accept a range of commonly used payment methods to provide customers with convenient and flexible checkout options.
Depending on device, location, account eligibility, and payment provider availability, supported payment methods may include:
- Visa
- Mastercard
- American Express
- Discover
- PayPal
- Apple Pay
- Google Pay
- Klarna
Card and digital wallet transactions may be processed through supported payment service providers, including Stripe and PayPal. The payment options displayed during checkout represent the methods currently available for that transaction.
Certain payment methods may not be available in every country, on every device, or for every order.
2. Transaction Currency and Payment Authorization
Transactions made through cormelio.com are processed in EUR, unless a different currency is clearly displayed during checkout before payment is submitted.
Customers are able to review the applicable product price, shipping charge, taxes where applicable, and total order amount before confirming payment.
When an order is submitted, the selected payment provider may request authorization from the customer's card issuer, bank, digital wallet provider, or other financial institution.
An order is generally considered successfully paid only after the applicable payment provider confirms that the transaction has been authorized or completed.
If a customer's payment account uses a currency other than EUR, the customer's bank or payment provider may apply its own currency conversion rate, foreign transaction fee, or other processing charge. Such charges are determined independently by the customer's financial institution or payment provider.
3. Payment Security and Data Protection
We use established payment service providers and technical safeguards designed to help protect payment information during checkout and transaction processing.
Payment information transmitted through our website is protected using secure encrypted connections, including SSL/TLS technology, to help reduce the risk of unauthorized interception during transmission.
Eligible transactions may also use additional security measures provided by card networks, banks, Stripe, PayPal, or digital wallet providers, including authentication, fraud screening, transaction monitoring, tokenization, or similar payment security technologies.
Where supported, payment card information may be handled directly by the applicable payment processor rather than being stored directly by CORMELIO, LLC.
Customers may be asked by their bank or payment provider to complete an additional verification step before a payment is approved.
4. Failed, Declined, or Pending Payments
A payment may be declined, delayed, or remain pending for reasons that can include insufficient funds, incorrect billing information, expired payment details, bank security controls, authentication failure, payment provider review, transaction limits, or temporary technical issues.
If a payment does not complete successfully, the order may remain unpaid or may not proceed to normal order processing until payment has been confirmed.
Customers who experience a payment problem may review the billing information entered during checkout or contact their bank, card issuer, PayPal, or other payment provider for additional information.
If assistance is needed regarding an order or payment status, customers may contact us at [email protected] and provide the relevant order information.
In some cases, a failed or cancelled payment attempt may temporarily appear as pending on a bank or payment account. The time required for a temporary authorization to disappear is generally determined by the applicable bank or payment provider.
5. Payment Disputes, Duplicate Charges, and Unauthorized Transactions
If a customer believes that a payment was duplicated, charged incorrectly, or associated with a transaction they do not recognize, we encourage the customer to contact us at [email protected] so that the matter can be reviewed promptly.
We may review available order records, payment confirmations, shipment information, tracking details, customer communications, and other relevant information when investigating a payment concern.
Customers may also have dispute or chargeback rights through their card issuer, Stripe, PayPal, or other payment provider in accordance with the applicable provider rules and consumer law.
Contacting us directly may allow certain payment or order issues to be resolved more efficiently, but nothing in this policy limits any dispute, chargeback, or consumer protection rights that may otherwise apply.
Where a payment dispute is opened through a payment provider, we may provide relevant transaction and order records to that provider as part of its review process.
6. Refunds to the Original Payment Method
Refund eligibility is determined according to our Refund and Returns Policy and applicable consumer law.
When a refund is approved, it will be returned to the original payment method used for the transaction.
Approved refunds are processed so that the refunded amount is returned within 7 business days.
This applies to eligible refunds for payments made through supported methods processed by Stripe, PayPal, or other available payment providers.
We do not normally redirect a refund to a different card, bank account, PayPal account, digital wallet, or alternative payment method from the one originally used for the purchase.
After a refund has been processed, the time at which the funds become visible on the customer's account may also depend on the processing procedures of the applicable bank, card issuer, PayPal, or payment provider.
Customers who have questions about a refund or payment status may contact us at [email protected] and provide the relevant order number.