Payment Policy

1. Transaction Currency

All purchases made through lovqera.com are processed in Euros (EUR). Product prices, shipping charges, applicable taxes, refunds, and other transaction amounts shown during checkout are calculated and processed in EUR.

If your card, bank account, PayPal account, Apple Pay, Google Pay, or other payment account uses a currency other than EUR, your bank or payment provider may convert the transaction into your local currency using its own exchange rate. Any currency conversion fees, foreign transaction fees, or other charges imposed by your financial institution or payment provider are determined by that provider and are not controlled by LOVQERA, LLC.

2. Accepted Payment Methods

We currently accept the payment methods displayed during checkout, which may include Visa, Mastercard, American Express, Discover, Diners Club, PayPal, Apple Pay, and Google Pay. The availability of a particular payment method may depend on your device, location, account eligibility, or the options made available by the relevant payment provider.

Customers should use a valid and authorized payment method and ensure that all billing information entered during checkout is accurate. Available payment methods may be updated from time to time as our payment processing services change.

3. Third-Party Payment Processing

Payments made through lovqera.com are securely processed by independent third-party payment service providers, including Stripe and PayPal. Depending on the payment method selected, your transaction may be processed directly by one of these providers or through payment services supported by their systems.

LOVQERA, LLC does not directly collect, process, or store your full card number, card security code (CVV/CVC), digital-wallet credentials, or other sensitive payment authentication information. Such information is transmitted directly to the applicable payment service provider for authorization and processing. We will never store customers' complete payment information on our own website or servers.

4. Payment Security and Data Protection

We take reasonable technical and organizational measures to help protect payment transactions and customer information. Our website uses HTTPS and SSL/TLS encryption to help protect information transmitted between your browser and our website.

Payment information handled by our payment service providers may also be protected through security measures such as tokenization, encrypted payment transmission, PCI DSS-compliant payment infrastructure, fraud monitoring, and supported 3D Secure authentication. Tokenization helps replace sensitive payment details with non-sensitive payment tokens, reducing the need for merchants to directly handle card information.

Where required by your bank, card issuer, or payment provider, you may be asked to complete additional identity or transaction verification before a payment can be approved. No online payment system can guarantee absolute security, but we work with established payment providers and appropriate security technologies to reduce payment-related risks.

5. Payment Authorization, Failure, and Disputes

An order is considered successfully paid only after the applicable payment provider has authorized the transaction. Payments may be declined, delayed, or cancelled for reasons including insufficient funds, incorrect billing information, security verification requirements, card restrictions, suspected fraud, technical issues, or decisions made by your bank or payment provider.

If a payment fails, please verify your payment details or contact your bank or payment provider before attempting the transaction again. LOVQERA, LLC does not control payment authorization decisions made by banks, card issuers, Stripe, PayPal, or other payment providers.

If you believe a transaction is incorrect, duplicated, unauthorized, or otherwise disputed, please contact us at info@lovqera.com so that we can review the matter with you. Where appropriate, we may request reasonable order or transaction information to help investigate the issue. Customers may also have rights to raise a payment dispute directly with their bank or payment provider.

6. Refunds

Approved refunds will be returned to the original payment method used for the order. Once a refund has been approved, LOVQERA, LLC will normally issue the refund within 7 business days.

After the refund has been issued by us, additional processing time may be required before the funds appear in your account. This timing is determined by your bank, card issuer, Stripe, PayPal, digital-wallet provider, or other payment institution and is outside our direct control.

Refund eligibility and return requirements are governed by our Refund and Returns Policy. Any refund will normally be made in EUR, and differences caused by currency conversion rates, exchange-rate movements, or fees charged by your payment provider are not controlled by LOVQERA, LLC.