Payment Policy

Payment methods

Payment for products on our online store can be made in one of the following ways: with payment cards - VISA, Maestro or MasterCard that support payment via the Internet. Payment by card is realized in cooperation with NLB Bank AD Podgorica and is done in a safe and certified way through the Ixopay Payment Gateway, by simply entering data from the payment card.

After entering the card data and confirming the payment, the bank authorizes the transaction and thus the order is approved and enters the further process of preparation for delivery. The amount will be reserved on your card (account) and will not be available for other purposes.

The transaction will be completed and the amount deducted from your account only when the products are prepared for transport and handed over to the courier service. In the event that the payment is not completed, that is, the amount is not removed from the account within 14 days of accepting your order, the order will be canceled and deleted. After the expiration of the 14-day period, the money reserved in your account is released and will be available to you again. After that, you can repeat the same or a new order, and make a payment related to them.

Check with the bank that issued the card whether your card supports payment via the Internet.

Data protection when paying by card

When entering payment card data, confidential information is transmitted via a public network in a protected (encrypted) form using the SSL protocol, applying the most modern methods of tokenization of sensitive data, and in accordance with PCI-DSS standards. Payment card information is never available to the merchant.

3D Secure protection for all merchants and customers - Ixopay Payment Gateway uses the highest global data protection and privacy standards. All merchants using the Ixopay Payment Gateway are automatically included in the 3D-Secure protection, which guarantees the security of purchases to customers. Customers' payment card numbers are not stored on the merchant's system, and the registration itself is protected by SSL data encryption.

PCI Standards protect sensitive data about the cardholder during the entire payment process: from the moment of data entry at the merchant's point of sale, during communications between the merchant and relevant banks and card organizations, as well as the subsequent storage of such data.

Registration of payment methods

When the customer's card data is TOKENIZED (stored in a certified manner for later use), at his request or by the merchant's decision, that data is stored on Ixopay PCI-DSS certified servers. Card data thus tokenized are transmitted in a completely safe and certified manner. At no time does the merchant have access to data on the card number and other sensitive data, but receives a reference number (token) that only he can use in accordance with the conditions agreed with the customer. The customer has the option of deregistering a previously registered card, as well as changing the details of a previously tokenized card.

Refunds

In the case of a refund to a customer who previously paid with one of the payment cards, partially or in full, and regardless of the reason for the refund, this refund is made exclusively via the same VISA, Maestro or MasterCard card that was used for payment. This means that our bank will refund the funds to the cardholder's account at our request.