PAYMENT INFORMATION

Payment Policy

This Payment Policy explains the payment methods, currency, payment processing procedures, security measures, and billing conditions that apply when you place an order with SCI BOWL VAR through kindmear.com.

By submitting an order, you confirm that the payment information you provide is accurate and that you are authorised to use the selected payment method.

1. Accepted Payment Methods

We accept the payment methods displayed during checkout. Depending on your location, device, order value, and the availability of the relevant payment service, these may include:

• Visa
• Mastercard
• American Express
• PayPal
• Apple Pay
• Google Pay

The payment methods shown at checkout are the methods currently available for your order. Some methods may not be available for every customer, country, currency, browser, or device.

2. Payment Currency

Prices on our website are displayed and charged in euros (€), unless another currency is clearly shown through an available currency selector. The final amount and currency will be displayed before you confirm your order.

If your card or payment account uses another currency, your bank or payment provider may convert the transaction using its own exchange rate. Your provider may also apply currency-conversion fees or international transaction charges. These external charges are not collected or controlled by SCI BOWL VAR.

3. When Payment Is Taken

Payment is normally authorised or collected when you complete checkout. In some cases, your bank may initially display the transaction as pending before the payment is fully confirmed.

An order confirmation does not guarantee that payment has been accepted. We may cancel or place an order on hold if payment is declined, reversed, incomplete, suspected of fraud, or cannot be verified.

4. Payment Authentication and Security

Payments are processed through secure third-party payment providers. We do not normally receive or store your complete card number, card security code, or online banking credentials.

Your bank or payment provider may require an additional authentication step before approving the transaction. This may include confirmation through a banking application, a one-time security code, biometric verification, or another authentication method selected by your provider.

Information connected with payment processing may be used to complete transactions, prevent fraud, meet legal obligations, and protect our customers and services. More information is available in our Privacy Policy.

5. Billing Information

You must provide accurate and complete billing information during checkout. The billing name, address, and other details should correspond with the information held by your bank or payment provider.

Incorrect or incomplete billing details may result in a declined payment, delayed order processing, or cancellation. We may contact you when additional information is reasonably required to verify an order.

6. Failed, Declined, or Duplicate Payments

A payment may be declined because of insufficient funds, incorrect card details, an expired card, security restrictions, authentication failure, transaction limits, or a decision made by your bank or payment provider.

If payment is declined, please check the information entered, try another available payment method, or contact your bank. We cannot override a decision made by your bank or payment provider.

If you believe that you have been charged more than once for the same order, please check whether one of the transactions is only a temporary authorisation. You may contact us with your order number and relevant transaction information so that we can review the issue.

7. Prices, Taxes, and Additional Charges

The total amount payable will be displayed during checkout before you submit your order. The total may include the product price, applicable taxes, delivery charges, discounts, and other charges disclosed before payment.

Customers are responsible for reviewing the order total before confirming payment. We will not add undisclosed product or delivery charges after the order has been submitted.

8. Refunds and Payment Reversals

Approved refunds are issued to the original payment method used for the order unless another method is required by law or agreed with the customer.

Once a refund has been processed by us, the time required for it to appear in your account depends on your bank, card issuer, or payment provider. Processing times outside our payment system are not controlled by SCI BOWL VAR.

Eligibility for cancellations, returns, and refunds is explained in our Refund and Returns Policy.

9. Fraud Prevention and Order Verification

To protect customers and our business, we may review transactions for signs of fraud, unauthorised activity, or payment misuse. We may request reasonable verification information, temporarily hold an order, limit a transaction, or cancel an order when a payment cannot be verified.

Customers should never send complete card details, security codes, passwords, or banking credentials by email or through a contact form. If you notice an unauthorised payment, contact your bank or payment provider promptly and then notify our customer service team.

10. Changes to This Payment Policy

We may update this Payment Policy to reflect changes to our checkout, payment providers, accepted payment methods, business practices, or legal obligations. The latest version will be published on this page.

11. Contact Us

For questions about a payment, invoice, refund, or transaction, please contact us and include your order number. Do not include complete card details or account passwords in your message.